Brian Cosgrove work email
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“If you don't have time to do it right, when will you have time to do it over?” John WoodenI am a finance executive known for my expertise in lending, investing, financing, portfolio management and loan servicing, regulatory compliance and the information technologies applying to these areas of work. PBS has done a documentary on my affordable lending and loss mitigation programs. I have served as an expert witness in legal cases and serious regulatory compliance matters.I have a demonstrated capacity to invent and develop new products, services and markets. I have managed the financing and building of large complex technical projects and I also bring experience in turning around poorly performing business operations including a recent project where I generated over $239 million in revenues in 32 months, while reducing overhead by ~80%.I achieve success by problem solving creatively. I am observant, technical and innovative by nature and this provides me with insights that can be packaged into organizational gains and improvements. My problem solving involves identifying and analyzing issues, and distinguishing between relevant and irrelevant information to make logical, risk adjusted decisions at both the individual and institutional levels. Specialties: Retail and wholesale asset and liability pricing, trading, hedging | Alternative credit pricing, trading and program management | Long Tail Economics | Mortgage fund management | Distressed mortgage asset management | Expert witness in mortgage pricing, trading, servicing and portfolio management cases | GSE and MHA contract management | Regulatory risk management | Mortgage Servicing Rights valuation | Collateralized Debt Obligations for B2B | Dynamic CDO Credit Management | Mortgage Insurance | Origination | Securitization | Secondary Markets | Repurchase | Uniform Retail Credit Classification | Allowance for Loan and Lease Losses |Comprehensive Credit Assessment Framework |
Cosgrove & Cosgrove
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Consultant - Currently Developing A C And I Lending Platform For Spreadds Industrial Solar InstallationsCosgrove & CosgroveLa Verne, Ca, Us
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Consultant - Currently Developing A C/I Lending Platform For Spreadds Industrial Solar InstallationsCosgrove & Cosgrove Jan 2011 - PresentRosena Ranch (Fontana), Ca• Provide short and long term contract consulting services to lenders and investors including banks, mortgage banks, thrifts, insurance companies and government sponsored agencies and P2P startups. • 30 years of investment management experience under OCC and OTS regulations. • Experience implementing enterprise risk management and process solutions. * Asset and Liability management, Transfer Pricing methodologies, Business Analysis, Data Analysis, Model building, Loss Mitigation, Website and Blog content.• Analytic capabilities include Visual Basic, SQL linked applications for MS Excel. • Available onsite and remotely through Go-to-Meeting, SharePoint and other remote applications and processes.
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Project Management Consultant - Subject Matter ExpertAllsec (Formerly Retreat Capital) Mar 2012 - Dec 2014United StatesEngaged as a sub-contractor to provide subject matter expertise in mortgage lending and regulatory compliance | Built and ran client’s MHA HAFA reporting project | Raised client's HAFA reporting status from last to #1 in the country | Cleared MHA C regulatory audit issues | Designed and implemented UI for six sigma reporting program which operates in 4 US time zones and India | Implemented 3 QA processes | Developed Business Control Plan | Managed systems and operating risk compliance | Generated revenues in excess of $239+ million over 32 months. -
PresidentJust Price Solutions Jun 2004 - Dec 2010Directed the creation and development of Neighborhood Housing Services of America’s (NHSA) ecommerce & web-based loan resolutions platforms: • Managed the development of a web-based Automated Underwriting System (AUS) supporting $775 million of complex mortgage lending from borrower to investor; technology supports up to 7 layers of financing and 5 borrowers in a single online transaction thereby enhancing affordability and risk profile management. • Created the mortgage market’s first automated alternative credit and “thin credit file” 1st mortgage loan program; developed programs, technology, investors (including GSE liquidity) for 1st mortgages.• Created the loan resolution platform used by the National Foreclosure Mitigation Counseling (NFMC) initiative; platform is 100% US Treasury compatible with HAMP, HARP, HAPA and is PCI compliant; dramatically increased portfolio valuation analytics and reduced resolution turnaround times for 15,000+ loans.• Managed the pricing of NHSA’s $400 million+ complex (non-prime) CRA qualifying mortgage assets and liabilities while working directly with sellers and investors at the contract level. Negotiated and priced a broad range of investor contracts. Converted subsidized lending business model to a risk adjusted net revenue business model. • The uniqueness of these financial solutions became the subject of a 30 minute PBS news documentary.
