Chris Sanchez Email & Phone Number

Los Angeles, California, US

Responsible for a team that manages a $2 billion consumer lending portfolio consisting of 1st lien SFR mortgages, HELOCs, and unsecured consumer lines of credit and term loans.Develop and maintain consumer credit risk management controls and processes that align with the bank’s risk appetite and drive results for the line of business.Lead consumer loan.

Charlotte, NC, US

• Helped the bank recover losses on over six million foreclosures totaling $200 billion. Expert-level knowledge of regulatory compliance, REO, as well as nationwide foreclosure and bankruptcy processes.
• Advised management on the feasibility of foreclosure, litigation, workout and forbearance options after performing audits of underwriting analysis, title, appraisal and closing documentation.
• Developed job aids for multiple projects to eliminate process gaps, resulting in streamlined workflows while ensuring federal and state compliance and adherence to corporate risk policy.
• Collaborated with other business segments as the subject matter expert on various business tools, resulting in the rollout of published job aids, desktop reference guides and revised compliance courses.

• Managed a $100 million pipeline of performing loans, loss mitigation and special assets involving SFR and multifamily investments. Negotiated with investors and attorneys to structure workouts, forbearances and loan.
• Monitored loan performance, covenant compliance and reviewed financials and appraisals. Reclassified non-performing loans and adjusted risk ratings as necessary. Met regularly with borrowers to solicit new business and.
• Streamlined the loan origination process by training the bank's client relationship managers in reviewing loan applications, resulting in improved processing and underwriting times.
• Led a project that integrated a commercial loan origination platform with existing consumer lending software. Rolled out ahead of schedule and under budget.
• Authored the bank's HELOC approval guidelines and risk rating matrix to align with revised lending policy and current business needs, reporting directly to the chief credit officer.