• Provided loan review services, including re-underwriting and quality control • Completed loan documentation review for residential mortgage transactions to ensure accuracy, completeness, and adherence to underwriting requirements, and review for potential misrepresentations made by parties to each loan transaction

• Provided credit risk and mortgage underwriting consultation, including serving as a testifying expert witness• Provided loan review services, including re-underwriting and quality control• Maintained and administered the company’s Microsoft Access databases• Created new and modify existing queries for quantitative analysis and reporting• Executed day-to-day managerial and administrative duties of the overall business

• Managed day-to-day general business operations including, but not limited to, client and vendor relationships, personnel management and resource planning, preparing monthly invoices and collecting past due receivables, and maintaining and updating internal SQL databases and Microsoft Access reporting applications• Led and coordinated mortgage loan review engagements, including the functions of mortgage related fraud detection, risk evaluation, re-underwriting, compliance review and contractual documentation evaluation• Provided credit risk and mortgage underwriting consultation, including serving as an expert witness

• Led and coordinated mortgage loan review engagements, including the functions of mortgage related fraud detection, risk evaluation, re-underwriting, compliance review and contractual documentation evaluation• Provided credit risk and mortgage underwriting consultation, including serving as an expert witness• Managed an internal audit team that performed quality control audits to ensure proper application of underwriting guidelines, adherence to engagement protocols, and validity and accuracy of results• Maintained and administered the company’s SQL databases and Microsoft Access reporting applications• Created new and modified existing queries for quantitative analysis and reporting• Ensured proper staffing to maintain loan review volume and meet deadline expectations, including assisting with the recruitment, interviewing, and hiring of staff• Supervised the Pre-fund, Post-close and Due Diligence service offerings• Executed, assisted with, and consulted on day-to-day managerial and administrative duties

Corporate Trust Services: Loan Review Services & Repurchase Administration• Managed the operations of a Loan Review Services team, including the functions of fraud detection, re-underwriting, compliance review, contractual document evaluation, and mortgage repurchase administration• Assisted clients with repurchase recovery through loan reviews and expert consultation • Oversaw the quality and productivity of seven full time Analysts, as well as three remote Analysts in Maryland• Managed the relationship for three of the seven Clients, yielding 81% of the departmental loan review volume and 87% of the total departmental revenue• Ensured proper staffing to maintain loan review volume and deadline expectations, including assisting with the recruitment, interviewing, and hiring of Analysts and Consultants• Performed quality control audits for remote team members and consultants• Partnered with the Sales and Business Development team with marketing the loan review product and service offering to potential Clients • Co-authored several departmental start-up initiatives including, but not limited to: Analyst performance objectives (MPP), monthly Analyst performance scorecards, Standard Operating Procedural (SOP) documents, and Vendor Management policies and procedures

• Provided support to the Des Moines Wholesale Institutional Lending Operations Site as a subject matter expert on underwriting policies, procedures and exceptions• Provided accurate, consistent guidance and clarification to credit policy and procedural questions• Underwrote escalated guideline policy exception requests and large loans based on an overall credit risk assessment within a $1,500,000 Level 7 lending authority• Assisted with re-underwriting, re-pooling, and sale of high-risk loans• Facilitated three-week training sessions, consisting of assessments and test case studies, for all new hires • Co-authored and facilitated Bankruptcy and Appraisal Red Flag training programs• Conducted monthly scheduled and targeted audits with recommendations to senior management for developmental needs including suspension of lending authority• Analyzed Credit Risk Management reports, loan sale information, and audit results to identify trends and opportunities for improvement

Institutional Lending• Managed the operations of a wholesale residential Alt-A and non-prime mortgage production team, including the functions of loan processing, underwriting, assessment, and pre-closing• Inherited a low volume, low customer service rated team and transformed it into a consistent high volume, high customer service rated team by cultivating a strong relationship with designated sales staff through consistent customer service, creating “how to” training documents, and providing off-site training seminars• Managed one of five productions teams, which accounted for approximately 35% of the total application and funding volume in 2005• Promoted five of seventeen direct reports during tenure• Conducted monthly and annual performance reviews including disciplinary (e.g., performance improvement plans) and salary actions• Assisted Fraud Risk Management with investigating and uncovering a fraud scheme, resulting in the termination of multiple client relationships and the mitigation of fraud exposure• Completed monthly audits of direct reports resulting in coaching opportunities for developmental needs• Created a monthly performance tracking scorecard for processors and underwriters• Underwrote escalated guideline policy exception requests and large loans based on an overall credit risk assessment within a $1,000,000 Level 6 lending authority• Completed pre-fund fraud audit reviews• Provided policy and procedural training, and direction on loan underwriting decisions, to team members

Institutional Lending• Completed risk assessment and loan documentation review for residential Alt-A and non-prime mortgage transactions to ensure accuracy, completeness, and adherence to underwriting and compliance requirements• Completed second-level loan reviews for transactions outside of junior underwriters’ authority• Provided leadership and mentoring to junior underwriters

Compliance Services Policy & Regulatory Group• Developed and executed Regulation Z (Truth in Lending) policy and regulatory audits for multiple business lines • Analyzed results to ensure compliance with the requirements of the policies and regulations• Reported findings and recommendations to management • Conducted follow-up reviews to ensure appropriate changes were implemented

Information Services: SAPPHIRE project• Developed and executed quality assurance test plans for software applications • Analyzed expected results against actual results to ensure software met business and functional requirements • Assisted in the mentoring of new hires • Served as Quality Assurance lead for specific efforts such as User Acceptance Testing

Central Loan Approval Office• Completed risk assessment and loan documentation review for residential retail first and correspondent second mortgage transactions to ensure accuracy, completeness, and adherence to underwriting and compliance requirements• Made timely loan decisions within delegated authority • Provided leadership and mentoring to junior underwriters• Consistent top performer, including departmental monthly record of $2M in second mortgage loan originations