Anthony Jay Garcia, Mba Email & Phone Number

San Diego, Ca, Us

Enhanced the operations of both Investor and Loan Servicing for a Private Money Lender. Reported directly to CEO and improved the quality of data and spreadsheets.• Resolved issues of Servicing/REO valuation, asset management sale and financing which reduced REO by 60% through sale and resolution• Developed new program for loan sales with subservicing to increase liquidity and turn over portfolio by 50%• Created Management reporting structure with weekly dashboards on property performance• Reduced delinquency from 15% to 2% within a year which eliminated the need for Balance Sheet reserves of 5% of the portfolio value• Reduced staff by 50% through the implementation of technology, efficiency, and work duplication

Chicago, Illinois, Us

Managed the development and enhancement of ongoing credit risk reports and regulatory concerns for executive management and Board of Directors. Worked with large data sets and produced spreadsheets/reports for compliance.• Developed and implemented credit risk management initiatives such as concentration, qualitative and quantitative analysis• Partnered with the Chief Risk Officer and Enterprise Risk Committee to identify and analyze potential risks to the lending portfolio • Anticipated market and regulatory changes that affected portfolio management and bottom-line profits• Identified potential risk is 7-year auto loan program and agricultural drought impact resulting in a reduction in ALLL reserves on approximately 6 million through modified origination

Fremont, California, Us

Managed Investor relationship with Institutions and investors that participate in loans as equity partners. Work with multiple institutions to resolved issues with at risk borrowers.• Performed quantitative and qualitative analysis on commercial portfolio and shock modeling• Built relationship with investor community and established reporting metrics for financial performance• Wrote and established procedures for government reporting in a changing regulatory environment• Expanded the Credit Administration role to include Concentration Reporting and residential mortgages while increasing the analysis on the commercial lending side of the business • Restructured 5 Staff roles to absorb increased workload• Resolved loan Monitoring issues from 20% to 0% in three months• Designed and implemented Rate Hedging for high-value customers

Charlotte, Nc, Us

Originally joined organization to manage all facets of inventory accounting and quickly assumed responsibility for Real Estate Owned (REO) accounting. Served as Finance Executive for national mortgage lending company generating $7.1B in revenues.• Directed team of 12 managers and accounting professionals responsible for executing compliant Loan Inventory Accounting, including $15 to $80B in REO and Reserves • Initiated quarterly goal reviews resulting in 75% reduction in employee turnover• Spearheaded restructuring of 18 staff and applied variety of financial tools, including Hyperion, PeopleSoft, and Excel to leverage staff roles and reporting, eliminating 10% of workforce• Streamlined operational processes improving efficiency and enabling 50% reduction in outstanding account reconciliations

Fremont, California, Us

Led multiple areas of finance for San Francisco Bay Area Community Bank with portfolios from $3B - $5B. Oversaw identification of new loan buying and selling opportunities to increase portfolio return, managing investor negotiations, and financial modeling to support loans sales. Served as budget director for mortgage bank and monitored activities ensuring regulatory compliance.• Prevented 15% portfolio loss by designing and implementing new shock model for $500M pay option ARM loans • Created and initiated hedging policy that reduced investment risk for calls and puts for $100M in monthly volume

B.S., Business Admin

Mba, Business Admin