Barbara Maloney Email and Phone Number

Managing all servicing activities on loans until they are sold servicing released or transferred to a sub-servicer. Conducting compliance audits of sub-servicers. Responding to both internal and external audit results. Assuring Policies & Procedures provide the best practices for our customers and agency regulations. Conducting all business with Respect, Transparency and Determination.

Business Operations• Reduced Telecommunication costs by 45% over 6 years through effective contract negotiation and consolidation of services as needed. Project managed our TEM (Telecommunication Expense Management) Service provider to assure that billing errors were corrected, credits due were received, inventory tracked, circuit orders, upgrades and changes were quickly processed within our procedures. Conducted bi-weekly meetings with our TEM provider and major Telecommunication vendors.• Responsible for vendor management to resolve vendor payment issues, service level agreements and customer service. Tracked our domain names and bought, sold and transferred them as business needs dictated. Worked successfully across internal and external organizations.• Tracked and reported on over $5M in Budget costs to management for various IT Projects. Successful issue resolution in a dynamic environment to avoid problems.• Consolidated Merger & Acquisition costs for IT activities including travel, capital purchases, and Telecommunication costs. Transferred domain names to Cadence ownership and management. Integrated Telco services to our TEM process, including personal productivity devices.• Established an IT Mentorship Program to provide opportunities for IT employees to expand their technical skills working closely with a senior member of the IT technical staff. Headed the committee to establish guidelines for the mentors/mentees to follow, including how to evaluate the success of each mentorship team.• Provided clear concise executive management reports utilizing Excel and PowerPoint to assist in meeting quarterly and annual budget goals.

Finance: • Royalties: Managed author relations regarding royalties on books sold. Analyzed and balanced book sales to royalty reports. Created and amended statements as needed. Initiated and managed improvement of POD royalty’s payment process. Implemented procedural changes to avoid errors from re-occurring. • AR Collections: Improved collections on aged receivables utilizing Oracle Accounts Receivable software. Achieved collection on 80% of outstanding invoices that were 90 plus days delinquent. Resolved delivery performance issues on 15% of delinquent orders. • Fixed Assets: Coordinated project to convert existing assets to Oracle Fixed Assets system. Implemented new fixed assets categories and improved visibility of existing corporate asset management. Prepared final fixed asset report and reconciliation.• Audited and resolved discrepancies and implemented corrections on company stock option reports between HR’s records and our attorneys.

Secondary Marketing: • Pricing: Priced mortgage loan products daily based on current bond market conditions. Evaluated & sold new loans to various investors to secure maximum possible profit. • Customer Service: Provided customer support to 20 field sales offices to assist them in selecting the best loan product type and price point for each loan. Introduced new product lines to sales teams that increased revenue by 23%.• Process Streamlining: Created automated procedures to improve accuracy and decrease production time of hourly reports. Created on-demand reports that allowed us to know our risk position at all times. Decreased report time from 60 minutes to 3 minutes. • Processed a daily volume of $2-$9 million in loan products. Worked with Asset Risk Committee to manage assets (real estate) on our books through the management and sale of such properties.Loan Servicing Manager: Managed a $1.2 billion loan portfolio. • Directed and improved activities of the Customer Service, Collections and Investor Relations sub-departments. Decreased overtime by 70%.• Decreased loan delinquency ratios from 9% to 4%, which brought us below industry averages.• Recovered over $100,000 in over-payments to investors and implemented improved accounting procedures to avoid such errors in the future.• Led a team of 25 employees to achieve quarterly customer service and profitability goals consistently for fifteen consecutive months.