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Impassioned and driven Senior Operations Professional with more than 25 years of progressive managerial success in the financial services sector, specifically in the banking and mortgage industry. Exudes an unsurpassed work ethic and ability to drive strategic process improvement initiatives. Lifelong learner and leader devoted to fostering and sustaining mutually beneficial cross-functional relationships that are fueled by a shared desire to achieve organizational goals. Works well in both team-driven and individual achiever capacities. Seeking a Director-level position within a bank or mortgage company that will call upon skills and allow for growth.
Alt-A Loans | AML | Asset Management | Audit and Rebuttal | Auto Lending | Client Servicing | Closing | Collections
Commercial Lending | Compliance | Consumer Retail Lending | Conventional Loans | Credit Audit | Credit Risk Management
Desk Top Underwriter | Due Diligence | FHA & VA Loans | Forensic Mortgage Underwriting | Fraud Identification
Jumbo & Super Jumbo Loans | Leadership | Loan Prospecting & Servicing | Mortgage Products & Insurance
Mortgage Originations & Underwriting | Process Improvement | Processing | Reporting | Sales and Servicing
Servicing | Sub-Prime Loans | Teambuilding | Underwriting | Zippy Automated Underwriting | Secondary Marketing
Securitizing | Bulk Trades | Credit Principles | Mortgage Banking | GSEs | Private Investment
Loan Recourse & Repurchase | Technical Systems and Applications | MS Office Suite
Skillfully oversee a talented and diverse department of 40 Compliance Auditors and Cure Reviewers; interview, hire and contract personnel to maintain high0caliber departmental functions and steady productivity levels
Lead compliance and collateral audits on closed first and second mortgage loans to prepare them for sale to third-party investment banks and hedge funds
Complete compliance audits against local, state and federal laws to ensure proper disclosure at time of origination, closing and servicing also run loan collateral audits to ensure used items are properly securitized prior to foreclosure and sale
Interact with clients regularly as it pertains to both reporting and relationship building
Directed the onsite client relationship management processes for JC III and JP Morgan Chase; included staffing and supervising a department of as many as 100 Forensic Underwriters and Due Diligence employees
Served as a trusted guide and mentor to all employees and led disciplinary processes as needed
Offered leadership, management and training recommendations; included delivering research aids to Underwriters to improve their respective levels of overall performance and efficacy
Examined and replied to repurchase demands from both Fannie Mae and Freddie Mac
Crafted written correspondence to dispute or correlate with received written demands
Monitored the departmental pipeline to ensure strict adherence to established departmental goals
Worked jointly with the AML department to follow up on suspicious activity; launched full account investigations using company research tools, third-party internet search platforms and reports to complete a full write-up with company recommendations
Used Excel reporting, as well as data mining and consolidation based on client requests from JP Morgan Chase Bank
Exhibited an in-depth knowledge of agency underwriting requirements and company contractual obligations, used to develop a compelling written response to fully support the company's position regarding investment quality loans sold to investors
Worked as a contract-based consultant for the FDIC; served in a Receivership Specialist role to work with failed banking institutions located in Atlanta, GA and Naples, FL
Serviced a portfolio of performing and non-performing commercial and residential mortgages and credit lines; collected payment, performed workouts, structured pay plans, developed agreements and liaised with third parties to purchase pre-auction assets
Managed a full legal portfolio; fostered relationships with assigned FDIC-approved legal counsel to make suggestions based on fiscal information, property valuation and potential post-liquidation loss/recovery
Authored letters and case histories for the FDIC; advised on status, performance, collateral condition, best case recovery and liquidation/Servicing suggestions
Also worked in an Acquisition Consultant role for a private third-party banking institution in West Palm Beach, FL
Efficaciously evaluated assets, bank-owned fixed real estate and REO properties to suggest improvement or liquidation based on condition and potential future growth/profit
Also assessed the performance of all bank and branch personnel; made staffing suggestions on an as-needed basis
Performed Forensic credit, compliance, put back/fraud, scratch and dent audits for securitization and portfolio trades on residential and commercial mortgage portfolios for Wall Street investment firms and financial institutions throughout the United States.
Communicates directly with client, generate specific reports based on client need, customer service and client satisfaction.
Managed staff, up to 150 underwriters, quality control and data entry personnel.
Responsible for departmental budgeting and forecasting, staffing needs, hiring, training and termination of contract personnel.
Managed the client relationship, educating, guiding and selling additional financial services as needed. Served in an advisory role, building the client relationship.
Supervised the origination, underwriting and processing for conventional mortgages and chattel mobile home loans
Managed the receipt, processing, underwriting and funding of loan applications for Bombardier recreational products or BRP
Participated in Six Sigma process improvements at the Green Belt level; used principles to structure a pipeline management system for approved loans, which successfully increased the monthly funding volume by $2M dollars
Encouraged extensive client involvement, both in the investor and retail arenas
Completed extensive travel in the continental U.S. to personally engage with stakeholders to build business relationship foundations
Managed a staff of as many as up to 50 office personnel; hired, trained, evaluated, promoted and terminated individuals as needed
Liquidated repossessed inventory using secondary financing sources, retail dealer locations and in-house financing
Employed a Retail Dealer Field Collateral Inspection program, which reduced overall account delinquency levels
Sr. Loan Originator, Home Sense Corporation, 1999 2000
Finance Manager, Southern Home Products, 1997 1999
Sr. Operations Manager/Credit/Underwriting/Processing/Collateral Manager, Bank of America, 1993 1997
Completed Courses, Business Management, Seminole Community College
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