Christopher Borges Email & Phone Number

• Lead a team of analysts to ensure that market volatility has a minimal effect on the profitability of the company, tasks include: o Managing loan extensions, pair-offs, and substitutions o Monitor trading position o Pipeline Risk Management o Supervise lock desk functionality • Collaborate with IT to deliver working software frequently, with a focus on API’s• Continually support and maintain best execution models to maximize profitability• Offer automation and creation of daily reports with various computer languages • Provide ad-hoc data analysis

Miami

• MCT: Mortgage Capital Trading: I am the lead analyst for our third-party hedging provider Designing audit templates to ensure data integrity throughout our mortgage pipeline Investor price compares Loan level data analysis LLPA and MSR valuations New program integrations• Department Liaison: I manage our company’s Fannie and Freddie pipeline, along with any third-parties to ensure funding Managing loan extensions, pair-offs and substitutions to ensure profitability Provide Uniform Loan Delivery Dataset (ULDD) to all loans sold to agencies• Mortgage Specialist Create all step-by-step training documentation for departmental tasks Collaborate with IT to ensure data accuracy and integrity throughout the life of the loan Encompass Reporting and Analytics Executing whole loan sales, while being the lead analyst for securitizing Fannie Mae MBS Finalize all reporting to VP reports can include: • Accurate current interest rate risk reports for traders throughout the day • Ad-hoc loan analysis via Microsoft SQL Server Management Studio • Conducting product and hedge compare • End of Month ReportingTraining Employees either by face-to-face or virtual means.

Eagle Home Mortgage (EHM), the financial services subsidiary of Lennar Corporation, an S&P 500 real estate and financial services leader. I went to each department within the company, which included Loan Origination, Underwriting, Processing, Closing, Secondary Marketing, & Credit Department. I worked closely with a corporate trainer and traveled to different divisions to work with various department heads. The goal for this position was to know the entire business operation and how each department plays a vital role within the company.

Major: FinanceMinor: Psychology

Tallahassee, Florida Area

Crew Member until promoted to Shift Leader, December 2011In charge of opening/closing the store, calculate totals, train employees, and provide excellent customer service

Miami/Fort Lauderdale Area

* The job above was taken every summer from May to August for 5 years.Cashier and Customer Service Representative for two years before being promoted to Head Cashier in 2010. Promoted to Head Cashier for OLS Travel Team in 2012, responsible for setting up for a sale, making sure computers are ran accordingly, filling out bank deposit and reporting sales back to company During my time at Sunshine I trained about 30 - 40 employees, in a four year span. Also traveled with the company to other schools locally as well as out of state, have traveled to well over twenty different cities.

Master Of Science (M.S.), Management Information Systems, General

Activities and Societies: Golden Key International Honor Society

Bachelor Of Science (B.S.), Finance, General

Bright Futures Recipient 2009 - 2013 Fall 2012 Deans List

High School Diploma