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PresidentCosgrove & Cosgrove Dec 1999 - Jun 2004Cosgrove & Cosgrove – an institutional financial consulting agency providing technical advice and program development to: • Neighborhood Housing Services of America (NHSA) on a broad range of mortgage banking matters concentrating on community development lending balance sheet optimization and investor contract management.• Morgan Stanley Dean Witter Credit Corporation on a broad range of mortgage banking matters focusing on loan closing ratios. • LoanTrader.com (a business-to-business pre-IPO mortgage market trading platform) as a strategic advisor and problem solver for the BOD and CEO.• Harris Bank (a subsidiary of Bank of Montreal) on MSR valuation.• Neighborhood Reinvestment Corporation (NRC) negotiating the GSE acceptance of CRA assets. • Served as an Expert Witness in complex (sub-prime) mortgage banking cases.
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First Vice PresidentHome Savings Of America Jan 1995 - Dec 1999As a member of the Management Committee, developed and managed critical operations for Home Savings of America ($50+ billion company) including:• Managed Secondary Marketing for the nation’s largest mortgage lender.• Created and managed Treasury risk management and transfer pricing processes for all assets and liabilities company bought, sold and traded.• In collaboration with 10 banks, Microsoft and Quicken, created the first online banking exchange (contributed to the project in matters ranging from security to transaction costing) and supervised Home Savings web-based online banking department at the launch of this new form of commerce. • Managed Direct Marketing and the transaction-based Customer Relationship Management System used for 3.5 million households. Worked on mergers and acquisitions providing customer valuation, account transfers and branch consolidations.• Active member of the Asset and Liability Committee responsible for income and risk valuation at the transaction level, developed processes and systems which were used in these calculations. -
Senior Vice PresidentFirst Interstate Bank Jun 1985 - Sep 1995Significant industry developments:• Made markets in agency paper and options contracts.• Created the first OTC mortgage derivative contracts designed to manage prepayment risks for the nation's largest mortgage lending firms, became the highest ROE unit at First Interstate Bancorp in 1993. • Managed the development of a new proprietary computer switching technology utilized to support trading analytics; technology was later acquired by Reuters.• Managed a wide range of finance and technology oriented projects for First Interstate Bancorp as part of management development.
Brian Cosgrove Skills
Brian Cosgrove Education Details
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History
Frequently Asked Questions about Brian Cosgrove
What company does Brian Cosgrove work for?
Brian Cosgrove works for Cosgrove & Cosgrove
What is Brian Cosgrove's role at the current company?
Brian Cosgrove's current role is Consultant - currently developing a C and I lending platform for SPREADDS industrial solar installations.
What is Brian Cosgrove's email address?
Brian Cosgrove's email address is br****@****ice.org
What schools did Brian Cosgrove attend?
Brian Cosgrove attended Ambassador University.
What are some of Brian Cosgrove's interests?
Brian Cosgrove has interest in Poverty Alleviation, Economic Empowerment.
What skills is Brian Cosgrove known for?
Brian Cosgrove has skills like Mortgage Lending, Loans, Credit, Portfolio Management, Risk Management, Financial Services, Banking, Financial Modeling, Mortgage Banking, Finance, Management, Financial Analysis.
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Brian Cosgrove
San Francisco, Ca3gmail.com, techofficers.com, ucsf.edu5 +141599XXXXX
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Brian Cosgrove
Baltimore City County, Md3yahoo.com, nylatechnologysolutions.com, nylatechnologysolutions.com -
4rrd.com, beaconcgi.com, accenture.com, accenture.com2 +161752XXXXX
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Brian Cosgrove
Hawthorne, Nj1optonline.net1 +197324XXXXX
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Brian Cosgrove
Vice President, Corporate Business Development At Guidepoint GlobalNew York City Metropolitan Area2guidepointglobal.com, guidepoint.com5 +121237XXXXX
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