Serve as Chief Credit Officer and head of underwriting for a multi-channel lender offering prime and Non-QM loans

Attending Networking Events Researching Industry LeadersTracking Industry TrendsParticipating in Industry Discussions

Streamlined overall operations to maintain manufacturing quality and underwriting consistency across top five origination volume multi-channel nationwide lender with around 700 underwriters. Steered and mentored high caliber teams, comprising of condominium and co-operative share project standards, training and support, post close material defect resolution, GSE and investor relations, vendor management and oversight for all channels, and operational support team for boosting productivity. Built out high performing direct to consumer underwriting team. Delivered remarkable underwriting assistance to staff relating to technology initiatives, external regulatory exams, and internal audits. Established a team tasked with identifying, onboarding, and managing outsourced underwriting vendors and handling 35% of total production.Key Accomplishments:• Facilitated enhanced operational quality and credit risk management as determined through independent quality control function, including lessening pre-fund and post close material defect rates, encompassing YoY reduction during record origination volumes.• Designed and implemented several fast-paced improvements within policy in accordance with the Covid-19 pandemic.• Supported outsourced teams in increasing manufacturing quality and production; surpassing comparable internal teams.• Played a salient role in slashing overall underwriting cycle time, decreasing operational cost per loan, mitigating manufacturing quality defects, and increasing workflow efficiencies through quality performance.

Selected Highlights:Lead and develop an underwriting organization responsible for credit decisions for one of America’s largest non-bank mortgage lenders to deliver exceptional customer experience. Under my leadership, the unit has increased overall operational efficiencies threefold, reduced operating costs and maintained high quality outputDesign and execute outsource vendor solutions, including contract negotiation and performance oversight and management, resulting in the utilization of vendors to help provide overflow capacity and cost containment Execute process redesigns, resulting in increased process efficiencies, reduced costs and increases in throughput threefold, without increasing staffingProvide feedback and input to corporate credit policy teams to help reduce overlay and improve consistency within the enterpriseManage operational risk for the unit, including developing risk control matrices and implementing ongoing reviews, with no significant operational incidents occurringloanDepot is America's lender, offering home purchase and refinance loans, personal loans and home equity loan products nationwide. Headquartered in Southern California, the company operates direct, retail and wholesale business channels servicing customers across the nation, and has funded more than $125 billion in consumer lending since inception. Licensed in all 50 states, loanDepot generates loan production from 12 business production centers, employs more than 6,500 people including more than 1,700 licensed lending officers holding more than 10,000 state licenses, and operates nearly 200 lending store locations nationwide because, at loanDepot, we know your biggest dreams lay ahead. loanDepot is an approved seller and servicer for Fannie Mae, Freddie Mac and Ginnie Mae. loanDepot, LLC, NMLS #174457. Equal Housing Opportunity. Learn more at loandepot.com.

Conduct engagements related to operational risk oversight, process improvement, loan origination assessment and quality control assessment; provide insight and expertise on various topics relevant to financial services

Vice President, Loan Quality Reviews, responsible for Fannie Mae's National Underwriting Center loan file review teamsSelected Highlights:Developed and expanded tenfold an organization that included underwriters, appraisers, analysts, consultants and technology specialists in response to the financial crisis, including establishing multiple distributed locations across the country, resulting in more than $30 billion in loss recoveries from more than one million loan file reviewsDesigned and executed outsource vendor solutions, initiating this function in an organization that had not previously utilized outsourcing, including contract negotiation and performance oversight and management, resulting in the utilization of vendors spanning multi-million dollars in billings and services deliveryExecuted multiple process redesigns, including developing and implementing new technologies resulting in increased process efficiencies, reduced costs and increases in throughput of more than 50% without increasing staffingFormulated and executed credit policies and strategies impacting internal staff and external customers, including industry leading technology solutions, proprietary software solutions and various industry standard setting policies, including the updated rep and warranty framework, in conjunction with regulators and industry partners Provided feedback and input to corporate credit policy teams that was used to update industry standard risk management tools including Desktop Underwriter and Collateral Underwriter, as well as various proprietary internal toolsManaged operational risk for the unit, including developing risk control matrices and implementing ongoing reviews, with no significant operational incidents occurringManaged engagement with internal audit, external regulators and various rating agencies Managed budgets ranging in size from thousands to multi-millions and staff levels from five to 1,000+ including multiple distributed locations

Various Positions, including:Director, Underwriting Management, National Underwriting Center, September 2005 – March 2010 Director, Quality Control, Dedicated Channel; July 2005 – September 2005Senior Manager, eBusiness Sales Operations; June 2001 – June 2005Manager, Underwriting Management; January 2000 – May 2001Senior Underwriting Consultant; September 1999 – December 1999Underwriting Consultant; January 1998 – December 1999Selected Accomplishments Include:Established and led various business and operational reporting initiatives, resulting in the ability to obtain real time reporting in an area that previously relied upon weekly and overnight reportingDirected business strategy work in designing sampling strategies to identify key areas of potential risk and then developed and implemented risk mitigation strategies for use with internal and external customersCreated and led business and technology solutions that changed how customers and service providers interacted with the company and with each other, while preserving intellectual property rights and maintaining low cost service structuresLed client services team in implementation of proprietary software solutions Responsible for customer engagement with more than 50 lenders, leading those lenders to successfully use proprietary technology solutions while improving overall loan quality

Various Positions Including:Teller, Management Trainee, Mortgage Services Officer, Disaster Recovery Coordinator, Assistant Security Officer, Mortgage Technology Coordinator and Mortgage Processing and Secondary Market ManagerSelected accomplishments include building out a secondary market operation to allow sales of loans to various investors, decreasing capital outlay by the bank; become one of the first 30 lenders in the country to purchase and implement Desktop Underwriter in 1994, prior to mass industry adoption; led process redesign and implementation efforts that resulted in reducing origination costs by $1,000 per loan.