SUMMARY:

• I am a highly motivated, energetic, and positive professional able to partner effectively within a team and develop productive working relationships.
• I am a hands - on leader with extensive experience in mortgage lending and operations, credit risk management, and process improvements.
• Mortgage operational responsibilities have included strategic planning, regulatory compliance, risk management, human resource management, credit and loan administration, and liquidity and cash management.

TECHNICAL SKILLS:

• Microsoft Dynamics CRM RSA Archer Governance
• Risk
• and Compliance DU / LP Loan Origination Systems - Black Knight: Empower: Lending Space and Encompass Corelogic
• FraudGuard and LoanSafe
• MS Word
• Excel
• Access
• Outlook Visio Software Development Lifecycle (SDLC) Information Technology Infrastructure Library (ITIL) Six Sigma

PROFESSIONAL EXPERIENCE

Confidential, Mclean, VA

Business Systems Analyst III - Contractor

• Responsible for Second Level lines of defense for Compliance Risks and Controls through developing, analyzing, coordinating, and implementing the LOB Risk Management programs and framework
• Provide direction on operational risks and controls beyond compliance (First and Second lines of defense)
• Collaborate with project teams to determine risk indicators, levels of risk acceptability and risk groups prior to and ongoing analysis.
• Identify project risks, including; potential flaws, budget and scope changes and impact
• Assess risks against established indicators and prioritize based on risk levels.
• Develop detailed plans of action for project risk reduction confirming desirability and objectives.
• Identify the best means of reducing each risk based on acceptability levels and costs.
• Operational Risk Management (ORM) Subject Matter Expert (SME) responsible for developing and implementing processes to support the identification, assessment, monitoring and reporting of operational risks (Risk and Control Self-Assessments (RCSA), Walkthrough, Testing and Assessments)
• Process improvements utilizing Six Sigma techniques
• Provides business process or systems support that may include duties such as root cause analysis, mapping of current processes or systems, iterative problem definition and hypothesized improvement opportunities.
• Proactively identify resources for the elimination, reduction or mitigation measures to be implemented

Confidential, Pittsburg, PA

Risk Data Business Analyst - Contractor

• Standardized processes, risks, and controls resulting in more efficient risk assessment processes
• Gain consensus on the core data structure and libraries by leveraging existing relationships and building new relationships across the enterprise.
• Analyzed and linked data on common characteristics
• Standardized data after analyzing and linking common data
• Organized data in an automated tool (E.g. EXCEL, ACCESS)
• Provided solid understanding of risks and controls and characteristics of each
• Wrote control objectives and testing steps to meet objectives
• Understand different Lines of Business processes quickly and identify key steps/activities within the processes

Confidential, Glen Allen, VA

Operational Risk Officer

• Provide direction on operational risk, credit risk, and insurance risk.
• Oversee mortgage sales and fulfilment processes and conduct risk assessments and testing to ensure adherence to SunTrust’s Risk Management\Control frameworks
• Front line Operational Risk and Control Consultant:  Develop, analyze, coordinate, and implement the LOB Risk Management programs and framework
• Operational Risk Management (ORM) Subject Matter Expert (SME) responsible for developing and implementing processes to support the identification, assessment, monitoring and reporting of operational risks (Risk and Control Self-Assessments (RCSA), Walkthrough, Testing and Assessments)
• Process improvements utilizing Six Sigma techniques
• Develop project plans, determine scope, lead projects, and verify deliverables with stakeholders. Interpret results and present findings and recommendations
• Develop and monitor the implementation of risk management policies and procedures and provides advice and support to business line management on risk management (Mortgage Originations/Sales and Operations - processing, underwriting, closing and funding)
• Complete Process and Targeted Reviews of complex units and LOB’s
• Serve as mentor to other Risk & Control Consultants, as well as lead other teammates in project execution. 
• Develop and execute best in class team management programs to support direct reports and peers
• Assesse levels of adherence/execution and identifies risk/control improvements in areas with high complexity. Develop practical solutions to implement operational controls and risk management activities
• Provide excellent overall communication to enable business partners to interact and work effectively across multiple businesses and functional areas with individuals from various organization levels

Confidential, Evansville, IN

Policy and Procedure Consultant/Contractor

• Partnered with Springleaf Financial (SLF) departments to analyze, write, and update SLF-wide procedures, processes, policies, process flows, job aids, and work instructions
• Identified cross-segment solutions and collaborates across multiple areas to identify effective and practical controls and risk management techniques
• Provided thought leadership and expertise in risk management practices and subject matter knowledge ensuring adherence to company’s Risk Management\Control frameworks
• Completed Process and Targeted Reviews of complex units and LOB’s (Walkthrough, Testing and Assessments)
• Developed and produced materials for the SLF Policy and Procedure Committee, including scorecard, agenda, and supporting P&Ps
• Executed training to SLF departments on level 4 documentation best practices and standards
• Served as a liaison between SLF departments and Compliance/Legal/Regulatory Operations

