Profile of Qualifications

Finance professional with 18 years of mortgage and structured products experience in credit/interest/derivative risk, analytics, reporting, project management, compliance and process redesign. Adept with primary mortgage market pricing, possess solid secondary market knowledge best execution, Golds vs. FNMAs, etc. , and extremely well-versed in vendor management, operational risk management, audits, compliance, and reporting. Outstanding skills in project leadership, financial analysis, team direction, and relationship-building.

Selected Achievements:

• Devised extensive procedures for internal audit management spanning derivatives, counterparty credit, retained and debt portfolios, and securities.
• Received Premier Achievement Award for exhibiting superior performance in modeling transactions.
• Seasoned experience in conforming REMICS to achieve seamless process from origination through deal settlement.
• Championed production, research and data support for Freddie Mac's REMIC and secondary mortgage market by efficiently cooperating with other GSE agencies.
• Demonstrated mastery in derivatives, swaps, convexity, duration, valuation of securities, risk and return attribution, monitoring of portfolio performance and model performance.

Professional Experience

Confidential

• Perform trading for clients and regularly attend weekly industry workshops with an emphasis on credit portfolio management, political risk and financial risk management.
• In addition I'm an avid web-based attender on ECB Mario Draghi and USA Fed chairmans economic forcasting, regulations and Basill III

Confidential

Consultant, Single Family Selling Systems,

• Completed three-month assignment in support of system enhancements to eliminate defects in credit and data quality rules embedded in selling system.
• Evaluated compliance issues with loans falling under HAMP program and proformance issues of Single Family new platform.
• Worked with National accounts looking to resolve incorrect HAMP data and loan-repuchases if not resolved.

Confidential

Director, Structured Products and Credit Risk using INTEX writing and scripting CDIs

• Performed reverse-engineering of agency and subprime multi-class mortgage-backed securities.
• Led team in projects which included enhancements to REMIC model, refining disclosure process, and improving testing and requirements gathering for new structured products.
• Administered monthly deal amounts ranging in value from 1.5B to 10B.
• Defined test cases and tested applications to effectively support analytical, pricing, or risk management credit pricing functions.
• Fostered, nurtured and maintained productive client relationships.
• Ensured integrity of financial model transactions by testing prepayment and interest rate scenarios.

Lead Test Analysis

One example of monthy creation of Protype Bond 'INV / FLT Strips Macrs' JPM, Merrill, UBS and others requested Freddie Mac create a new bond. This would require myseft as lead modeling analysis and tester to circle together with our IT, Payment and TAX groups and populate data into our development enviroment. After evaluating and validating the structure I would report my findings as lead to structuring VP who would then contact our dealer groups i.e. JPM, Merrill, UBS, and others. These bonds are now in production and give Freddie Mac Investors flexability in striping coupon and exchanging type of bonds.

Confidential

Sr. Analysis,

• Applied dynamic leadership talents toward directing staff in publishing monthly offering circulars and advising senior management in new product development.
• Represented Mortgage Funding as SME subject matter expert for regulatory requirements and internal controls optimization.
• Managed new structures, tested new products, and submitted findings to senior management.
• Spearheaded projects across multiple departments such INTEX software updates and Sybase upgrades.
• Led department through corporate-wide audit to identify and swiftly resolve deficiencies with systems and operational controls.

Lead Test Analysis,

• Provided critical counseling and process efficiency expertise to the XML validating schema for 3 way tie-out between 'Freddie, Audit Group and the street' of cash flow, dec and yield table in our production modeling team for the implementation of our tie out process. Improved transparency from spot-checks validation to a 360 month periods automated and report driven variance output report and reduced validation scope by 20 .for modeling and 75 for the payment group.
• Phase 1. Critical thinking of standardizing naming conventions for bonds between Freddie Mac modeling, legal and printers. Improved transparency and reduced offering curcular print time by 10 . Groups involved IT, Modeling, Legal and Printers.
• Phase 2. Critical thinking of standardizing names conventions for bonds. Modeling provided the dealer group and xls template with valid-values on bond names for inporting and exporting into data bases. Xls template of valid values improved transparency and dealer deliverables. Productivity inproved by 50 . Groups involved Dealer groups, IT and Intex.com and Modeling.

Confidential

Jr. Analysis,

• Specialized in structured products, model risk, market risk, interest rate and credit risk.
• Administered reverse-engineering for 25 of agency and subprime multi-class mortgage-backed securities.

Confidential

Sr. Analysis,

• Efficiently performed trade confirmation, settlement, clearance and reconciliation activities for all mortgage-backed securities.
• Assisted portfolio managers with Security Master set-ups prior to trading and delivered ongoing support throughout trade life cycle.
• Managed the complete spectrum of daily investment operational activities inclusive of security set up, security review, trade support, collateral management, settlement clearance, and fail management.
• Meticulously performed daily and monthly reporting and accounting reconciliation functions.