• Directly managed and mentored a team of 13 residential origination, processing, underwriting, and closing professionals.• Coordinated all aspects of pipeline management activities, optimizing workflows and resource allocation to meet production targets.• Worked to streamline processes and procedures to enhance operational efficiency and minimize turnaround times.• Cultivated and maintained productive relationships with external vendors to ensure seamless integration of services.• Negotiated contracts and service level agreements to optimize cost-effectiveness and service quality.• Prepared comprehensive monthly and quarterly reports to provide insights into key performance metrics and trends..• Conducted thorough accounts payable reconciliation and track invoices to ensure accurate record-keeping and budget adherence.• Acted as the primary point of contact for consumer complaints and escalations, delivering exemplary member service and timely resolutions.• Provided critical support for regulatory audits and examinations, ensuring adherence to laws, regulations, and internal policies.• Drove process improvement initiatives to enhance operational efficiency, mitigate risk, and elevate customer experience.

• Managed residential portfolio: Set mortgage rates, directed new purchase production, performed regulatory oversight. Signing authority to $1.25mm per unit including exceptions and $3mm without exceptions by board authority.• Whole loan trading: Negotiated and executed secondary market sales for residential & SBA/GGL. • Negotiated pricing for and directed sale of the entire yacht loan portfolio in 2021 ($150mm).• Vendor management, contract negotiation, due diligence and compliance oversight.• Management oversight of residential mortgage subservicer (Dovenmuehle Mortgage).• Developed processes and procedures around first line monitoring for regulatory compliance and credit risk leveraging process modeling software; further rolled out to the greater organization.• Direct contact for internal and regulatory audits.• FHLB and Fed/BIC pledge reporting. • Invoice approval and account reconciliations.• Developed relationships around Community Reinvestment Act lending and oversaw completion of related residential purchases.

• Oversaw the residential lending portfolio, purchase pipeline, pricing & related risk reviews. Signing authority to $750k per unit and manages transactions up to $3mm per unit.• Hired, developed and led a small team of professionals responsible for executing the mortgage purchase process.• Managed all departmental vendor and financial institution relationships, including contract negotiation and due diligence reviews.• Oversaw subservicer relationship and resolved all escalated issues.• Whole Loan Trading: Negotiated and executed secondary market sales for residential, SBA/GGL, CRE and yacht lending ranging from single loan flow to pools upwards of $40mm.• Oversaw all departmental internal and regulatory audits.• Increased efficiency of secondary market processes with automation and procedural updates.• Reviewed market activities and set residential mortgage rates to control volume.• Managed loan purchases and sales within budget parameters, adjusting as necessary to meet bank needs.AVP/Secondary Market & Consumer Lending Management Officer (March 2017-March 2018)

• Streamlined and simplified new vendor on-boarding process for residential lending sellers.• Managed residential loan purchase pipeline; responded to credit scenarios; scheduled and approved funding up to $2.5mm per transaction.• Reviewed exception scenarios and declined as needed.• Managed CRA activities and maintained public file.• Executed sales of consumer and commercial loan pools(residential non-conforming, yachts, & SBA).• Reviewed and approved vendor invoices.• Trained and managed temporary employees and interns.• Reviewed seller agreements and assisted in the on-boarding of new sellers, including necessary due diligence.Residential Lending Consultant (December 2013 – December 2014)• Reviewed and updated SOPs, eliminated redundancy and increased efficiency.• Automated manual tasks and provided training on new procedures.• Audited and organized storage facility, created tracking and trained in new setup.• Assisted with backlog of residential file review as necessary.• Reconciled residential accounting related to escrows, corporate advances and transfers between servicers.• Updated CRA mapping and procedures. Provided templates for future updates. • Provided guidance on managing interpersonal conflicts.• Worked with the loss mitigation department on organizing and approving short sales.• Drove issue resolution with sub-servicer.• Reviewed CRA audit requirements and providing audit preparation guidance and assistance;compared and analyzed most recent exam against determined peer exams. • Yacht loan closing and funding. • Automated yacht loan process.

