Ann Davis Email & Phone Number

Cincinnati, OH, US

• Responsible for all aspects of the Bank’s Residential mortgage sales, as well as mortgage, consumer and small business lending activities, ensuring that the designated objectives are met with respect to the growth.
• Overall responsibility for developing lending policies and procedures, administration of the loan portfolio, ensuring sound credit practices, proper documentation, analysis and adherence to credit policies, compliance.
• Serves as an effective member of the Senior Leadership team, providing business judgement, strategic planning, leadership skills, communication effectiveness and industry vision.
• Responsible for short and long-range retail lending strategic plans, implements operating plans, projects, policies, and budgets for Retail Lending, ensuring risk mitigation and sound operating practices to achieve.
• Builds constructive and supportive relationships with peers, cross-functional teams across the organization to achieve goals and promote a positive, productive, professional, work environment.
• Executive level responsibility for the management of all applicable regulatory compliance

Cincinnati, Ohio, US

I was selected to move back into the business to create a team to support risk management as well as reporting and analytics for the end to end mortgage customer journey for the purpose of moving risk management further into the first line of defense. Areas of focus include, regulatory and exam readiness, data driven risk-based preventative analytics and.

Cincinnati, Ohio, US

The Business Controls team was formed as a result of the shift in industry requirements and enforcement and a desire to move quality oversight and risk mitigation into the first line of defense. I was selected to create and lead the team for the mortgage company as a result of depth experience in mortgage regulatory and litigated matters, as well as.

Cincinnati, Ohio, US

Responsible for fulfillment operations in Cincinnati, Charlotte and Tampa funding $1 billion monthly. Operations included underwriting, processing, closing and post closing. Based on the shift in the market, led the initiative to exist the wholesale business inclusive of complete closure of the Tampa facility.

Cincinnati, Ohio, US

Responsible to underwriting, processing and funding new loan originations for the consumer portfolio (direct auto, HELOC, bankcard, etc.) supporting our retail branches and affiliates across the Bancorp. Traveled throughout the footprint assisting retail personnel with application submission and pipeline management.

Cincinnati, Ohio, US

Responsible for Bancorp Loan Servicing, including Commercial, Mortgage, Consumer, Lease managing the operations for Escrow, Cashiering, Holdovers, Research and Adjustments, Special Loans and Lease Operations. Led business process offshore to a 70/30 split offshore/onshore while improving employee engagement to 75% Gallup quartile and also improving.

Cincinnati, Ohio, US

Started by building out a holistic collections process including policy, procedures, call scripts and training. Went on to manage all aspects of mortgage default servicing including, Collections, loss mitigation, foreclosure, bankruptcy, REO/Claims and property preservation. Serviced for Freddie Mac, Fannie Mae, FHA, VA and private investors. Worked.

Responsible for full P&L of several AGF branches in Cincinnati, Northern Kentucky and North Carolina. Originated and serviced auto loans, credit cards, personal loans and first and second mortgages. Also, set up retail financing for area dealers such as Sofa Express, AirTite Windows, etc.

Bachelor'S, Economics

Masters, Mba

Black Belt Certification, Lean Six Sigma