▪ Led multi-site teams to deliver over $6B in mortgage production.▪ Developed reporting and enhanced oversight routines to reduce per loan concessions.▪ Implemented root cause analysis and training to deliver quality control results of 98% or greater. ▪ Pioneered a new customer satisfaction questionnaire and platform that provides more granular feedback on areas of opportunity. Customer satisfaction is now consistently 90% or greater.▪ Key contributor to the Executive Oversight Team responsible for the implementation of a new loan origination system.▪ Significant experience in compliance risk management including issue identification, triage and implementing tactical and strategic action plans.

▪ Drove strategy development and execution focused on customer satisfaction and expense management while exceeding profitability targets.▪ Spearheaded the development of enhanced reporting, training and oversight initiatives that delivered double digit improvement across all key performance indicators including customer experience, approval turn times and process efficiency. Beltsville Branch ranking improved from 18 to consistently being ranked in the top 5.▪ Transformed the use of new technologies including Loan Beam and AccountChek which reduced customer documentation requests by 25% and resubmissions to underwriting by 18%.▪ Installed web-based and instructor led training and reduced underwriting defect rate by 42%.

Set the strategic direction and manage day to day operations of a 200 person team and a $45M budget responsible for:- Actively improving the origination and servicing quality for Freddie Mac's $2T Single Family portfolio- Increased underwriter productivity over 60% from 3 loans per day to over 5- Reduced loan file size over 50% from over 700 to an average of 320- Improved organizational structure by reducing layers and spans thus improving accountability and communication- Reduced loan defects from 10% to 1.8%- Eliminated or revised over 20% of outdated policies and procedures- Implemented new underwriting systems on time and within $20M budget- Achieving expense targets by actively managing a $45M expense budget including reducing vendor costs by 15% and leveraging additional - Utilizing six sigma, LEAN, Agile and other methodologies to improve productivity, technology and workflow- Implemented new operational risk control system (BWise) including reduction in the overall number of risks and streamlining risk identification process- Designing and implementing surveillance tactics that prevented Freddie Mac from suffer any fraud driven losses - Active in the design of components of Freddie Mac's Loan Advisor Suite including Loan Product Advisor, Loan Collateral Advisor, Automated Collateral Evaluation and Quality Control Advisor- Key member of senior Risk Management team providing input and direction for key risk indicators, credit policy decisions, portfolio monitoring and performance- Serve as senior leadership representative for engagements with FHFA and FHFA OIG related to quality control, counterparty operations, fraud and other risk related functions- Lead numerous negotiations with customers in settling legacy portfolios- Serve as primary contact for external speaking engagements such as MBA conferences

▪ Set the mission and provided tactical leadership for a nationwide operations team responsible for maintaining strong portfolio quality while achieving expense, productivity and customer service targets.▪ Consistently delivered productivity growth rates of 10% by utilizing the Six Sigma framework that resulted in reduced data entry, streamlined loan document requirements, and reduced underwriting turn times.▪ Pioneered the implementation of four-hour underwriting turn times.▪ Launched contract underwriting as a service for mortgage companies that delivered over $50 Million in revenue.▪ Effectively managed annual expense budget of $70 million.