Bernard Gray Email & Phone Number

Baltimore , Md, Us

Supporting transformation and modernization of personal loan origination system- Requirements Analysis- Technical Expertise- Database Analysis- Collaboration & Communication- Problem Solving

As an Owner/Franchisee of Bricks & Minifigs, I’m thrilled to expand the LEGO® resale experience in our vibrant community. With a few stores already serving the area, we’re in the process of finding the ideal location to bring even more value and excitement to local LEGO® enthusiasts. Stay tuned as we finalize our site and prepare to open our doors soon!

Richardson, Texas, Us

High school and junior high football official for Texas public and private schoolsCrew Chief and RefereeMember, Ethics Committee, Fort Worth chapterPast Chairman, Recruiting Committee, Fort Worth chapterTwo-time Outstanding Contributor award winnerUIL State Championship 2022, 2023

New York, Ny, Us

• Led and successfully executed large-scale regulatory initiatives with significant impact on multiple Home Lending lines of business, as well as firm-wide initiatives affecting Home Lending operations.• Led project team in identifying and implementing the infrastructure to establish Chase as a contingent servicing partner with Fannie Mae and Freddie Mac, resulting in additional annual income stream potential of $3.5MM+• Collaborated with various businesses and functions to meet program objectives set by stakeholders, using project management tools

New York, Ny, Us

Serving as scrum master and business analyst to multiple scrum teams modernizing a legacy web application and migrating to public cloud in the Mortgage Warehouse Lending space.• Coached team members on Agile practices and developed sprint review process to demonstrate functionality and highlight delivery to stakeholders, resulting in 61% increase in overall velocity over an 8-month period.• Elicited requirements and developed wireframes for proposed screen layouts, which facilitated meaningful discussions with users & stakeholders.

New York, Ny, Us

As Workstream Lead, I led the analysis, mapping, and migration of complex syndicated, agented, and bilateral Commercial Asset Based Lending (ABL) loans from ABLE to Loan IQ (Misys/Finastra) for loan servicing.• Directed the mapping of complex data related to customers, facilities, commitments, remittance instructions, loans, letters of credit, accruals, and syndicate loan participations/positions. • Collaborated with Operations to develop and populate templates for manual data conversions and designed extract and transformation of data for provision to boarding APIs.• Executed/directed multiple critical conversion tasks detailed in a 260-step conversion playbook, which was refined through multiple mock conversions, leading to the development of preventive and detective updates/reports to facilitate financial and operational data reconciliation during conversion weekends. • Outcome: Successful conversion of $17B of loan balances on $52B of global commitments to a strategic loan platform, enabling the retirement of an end-of-life application, gaining efficiency of scale in DevOps/tech support model.

New York, Ny, Us

As Technical Team Lead, I led the daily scrum meetings and filled the role of scrum master for the support and enhancement of interfaces and batch processes using McCracken Strategy system in the servicing of Commercial Term Lending mortgage loans. Led regular sessions to surface requirements, refine user stories in Jira, and update knowledge base articles in Confluence.• Led the analysis, design, and delivery of critical high priority features for a bespoke legacy loan servicing application, including provision of loan/payment data to clients and processing of submitted (both on-us and off-us) payments by clients through a corporate online portal, • Outcome: Increased client satisfaction by providing self-service and reduced workload for Operations performing manual payment processing transactions.

New York, Ny, Us

Led initiative to reduce origination turn-time by visiting high-efficiency sales teams and analyzing their processes to identify organizational best practices. Engaged subject matter experts in Originations, Operations, and Credit Risk/Portfolio Management to review business processes to identify pain points, perform root cause analyses, and recommend solutions to senior management• Correlated data to show that fastest overall controllable turn times for real estate loan originations track with turn times for the initial Sales activity phase. • Identified over 20 best practices, along with 33 recommendations (6 of which were noted as Quick Hits) to executive management after soliciting and comparing various qualitative attributes (including behavioral practices, priorities, and team composition) for a sample of best and worst performing Sales teams in southern CA region. • Outcome: Select recommendations were subsequently incorporated into Sales goals and included in a scorecard to help manage effectiveness. Overall improvement of 2+ days on average in controllable turn time for the region.

New York, Ny, Us

Developed a change management methodology and process for Commercial Term Lending operationsDeveloped and executed Risk Control Self Assessment for Commercial Term Lending operations, including control tests for loan origination, appraisal management, and loan processing departments.• Collaborated to create and develop Risk and Control Self-Assessment (RCSA) process for multiple commercial real estate lending activities, including Sales, Processing, Underwriting, and Appraisal, ultimately resulting in avoidance of regulatory issues and/or reputational risk by proactive identification of control gaps, development of action plans, and execution of remediation steps.

New York, Ny, Us

Formerly Washington Mutual Bank - acquired by JPMorganChase in 2008Implemented a suite of enhancements to New Loan Setup process, ingesting XML from home-grown origination system to automate boarding of pertinent loan data. Led team in support of enhancements to McCracken Strategy loan servicing and accounting system.• Led the analysis, design, and delivery of critical high priority features for a bespoke legacy loan servicing application, including an enhancement to automated loan booking process using inbound data from origination system, resulting in an increase of touch-free onboarding from 50% of required data fields to more than 90%.

Santa Ana, Ca, Us

Formerly Transamerica Real Estate Tax Service - acquired by First American• Led the analysis, design, and delivery of critical high priority functionality, including o A pre-cycle audit work queue system, which provided a proactive set of audit processes to identify data exceptions prior to the compressed and intense timeframes of tax cycles, resulting in lower rates of errors/non-compliance in tax reporting to lender clients. o Integration of a custom document scan/sort device for processing physical tax bills into production tax reporting system, providing annual savings of >$750K, due to elimination of hiring costs and human errors related to seasonal temporary workers. o update of entire tax reporting system to expand fiscal/calendar tax year values in processing to be Y2K compliant.• After acquisition by competitor firm, led the analysis, design, and delivery of multiple data conversion and transaction bridge processes supporting the consolidation of the distinct tax procurement and reporting systems. Despite aggressive timelines and morale issues, the outcome was a successful migration of over one-third of the nation’s residential mortgages with no user complaints in the first 30 days of production.

Farmers Branch, Texas, Us

Support and maintenance for garment ticketing application. Secondary support for EDI-based inventory management processing for large customers.

West Hartford, Us

Entry level: Accounting Assistant, Corporate Accounts PayableCompleted Systems Engineering Development (SED) program > Phase 1: Business Analyst/Account Manager - Client Services > Phase 2: Technical Training: Procedural Approach using C and Visual Basic - Southfield, Michigan > Phase 3: Systems Engineering - Developed client interface on AS/400