SUMMARY:

• Consultative professional with a proven record of leading successful engagements, meeting sponsor requirements and remaining within tight budgetary and time - line specifications. A dynamic team leader possessing excellent communications skills, in conjunction with solid judgment and decision making, grounded with active listening - has spearheaded projects from risk and compliance to IT - data management to process reengineering.
• Areas of expertise include:
• Consumer Lending Mortgage LendingCommercial Lending Due Diligence CRM/Salesforce Master Data Management Project Management Team Building GSE Agency/FHFA compliance OCC Third Party compliance IT Consulting BPM
• Data mining/SQL Reporting Change Management Strategy Development Data Analysis

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• Retail mortgage experience, both front-end originations fulfillment and back-end servicing to securitizations, since 1989. Have been involved in Project Manager in all facets of mortgage lending since 1997.
• Led the Legal, Risk and Compliance Legal Day 1 workstreams, at the PMO level, for the Citi OneMain / Springleaf Financial M&A. Reported to the M&A Steering Committee and program lead.
• Major contributor to a project that rolled out Crystal reporting modules, inside the Encompass framework, to key clients - enabling executive management to directly oversee daily production values.
• Built a sub-unit for a local bank, then data-mined SQL database for client solicitation list (FiServ system). Unit became the highest grossing division of the Bank within first 6 months of operations.
• Developed, designed and launched 10 successful builder-captive residential mortgage lending units between 2005 and 2007 - generating over $4M in fee income and 4,800 loan units.
• Designed and implemented a Change Management project preventing contract termination with a client. Operation produced additional 361 residential mortgage loan units, $51.5M in loan volume and $1.3M in additional fee income.
• Designed and implemented a Change Management project preventing loss of a GM, and contract termination with client. Operation produced an additional 625 residential mortgage loan units, $102.9M in loan volume and $2.6M in fee income.
• Directed two International Financial Change Management projects for a consumer goods retailer, and a business services client, in Cali, Colombia. Integrated financial management system; inventory and HR.
• Founder and President of Concord Mortgage Company. Launched in 1998, specialized in origination and sale of residential mortgage loans. Sold to First Bank of Kentucky in 2001.

PROFESSIONAL EXPERIENCE:

Confidential, Pittsburgh, PA

Senior Engagement Manager/Consultant

Responsibilities:

• Assumed role of “two in the box” for the Retail Product Owner (RPO) for development of the MDM platform; provided strategy oversight, IT coordination, SME and leadership in absence of RPO.
• Designed, led and facilitated all War Room sessions in Cleveland, OH and Pittsburgh, PA between the Retail and Enterprise Data Management (EDM) development teams.
• Produced and documented 480 business “Pain Points” for releases November 2017 (Release 3), March/April 2018 (Release 4) and July 2018 (Release 5).
• Helped facilitate the Sprint Stand-up sessions, from June through October, ahead of Release 3.
• Led and facilitated the review, documentation and prioritization of 480 Retail Pain Points into the central Retail Business Requirements Document (BRD), for the 2017 and 2018 release cycles.
• Developed Intake Strategy for a select group of the business requirements for the 2018 releases.
• Facilitated Intake of selected requirements, into Sprint Backlog, for the 2018 release cycle.
• Led the Retail group in development of business requirements, and design development, for EDGE
• Currently conducting a 100% travel schedule for the year of 2017

Confidential

IT Mortgage Project Manager/Product Implementation

Responsibilities:

• $1.3M budget involving software development, hardware, resources for the vendor and client
• Agile Sprint methodology on constricted time-line for both development and implementation cycles
• Managed client resources in role as Senior IT Project Manager; managed vendor resources (including off-shore in India) as vendor Project Manager
• Led development of requirements from the mortgage line-of-business through deep SME
• Guided successful deployment on time-line and under budget

Confidential

Program Manager/Process Reengineering and Change Management

Responsibilities:

• Integration manager for Phase 1 Legal work stream; Program Manager for Phase 2 Legal work stream
• Program Manager for Phase 2 Risk work stream
• Program Manager for Phase 2 Compliance work stream
• Process Engineer for several components of the SFLS Centralization effort
• Risk assessment of new product with recommendations for mitigation activities prior to go-to-market
• Development of a potential suite of new commercial loan products for consideration
• Risk assessments for suite of potential new lending products and recommended mitigation activities
• Development of competitive landscape for new product, and suite of potential new products, along with a rating of competitors, and their full spectrum of products currently offered

Confidential

Program Manager/Consultant, Mortgage

Responsibilities:

• FHA Note Sale Project: Lead development of process and procedure documentation, as well as development of the project plan, risk/issue matrix and resource management matrix artifacts.
• Project Wildcat (Reverse HECM): Lead development of process and procedure documentation, as well as development of the project plan, risk/issue matrix and resource management matrix artifacts.
• Led nationwide virtual team of 26 resources spanning the horizontal of enterprise wide departments. Position required a self-motivated leader who was able to virtual team through rigorous deliverables on highly defined constricted timelines. 25% travel schedule.

