Bob Heath Email and Phone Number

Vice President, Residential Mortgage, Customers Bank• Assist in the Restart of Direct Mortgage Lending for Customers Bank, direct report to Business Manager with focus on problem solving and growth. • Develop and implement Residential CRA activities, including originations with focus in the City of Philadelphia• Train and manage internal Origination and CRA staff.• Provide depth to the management team in origination, processing, underwriting, closing, product development, and compliance.• Implement origination portion of Encompass Processing system for improved compliance and control of Residential loan originations.• Managed existing origination staff, as producing Manager.• Support the acquisition of the Washington, DC area and Delaware origination groups.• Develop communication and product delivery to the Bank channels – including Branches and, Commercial lending.

• Updated Origination Skills –through personal origination of conventional, HomePath, FHA, VA, HomeStyle and 203k Renovation loans, Jumbo, financed conventional PMI, 2nd mortgages and USDA .• Area lead – for products, scenarios, underwriting, and originator problem solving.• Training Resource – for originators and processors.

• Licensing – Obtained Maintained 1st and 2nd, FHA and VA licensing. Safe Act Transition with NMLS, completed education requirements and individual licensing in Pennsylvania and New Jersey.• Marketing – Loan Production and Personal Service to Clients. Mortgage Product Analysis, Pricing and Training. Sales Presentations to Realtors.• Managing – Establish and Maintain Correspondent Relationships. Maintain Regulatory Compliance. Hire and Train Inside and Outside Staff.• Underwriting – Analyze loan files to Investor Requirements, Loan types include: Conventional, Jumbo, FHA, VA, 2nd Mortgages, Lines of Credit, Small Commercial, and Bridge Loans. Achieved exclusive Platinum Authority to underwrite and fund loans directly. Financial Statement and Self-Employed Analysis. Direct Bridge Loan Lending.

• Restarted and managed all phases of Direct Mortgage Lending. Origination, Underwriting, Closing, Secondary Marketing and Correspondent Lending.• Directed Builder Forward Commitments and Construction Loans. • CRA Compliance (Received a 1 Rating) and HMDA Reporting.• Securitized Mortgage Portfolio to Reduce Balance Sheet, Generate Capital and Income.• Direct Lending Authority, Asset and Liability Committee member.• Right Sized Operations to Survive Thrift Crisis and produced record closings.