Administrative Management, Office Management, Human Resources, Recruiting/Head Hunting, Editing, Residential Lending for Contract Hire.• Company training.• Project oversight.• Recruiting and hiring.• Job Search Assistance: Review and edit resumes and cover letters. Conduct job searches for busy professionals who do not have time to conduct them themselves.• Organizational Development: Asses staffing and efficiency levels. Creation and/or review of policies, procedures and process flows.• Writing and editing: Correspondence, social media and blogging, policies, menu and brochure overhauls etc.• Physical Organization: Review and organize inventory for better accessibility, streamlined work flow and cost savings.• Vendor negotiation and invoice review.• Office move coordination: Realtor review, lease negotiation, mover negotiation. transition oversight.• Fundraising.• Research.• Report and presentation preparation.• Interpersonal and business communication guidance.Projects included Harvest Cafe and First Trade Union Bank

Managed legals assistants, file clerk and client service representative. • Mitigated interpersonal conflicts.• Reviewed historical overtime and developed tracking methods for better management and oversight.• Directed implementation of mail room and copy service outsource vendor.• Created written procedures for integral office and administrative processes.• Improved local onboarding procedures for smoother new hire acclimation on all levels.• Organized office inventory for better accessibility, streamlined work flow and cost savings.• Analyzed vendor invoices for discrepancies and successfully obtained credits on extraneous charges.• Coordinated office move amongst multiple current and former employees.• Contributed to and assisted in multiple charitable endeavors including item donation and fund raising.• Planned employee parties and events.• Assisted with client marketing events including setup and presentation.• Acted as liaison to building management, human resources and IT.• Proposed company-wide standards for file closing, storage and retention.

Managed administrative staff. • Human Resources, payroll, and benefits coordinator; resolved employee issues as they arise. • Managed recruitment, hiring, and training across various departments.• Coached managers as needed on company policy, performance management and required documentation.• Created and delivered employee training for both regulatory and human resource purposes.• Project manager for regulatory and compliance audits and other special projects.• Assisted Accounting with GL reporting, and invoice review.• Managed, created, and edited regulatory reports, expense reports, company policies, internal procedures, correspondence, etc.• Screened incoming mail, phone calls, etc. Rerouted calls and correspondence to other managers when applicable, problem solved, and managed vendors and solicitations.• Attended and participated in confidential meetings and committees. When necessary, kept a record of events. • Maintained confidential files using a high degree of discretion. • Managed and created specialized reports with sensitive materials. • Planned and organized large scale company events.• Managed office supplies, stationary, postage, break room items, etc.• Established and maintained crucial relationships with various types of vendors and staffing agencies.• Monitored various contracts and bid out as necessary, keeping company costs at a minimum.• Directly involved in the restructuring of employee compensation and rewards policies.• Reviewed and improved client tracking, marketing, and market share reporting.• Automated manual processes whenever possible resulting in increased efficiency company-wide.• Cross-trained in and acts as backup for multiple departments as needed.• Part of the team that corrected company policies that resulted in the lifting of a Cease & Desist Order.• Performed an audit review of previous pipeline effectively reducing contingent liability by approximate $11MM.

Processed loans and coordinated team of loan originators. • Delegated underwriter.• Primary liaison for all sub-prime lending. • Assisted closing department as necessary to ensure team success• Mastered loan processing software (Calyx - Point) and took initiative to automate many time-consuming documents for increased efficiency. • Worked directly with COO and Ops Manager to update compliance documents. • Acted as assistant to the COO. Serve as direct contact point for his borrowers during the origination process, as well as throughout the life of the loan. • Developed valuable relationships with investors, appraisers, attorneys, and title companies.

Assisted the President with all administrative tasks. • Served as primary contact for clients and loan officers on most mortgage transactions• Processed and reviewed most new incoming mortgage files, from origination to closing. • Mastered loan processing software (Contour-THL) and took initiative to automate many time-consuming documents for increased efficiency. • Worked closely with President to maintain and update all compliance documents. • Edited and distributed mass mailed e-newsletter weekly to preferred clients and associates and updated company website daily, keeping rates current and calculating APRs. • Managed day-to-day inventory and supplies. Negotiated with suppliers to improve rates and expenditures. • Formed valuable relationships with investors, appraisers, attorneys, and title companies.