Solomon Edwards / Federal Deposit Insurance Corporation (FDIC), Client – Contracts and Leases previously executed between the FDIC as appointed Receiver of a failed banking institute and its third-party vendors prior to the bank failure. Reviewing third party contracts and/or leases, at the client’s discretion I analyzed the financial liability of the binding documentation in preparation of my recommended opinion on how to proceed with the contract and minimize financial liability. Prepared cases/proposals to management with a plan of action reflecting my opinion for approval. Performed virtual site visitations on Loan servicing partners with portfolios consisting of Judgements, Deficiency assets and Charged off assets for adherence with servicing agreements. Prepared, submitted modified workflow procedures to existing procedures and received management’s approval and implementation of my proposals. Post-closing activity and reflection of my performance, I have been retained by Solomon Edwards as active status identified as a CORE team member to be engaged as needed on future projects.

Bazilio Cobb/ Federal Deposit Insurance Corporation, Client - Project Receivership Assistance Service (RAS) Managed and supported the Texas State Bank Closing of Enloe State Bank, Enloe, TX, in an agricultural community. As an interim contractor specifically hired to assist in the closure of a Texas State bank involving fraudulent loans and destruction of banking records by fire. Served as a Senior Asset Specialist, successfully fulfilling my assigned duties, analyzing initial and post fraudulent loans to bank customers of the former banking institution. Interviewing loans customers while Collaborating with Client’s Project Manager, System Vendor and Key Stakeholders in providing revisions to the project plan as needed. Effectively communicated with all team members to ensure all project requirements and milestones were understood and delivered according to the project plan to ensure deliverables met the client’s established timeline. Established team collaboration, timelines, and execution of a well-organized and efficient process. Provided data analytic support for projects and impact assessment as needed. Established an accountability strategy to avoid project roadblocks and ensure success. Post-closing activity and reflection of my performance, I have been retained by Bazilio Cobb on full time active status identified as a CORE team member to be engaged as needed on future projects.

Completed the project successfully for Solomon Edwards client the Federal Deposit Insurance Corporation, by performing analysis of borrower’s financial condition (underwriting and evaluating credit risk analysis of C&I, CRE and Construction loans (draws request approval) and collateral analysis to determine borrower’s ability to repay the debt and proposing the necessary actions required to maximize recovery giving particular attention to all the problem accounts. Manage daily operations for credit, collections and cash applications. Managed Commercial Real Estate, Commercial and Industrial loan portfolios. Negotiating complex settlement cases and evaluating any proposals submitted by borrower which includes restructure, modifications, foreclosures, advances, write-offs and expense cases. Review and establish effective action plans to mitigate credit and collection risks.

Reviewed and submitted FDIC’s required final annual reports for audit, compliance, content and operating policy adherence for Technical Monitors’ approval.Escalated and resolved deficiencies and/or issues for 574 FDIC RSAM loan portfolios of 296 Shared Loss Assets (SLA) agreements.Successfully assisted FDIC RSAM in reducing assets, from $76B to $55B, and claims, from $3.43M to $1.86M.Prepared, reviewed, and submitted, the Findings Resolution documentation to process adjustments, and recoveries. Resulting in $879M in recoveries to FDIC. SEG Project / Promontory Financial Group - Bank of America Project Consultant Previous project December 2012 – January 2013Reviewed and provided Quality Assurance for Residential mortgage lending for compliance with bank’s policy and regulatory guidelines. Successfully completed this task with the extensive use of AS400, HomeBase, HomeSaver, iPortal, LAMP, LPS, MERS, AACER, iPortal, proficient in Excel, Word and MS Office suite overall.

Worked in the Production department performing audits, and quality control assurance of Single Family Residential (SFR) loan portfolios.Timely performed Due Diligence on loan portfolios for potential purchasers, investors, and clients. Utilizing the FITs application software.

Performed Forensic bank audits of specifically assigned loans for initial determination to pursue filing of claims against the Directors and Officers (D&O) Liability insurance policy. Reviewed loans for compliance with bank’s policy and regulatory guidelines. Compiled evidence for each loan to support and determine if losses were worthy of pursuing an insurance claim for fraud or other irregularities. Prepared executive summaries in detail of the investigation findings. Analyzed the financial strength of each Director and Officer to repay the bank's Receivership losses in excess of the Insurance policy coverage. Conferred and presented evidence for FDIC's Legal counsel providing them with support for their determination to pursue filing a D&O Liability claim for losses incurred by the Receivership. Proficient in Excel, Word and MS Office suite overall.

Provided FDIC, Franchise Marketing department, strategic marketing direction of entire bank loan portfolios, bank portfolio structuring, marketing analysis, and quality control of asset appraisal companies. Present sale proposal to FDIC National Resolution Strategic Committee for approval of proposed bank sale. (Total 193 banks with $116B in assets.)

Orchestrated Commercial Credit department’s success through Credit Risk Administration. Improved through the implementation, monitoring and enforcement of credit guidelines on a national basis. Conducted Commercial Credit Reviews for Commercial Mortgage Loans, Commercial Real Estate Loans and Multifamily Loans, credit policy, procedures, credit risk ratings and underwriting practices. Project manager conducted Risk Control testing for Commercial and Multifamily servicing departments: Loan Closing and FundingLoan Pay-offsBilling and Adjustable Rate Mortgage ProcessingPost Closing Mortgage Lien release and trackingCash Operations EscrowsNew Loan Set UpCREL Loan Closing and FundingAppraisals and Portfolio Management Certified Master BASEL User of the Commercial Risk Rating Application and Methodology

Resolutions & Receiverships Specialist Dallas, TX final assignment from 1997 to 2005Planned, executed and monitored the orderly and least cost methodology for the resolution of FDIC insured institutions and the management of the liabilities of the FDIC insurance fund in connection with 42 banks.* Achieved success with combined total asset balance of $9.1 billion.*Worked directly with the senior bank management of the financial institution in coordinating the exchange of bank information*Compiled bank data creating an Information Package for both marketing the bank to potential purchasers/investors and valuation of the assets establishing a selling price*Reviewed various types of loans (Commercial Real Estate, Commercial Industrial, Residential Mortgage, HELOC, Agricultural, and Consumer) for documentation, credit worthiness, cash flow for a full loan review analysis*Recognized as Master Credit Risk application expert. 90% percent of the assignments pertain to the Information Package and Asset Valuation process addressing the General Ledger Assets and Liabilities. In this process, the primary computer application utilized is RAVEN (Risk Analysis & Value Estimation - Visual FoxPro)Computer Information Security Specialist, Hartford, CT from 1994 to 1997Primary responsibility to ensure the security and integrity of user access of all automated systems within the Local Area Network (LAN) and Wide Area Network (WAN).*Provided network access to approximately 600 employees*Conducted and monitored employee network violations *Received two Special Achievement awards for personal commitment and success providing computer support to approximately 600 employeesVarious locations for periods, from 1975 to 1994Performing in various capacities with FDIC. Initial position, in 1975, was Assistant Bank Examiner.