Beth Cramer, Pmp Email & Phone Number

Washington D.C. Metro Area

Washington, DC

Serve as the Chief of Staff responsible for developing and leading attainment of departmental goals and objectives by providing thought leadership, strategic planning, and budget creation and oversight.

• Senior level executive leading President Obama’s foreclosure crisis program. Direct team of twenty staff members in creating market analytics to assess the impact that proposed loss mitigation programs could have on.
• Create strategies and business cases for the development of loss mitigation programs. Supported the creation of the Home Affordable Mortgage Program (HAMP) which assisted 1.5 million borrowers obtain a trial loan.
• Evaluate and recommend products to assist in the recovery of the housing market. Directed the implementation of products, which addressed the growing problem of underwater borrowers and assisted 900k borrowers.
• Analyze policy issues to optimize the effectiveness of our loss mitigation programs. Recommended changes to servicer underwriting of HAMP loans which improved borrower conversion to a modification by 50%.
• Prepare and present business results externally to Treasury, HUD, FHFA, GAO, COP and SIGTARP.

• Directed team of two Directors and four Senior Managers in housing research projects which were utilized internally to develop a housing goals plan and externally to assist FHFA with regulatory decisions related to the.
• Created analytical models that forecasted the size of the affordable market which assisted FHFA in setting housing goals targets for the GSEs. Analytics assisted FHFA in a Congressional debate to lower our 2007 goal.
• Projected the company’s expected housing goals performance and helped identify least cost solutions for goal attainment. Responsible for presenting strategies to our Executive Committee and for implementing strategies.
• Conducted housing research studies to evaluate relevant trends in the market. For example, measured and quantified the risks, costs and market impact of increasing the homeownership rate. Studies were utilized in.
• Represented Fannie Mae in discussions with FHFA acting as a consultant on housing goals’ legislation and presenting monthly housing goals results

• Managed Fannie Mae's national acquisition strategy and corporate goals by providing strategic analysis of market and industry trends. Also, supported the development and implementation of profitable business solutions.
• Evaluated and negotiated the credit pricing of lender alliance agreements by evaluating lender profile, market trends, acceptable return levels and execution analysis to determine Fannie Mae's relative position in the.
• Evaluated lender credit variances to ensure that underwriting and risk met Fannie Mae's requirements. Responsible for lenders whose volumes totaled as much as $450b yearly.
• Recommended opportunities to create new products to acquire incremental market share or to assist niche borrower groups. In 2006, created a specialized pricing structure to penetrate underserved borrower markets, which.

• Managed the credit pricing for lender portfolio transactions and non-standard mortgage products with the objective of presenting competitive bids that maximize revenue and profitability.
• Analyzed deal attributes such as lender objectives, credit risk, credit enhancement alternatives, counterparty risk, predatory lending issues and operational considerations to develop a comprehensive bid strategy. In.
• Provided lenders with MBS pooling options and bond prices for a their portfolio of loans. For ARM deals, worked with legal to prepare prospectus supplements.

• Designed, developed and presented training courses related to business topics in Finance and Organizational Effectiveness.
• Hired and managed external consultants to assist in the course development process. Managed a $250k budget.
• Presented courses in Mortgage Fundamentals, Best Execution Analysis and Secondary Mortgage Finance. Teaching course internally saved the company $325k per year.

Master Of Science, Finance

GPA - 3.9/4.0

Bachelor Of Science, Business Administration