Specialize in all origination channels of Non-QM mortgage origination. Risk management - including proprietary credit policy review and underwriting training, quality assurance practices from point of sale, and regulatory compliance. Vendor engagement and relationship management. Business process analytics and technology solution implementation. Joint venture/partnership opportunities, planning, and implementation. New business channel (or initiative) research, planning, and pro forma modelling. Loan servicing and loss mitigation effectiveness. Call Center performance review and best practices analysis.

Recruited by joint venture (Wells Fargo/CoreLogic) management to transition division through JV divestiture; devise and implement a cost effective SaaS platform retirement plan; and aggressively address business expenses in a declining market. Divided time between managing multiple SaaS gateway platforms to support 500,000 transactions per month; a centralized inbound/outbound services support Call Center; a 24/7 technical production support Help Desk; and delivery of robust business analytics and service.Select Accomplishments•Reduced business operating cost and re-negotiated key vendor contracts while working with client channel management to re-negotiate a higher fee structure to improve profit margins on client services after REDirect was sold out of JV partnership. •Monetized value-add consulting and platform customization services adding 20% to top line revenue after first year.

Hired by company president to develop and execute a business plan for outsourcing professional services. My role included directing RFP responses; pricing of professional services; contract negotiations; new business development; managing operational performance and metrics; and division budgeting and financial performance.Selected Accomplishments• Proposed and implemented new professional service to assist clients with FHA compliance while liquidating non-performing loans by taking advantage of a new FHA Distressed Asset Stabilization program. New service increased division revenue by more than 50% within first year of implementation.• Partnered with strategic technology vendor to re-purpose image scraping and OCR technology solution to improve loan on-boarding efficiency and data integrity.

Worked with owner and investors to re-capitalize an existing mortgage banking origination platform. Helped create new business plan to raise private capital and secure warehouse funding. Responsibilities included establishing process and metrics for point-of-sale activities; prioritization and management of operational activities; development of product pricing and policies; and managing loan sales to acquisition partners.Selected Accomplishments• Directed fulfillment team with 100% successful whole loan sales at targeted secondary price.

Recruited by company owners to create and execute a business strategy for a new Wholesale mortgage sales and origination division. My responsibilities included recruiting sales and marketing talent in a competitive market; alignment of sales compensation with corporate goals; development and control of product distribution, pricing and policies; establishing operational processes and performance metrics; maintaining regulatory compliance with proper controls; and meeting projected P&L performance expectations.Selected Accomplishments• Successfully executed a start-up business plan to establish new wholesale origination channel• Generated multiple new programs/products by leveraging strategic investor relationships to differentiate and create a marketplace advantage against larger competitors.• Successfully created a unique competitive sales compensation plan to attract top industry producers in a competitive market environment while aligning sales performance with overall company goals and results.

Recruited by executive management to improve division financials and operational performance. Responsibilities included division budgeting and P&L performance; product research, development and sales through Correspondent origination channel; regulatory compliance; quality control metrics and reporting; managing operations and processes to meet division goals; development and maintenance of key client relationships.Selected Accomplishments• Led a team effort across multiple divisions and in conjunction with the secondary markets team to unify disparate lending guidelines, creating consistency for strategic partners while also improving loan origination quality and portfolio performance.• Directed on-site M&A due diligence review teams for multiple acquisition opportunities.

Hired by executive management to provide technical expertise to help build a correspondent lending division. Responsibilities included projecting and managing divisional P&L performance; strategic business planning and tactical implementation; purchase and sales contract negotiations; management of sales and marketing effort; alignment of compensation plans to company risk and profitability objectives; mortgage loan program development and pricing.Selected Accomplishments• Part of executive management team that managed monthly loan volume growth from less than $2M per month to over $125M per month over a 3 year period.• Led organization that received industry-wide recognition as a top service provider to an affiliated network of correspondent mortgage bankers.• Worked with bond underwriters, rating agencies, and credit enhancement providers to generate variable lending risk programs and underwriting guidelines used to bracket residential mortgages for securitization.• Leveraged corporate money management capability to create a unique market solution allowing affiliate lenders to “hedge” their portfolio pipelines against interest rate volatility risk while also increasing market channel penetration

Wholesale and retail mortgage origination. Mortgage loan servicing and loss mitigation.