Confidential, Richmond, VA

Credit Manager - Assistant Vice President

• Managed the loan underwriting and operational functions across a multi-state area
• Worked directly with Sales/Originations to effectively increase pull through rates and help explain products to borrowers
• Managed the file review process
• Directed the daily workload, administered company policies and practices, and followed federal guidelines to determine compliance and insurability of designated files
• Set the team members’ operational objectives to support overall risk and loss mitigation goals.
• Was responsible for risk management to ensure compliance with Federal Regulations, FNMA, FHA and secondary market standards
• Evaluated and underwrote mortgage loan applications
• Custodial Reviews
• Accurately analyzed credit request received based upon the criteria required for the submitted product type, while meeting established productivity and turnaround time goals
• Ensured resale value of each closed loan, balancing risk management responsibilities with creative judgment to maximize lending opportunities
• Developed and executed best in class team management programs to support direct reports and peers
• Assisted with Closing and Post Closing Departments to insure regulatory compliance of departmental policies and procedures

Confidential, Richmond, VA

Underwriting Manager

• Managed Live Well Financials loan underwriting, operations function across a multi-state area and within a multi-investor environment
• Managed the file review process
• Served as the Risk Management expert providing leadership and meaningful input
• Was responsible for underwriting Conventional and FHA residential mortgage loans to ensure compliance with Federal Regulations, FNMA, FHA and secondary market standards
• Collaborated with Processors, Originators, and other internal and external
• Developed project plans, determine scope, lead projects, and verify deliverables with stakeholders. Interpret results and present findings and recommendations
• Met performance standards and goals established by the bank
• Underwrote mortgage loan applications
• Custodial Reviews
• Traveled extensively to company owned branches and 3rd party origination locations to do compliance with policies and procedures (applicable federal and state laws and regulations)

Confidential, Washington, DC

Consultant/Contractor

• Responsible for underwriting conventional, FHA and VA residential mortgage loans
• Reviewed credit requests
• Tested the underwriting system to include review and analyze existing application effectiveness and efficiency, and then develop strategies for improving or leveraging these systems.
• Managed 10-30 staff located on site and remotely throughout 30 states
• Portfolio Level Analysis Reporting and Forecasting
• Custodial Reviews
• Developed policies and procedures utilizing Six Sigma techniques and SDLC
• Home Affordable Refinance Program (HARP), Home Affordable Program (HAMP), Home Affordable Foreclosure Alternative (HAFA), Deed For Lease Program (D4L), Bank-Owned Portfolio Modifications auditing and testing
• Assisted in the coordination of loan sales
• Advised and directed companies seeking to obtain financing
• Analyzed financials for individuals and corporations to insure compliance and quality control regulations
• Performed collateral valuation reviews
• Project Manager of several Federal Government Contracts
• Performed independent audits and issued independent findings for banks for FDIC and FNMA requirements on loan operations, credit and loan administration
• Extensive travel to company owned branches and 3rd party origination locations to do compliance with policies and procedures (applicable federal and state laws and regulations)

Confidential, Richmond, VA

SVP - Underwriting and Operations/Chief Credit Officer

• Was responsible for over 150 employees and 20 Retail Branches throughout the country
• Was responsible for Budgeting, Forecasting, and P&L
• Acted as the liaison for investors on Wall Street and diligence teams of the secondary market.
• Maintained relationships with external and internal customers
• Introduced and utilized Six Sigma techniques and Software Development Lifecycle (SDLC)
• Oversaw the daily operations and personnel of the Underwriting and Operations departments nationally and ensured all credit and closing policies and procedures were followed
• Was responsible for underwriting conventional (Non-Prime), FHA and VA residential mortgage loans to ensure compliance with Federal Regulations, bank, FHA/VA, and secondary market standards
• $2,000,000 loan approval authority
• Managed 3rd party vendor relationships, compliance, and quality control
• Daily communication with brokers, builders and vendors
• Custodial Reviews
• Was responsible for team building internally and externally, while not allowing the relationships to hind objective and independent decision making

Confidential, Washington DC

Market Executive

• Managed 7 bank branches totaling over $100 million in company assets
• Analyzed commercial financial statements, audits
• Commercial Loan underwriting
• Credit analysis and appraisal review
• Underwrote conventional, FHA and VA residential mortgage loans
• Coached and motivated a staff of 32 employees
• Improved 7 branches from the bottom in every category to the top 10% in the company by establishing positive working relationships with local elected and appointed officials, community groups, residents, developers, and business leaders