SUMMARY

• Mortgage industry Executive offering over 20 years of experience identifying new business initiatives, driving revenue, and fostering growth for the industry’s leading corporations in excess.
• Accomplished in providing business consulting, project re - engineering, risk modeling, knowledge of assessing current financial climate, trends and counter party risk subsequently employing programs that ensure the achievement of the strategic intent.
• Skilled at utilizing complex risk management methodologies to optimize the risk/reward formula and driving the business forward based upon P&L outcomes and loss control to achieve the highest margin of controllable profit. Strong negotiation skills with an exceptional record of formulating complex business processes/controls.

TECHNICAL SKILLS

• Microscoft Office Suite(including Excel)
• Microsoft SharePoint
• Lotus Notes
• Remedy
• Clear Quest
• Midas
• Loan Status Manager
• Workout Prospector II
• SAS
• MSP
• Blitz Docs

PROFESSIONAL EXPERIENCE

Confidential, Silver Spring, MD

Project Manager

Responsibilities:

• Manage the operational aspects in strategic planning and assessing future needs to identify projects that achieve business goals and objectives to improve or streamline functions in the Default Asset Management division.
• Manage daily team activities to advance the work of one or more projects
• Develop implementation plans and coordinate with internal and external lines of business.
• Monitoring project progress and provide analytical support in synthesizing and reporting results.
• Develop, monitor, and review project budgets. Verify expenditures vs. actual.
• Prepare and deliver status reporting in areas such as metrics, unit progress, issue tracking, and staff meetings to stakeholders.
• Provide IT support and improvements to SDLC enhancements.
• Manage internal and external relationships identifying project issues and interdependencies

Confidential, Reston, VA

Project Manager/Appeals/Rebuttals

Responsibilities:

• Managed appeals team to identify deficiencies in loss mitigation and handling of foreclosure proceedings for client’s lookback project for their OCC consent order.
• Submit weekly report to stakeholders that includes volumes of active issues, contact summary and any high priority issues of the client.
• Review due diligence efforts, assessed risk implications resulting from changes made to policies, processes and procedures. Implement protocols for forensic review of credit files to ensure that foreclosure processes have been followed in a way that complies with internal policy, external requirements (including state foreclosure requirements), and emerging national standards
• Collaborated with lines of business to develop improvements with products and services to measure and mitigate risk
• Devised protocol creating transparency preventing potential losses due to the impact of proposed changes of organizational risk profile and existing controls
• Executed an appeals/rebuttal database to leverage reporting to upper management
• Established key performance indicators to measure departmental performance track, eliminate barriers and improve operational quality and efficiency

Confidential, Reston, VA

Project Manager

Responsibilities:

• Enhanced client relationship management efforts by strategizing project with VP of Loss Mitigation Operations to close out a loss mitigation project and research needs through statistical and trend analyses. Successfully re-engineered the loss mitigation project policy ensuring reduction in loss of revenue while exceeding project timeframe and within budget. Oversee the completion of the operation with regional teams and mitigate efforts to ensure consistency in status reporting, analytical methodologies and coordinating efforts with Congressional inquiries.
• Managed risk issues within REO portfolio’s and redefined processes to ensure compliance within the project scope and procedures
• Directed account managers to optimize communication, business requirements by establishing a central repository of mitigated cases within the developmental phase
• Developed procedures to identify inefficiencies in Loss Mitigation REO procedures, information flows and handoff, communications pathways and ways in which systems supporting these can be enhanced
• Created business requirements deliverables, process maps and wrote detailed functional requirements

Confidential Reston, VA

Consultant

Responsibilities:

• Manage team with project management principles, theories, concepts, and techniques to analyze regional and community mortgage servicers’ portfolio of loan workout submissions (i.e., loan liquidations and modifications). The Chase/GMAC team is responsible for settling on average 1,500 - 2,000 loans, monthly on behalf of nearly 400 mortgage servicers. Project lead for the design and implementation of a department-wide productivity model to facilitate scorecard and dashboard reporting
• Consult with client to analyze processes, gather, and document business requirements for productivity calculation model;
• Construct conceptual process model to communicate requirements to developers;
• Review and provide feedback from UAT test results verifying client requirements are incorporated into the product design;
• Monitor and perform workload balancing for ten (10) settlement specialists adjusting loan assignment levels on an intraday basis to attain and sustain a minimum 90% productivity measure per specialist. Load balancing methodology designed to simulate queue and goal algorithm techniques;
• Evaluate servicer loan documentation submissions, identifying trends and communicating best operational practices that may lead to faster, more efficient internal processing;
• Communicate procedural anomalies to servicers requesting corrective action to facilitate process improvements in the settlement process;
• Process and submit post settlement corrections to loan fundamentals maintained in client’s master loan data system (Midas)

Confidential, Bowie, MD

Finance Director

Responsibilities:

• Established company in secondary market producing $35 million gross monthly
• Formulated protocol for initial business directives
• Reduced portfolios’ risks by minimizing exposure to high risk loans i.e., negative amortization, interest only and adjustable rate loans thus remaining viable during severe economic downturn
• Researched developments, reports, legislation, and regulations relating to the lending industries private entities, and government agencies
• Expanded company to include 5 states with 2 additional net branches which increased exposure and revenue by 67%
• Used risk assessment models such as scenario models or sensitivity analyses to measure and quantify risk

Confidential, mclean VA

Business Analyst

Responsibilities:

• Reviewed pools of loans averaging $90 million from banks looking for liquidity on their balance sheet
• Extract and analyze delivery statistics and daily management information systems
• Prepared (MBS) Mortgage Backed Securities for trade on Wall Street
• Performed root analysis and applied improvements through process re-engineering
• Prepare information to report Single-Family credit loss accounting activity for foreclosed assets
• Interface with management of the Single Family, Multi-Family Finance, Credit Loss Management Controller's Office, and Servicing to prepare forecast drivers and analysis related to business lines

Confidential, McLean, VA

Senior Financial Officer

Responsibilities:

• Conducted portfolio analysis of the bank’s Loan Services Division to assess compliance with the Bank’s policies, federal regulations, and credit approval guidelines
• Documented results for financial software testing; Performed requirement mapping for upgrade
• Lead system integration test, performance test, user interface test, and data migration test.
• Reviewed individual financial profiles to evaluate borrowers’ financial condition, past loan performance, and ability to repay debt
• Analyzed and recommended loan loss allowance for the bank. Forecasted historical loss experience for valued assets; Developed forecast reports of borrowers’ financial performance