Confidential, Charlotte, NC

Program Manager/Consultant, Mortgage

Responsibilities:

• Change Management: Directed development and implementation of the primary mortgage LOS, PCLender, and three ancillary applications (Optimal Blue, RealEC, Interthinx FraudGuard) Developed business requirements and drove functional/nonfunctional requirements sessions. Worked with Testing Services Group (TSG) to develop testing scripts and routines. Lead working sessions with LOB to produce UAT scripts, testing groups and routines.
• Lead - vendor repapering effort across mortgage, Risk, Compliance and Capital Markets involving over 150 vendors.
• Lead - Migration from legacy LOS to next generation system. Included gathering business requirements, functional and non-functional requirements, development of testing scripts to SIT/UAT.
• Lead - Third Party System Integration effort for four ancillary vendors/systems to new LOS. Included gathering business requirements, functional and non-functional requirements, and development of testing scripts to SIT/UAT.
• Lead - Imaging migration from ResCap systems to Bank-owned system. Involved over 2.7M images. Hired HTC to set-up server-based IBM FileNet system for mortgage data. Purchased 10 (ten) 2 TB encrypted hard drives and rotated these between the ResCap data center, and HTC, to effect the download of all data.
• Led nationwide virtual team of 26 resources spanning the horizontal of enterprise wide departments. Position required a self-motivated leader who was able to virtual team through rigorous deliverables on highly defined constricted timelines.

Confidential, Memphis, TN

Project Manager/Consultant, Mortgage

Responsibilities:

• Lead - project to develop a pass-through/flow residential mortgage purchase line for CRA qualified loans. 3rd party Project Manager developing processes and procedures for FTNCAC as part of their relationship with an international banking firm, and Fannie Mae.
• Lead - project to develop a pass through process, to Fannie Mae, for HARP refinances. 3rd party Project Manager developing processes and procedures for FTNCAC as part of their relationship with a national bank, and Fannie Mae.
• Due Diligence - team member in project that has developed a significant pool of senior lien residential mortgage loans being prepared for sale to Fannie Mae - from a large international banking firm.
• Due Diligence - team member in project to review a pool of senior lien residential mortgage loans, from a northeastern US banking firm, being considered for sale to Fannie Mae.
• 100% travel schedule.

Confidential, Charlotte, NC

Consultant - Project Manager, Mortgage

Responsibilities:

• Project Arrow - due diligence and purchase of a $32.5 million dollar pool of CML senior lien instruments from a national lender.
• Servicing, subservicer and BCP servicer project – identification, RFI, RFP, SOW, SIG, due diligence (including site visits and score carding) and contracting.
• HUD and VA Supervised Lending project – construction of applications, construction/review/approval of QC Manual and Loan Originations Manual, submission and approval.
• Compliance project – identification, RFI, RFP, SOW, SIG, due diligence (including site visits and score carding) and contracting with vendors that will provide compliance routines around outsourced lending and servicing activities.

Confidential, Charlotte, NC

Consultant – Project Manager/Change Manager, Mortgage Regulatory

Responsibilities:

• Developed hybrid solutions mortgage lending originations model within first eight weeks of project – within aggressive time-line established by Executive Sponsor (coupled indigenous bank group and external vendor (Stewart Lending Solutions).
• Credit risk modeling for portfolio of performing loans that received interest rate reductions. Using statistical modeling, our team determined the likely default rates of portfolio at existing interest rates, and likely default rate of portfolio at reduced interest rates/payments.
• Managed an extended project team of 76 members: Bank SME’s, three consulting teams (Accenture, McKinsey and Oliver Wyman), Bank production team (Addison, Texas), Bank underwriting team (Rancho Cordova, California), Vendor (Stewart Lending Solutions), and Core Project Team.
• Developed, socialized and managed the BAC NIR (DMAIC Project Charter), MPP Project Plan (DMAIC based – then changed to DAIC due to BAC’s new PPRT), and the Governance Four-Blocker.
• Lead team to Pilot Launch on 5/15 – within the aggressive time-line established by the Executive Sponsor.
• Tracked a 53% response rate from the solicitation materials constructed by our Team. This outpaces the best-case scenario modeling by our Marketing partners, and consulting team (McKinsey) by over 13%.
• Change Manager for Department of Justice $25B CRS Settlement – Crediting Analytics reporting.

Confidential

Vice President of Production/Change & Project Management Consultant, Retail Mortgage

Responsibilities:

• Designed and implemented a Change Management project preventing contract termination with a client. Operation produced additional 361 lending units, $51.5M in loan volume and $1.3M in additional fee income.
• Designed and implemented a Change Management project preventing loss of a GM, and contract termination with client. Operation produced an additional 625 units, $102.9M in loan volume and $2.6M in fee income.
• Major contributor in selection, design and implementation of Encompass – a SQL database CRM and production management software. Successfully engaged IT Change Management regimen in less than 90 days.
• Led, or worked within, 56 separate projects. Range: DMADV projects (design, construction, UAT and launch) of new mortgage originations units for key clients; DMAIC projects (root cause identification, capture of VOC, measure and analysis of identified causes, improvement routines (and measurement/analysis of improvements) and control); “Low-Hanging Fruit” projects – quick hit, high return; Change Management projects (primarily IT and HR).
• Team developed a successful migration from Legacy E2E originations and back-end fulfillment software system (use for internal, as well as client applications) to second-generation system, within 6 month restricted time-line. This period include software selection, custom design, UAT and regression testing, limited Beta testing and implementation.
• Worked with several vendors in providing solutions to our client base: Ellie Mae, LandSafe, Fannie Mae, Freddie Mac, and bank wholesalers (National City, Flagstar Bank, Indy MAC, Washington Mutual, etc.).
• Managed 50+ units to over 75% capture, exceeding projections and industry competitors.
• Developed SQL-mined marketing reports for several layers of executive management.
• Salvaged 2 client units that subsequently produced <$5M in additional fee revenue.
• 95% travel schedule, nationwide and Canada.