David Torbeck Email & Phone Number

Cincinnati Metropolitan Area

Lead team of 4, Manage entire portfolio of residential and commercial construction loans from closing through conversion. Manage completion escrows and property damage claims for entire bank’s mortgage portfolio. Participate in training of builders. Assist with loan officer recruitment.

Greater Chicago Area

Manage team of 7, building construction to perm department from near scratch. Participate in calling on builders, building out procedures, training ops and sales, expanding marketing materials and quality control.• Strategically, in first 18 months, grew volume from 6 closed loans/month to 18 loans/month in 2021.• Took on front end TRID disclosure and closing team in order to remediate OCC findings regarding violations and errors. Reduced errors to -0- on most recent OCC exam.• Mentored junior ops manager into leadership position upon my departure.

Greenville, South Carolina Area

Led a team of 35 managers and analysts performing the various tasks of managing and monitoring home construction projects. Teams located in Greenville, SC and Jacksonville, FL. Total loans managed = 2,000+ with committed balances to $1 billion+.• Turned around underperforming department from numerous operational concerns and OCC audit remediation orders in 9 months. Actions included rewrite of library of procedures and guidelines.• Opened communication with production management and MLO’s, credit risk, and other stakeholders via meetings and other efforts to enhance understanding and cooperation.

Indianapolis, Indiana Area

Call on and develop network of builders utilizing mix of construction-to-perm programs.

Cincinnati, Ohio Area

Manage all aspects of Consumer Direct and Retail Mortgage and Construction operations for community bank, including Processing, Underwriting, Closing, Post-Closing, Secondary and Investor Execution. Manage a team of 6. Support sales manager and 12 loan officers.

Columbus, Oh

Managed high profile borrower assistance fulfillment teams, including the Hope Loan Portal, and the Hardest Hit Fund, within Chase Mortgage Loss Mitigation/Servicing division. Teams work to process application pipelines through the complexities of modifications, forbearances and short sales. Managed staffs up to 140. Teams located in Columbus, OH and Phoenix, AZ.

Supported 4 sales cost centers, including 45 Account Managers covering 30 states. Managed Intake, Processing, Underwriting and Closing. Collaborated on essential projects for the benefit of the retail, consumer direct & wholesale fulfillment channels. Managed up to 60 staff. Partnered with sales, secondary, quality control, risk, compliance, and IT to maximize productivity. Achieved efficiencies and quality, utilizing Lean / Six Sigma tools. Member of mortgage credit policy committee.

Supported three sales cost centers, including 35 account managers covering 24 states. Supervised up to 85 staff.