Remote - Retail Credit Risk Analysis III AVP Certified Chums DE & Certified SAROversee quality control over vendors, Fannie Mae, conventional files, and jumbo loans including reviewing credit, appraisal, income, assets, investigate and review all documentation to prevent any fraudulent activities. Remote / On-Line environment.• Verify, analyze, and process revolving accounts and credit applications promptly and following all policies and procedures achieving 100% FHA and VA files audited. • Reduced quality risk concerns annually by 10%* 6+ years of experience in default strategy, risk management, and servicing portfolios of consumer credit and mortgage loans, particularly in the U.S. residential real estate market.* Expertise in holistic risk management and default servicing, including foreclosure and bankruptcy, along with cross-functional leadership.* Ability to navigate complex decisions, engage with senior stakeholders (CRO, LOB CEOs, senior business representatives, regulators), and manage virtual teams across different geographies and time zones.* Strong communication skills, adept at simplifying complex issues into concise, executive-level summaries.* Proven success leading highly visible cross-line-of-business initiatives, driving results with a sense of urgency and meeting milestones.* Proficiency in SAS, SQL, Python, and common Microsoft productivity tools (Excel, Word, PowerPoint, Visio).

Adjunct Business Data Governance InstructorFacilitated online remote courses and lesson plans focusing on class participation, shaped a positive environment in which students grow. Engage students in all orientations at Key West University (KWU). Taught undergraduate and graduate programs. • Originated and contributed to a comprehensive culture by creating the curriculum for Data Governance and Management for a 10-week course.• Authored online course content and course syllabi including 4 written assignments 5 weekly discussion topics. • Evaluated 18 assignments in a timely fashion for each student.• Submitted 7 final grades and suggested feedback for assignments, projects, and test results through the learning management system.• Provide competency-based education that aligns with the KWU model of curricula as well as supports the KWU style of system delivery.• Designed and prepared class instruction through the development of instructional plans to meet course competencies, the development of activities which support lesson objectives, and delivers the instruction remote and online. Moodle model and Sycamore campus school Management system completed 100%.• Authored instruction by establishing a classroom environment conducive to student involvement as well as effectively planning and preparing for classes and student success.• Promoted student success by showing flexibility in style and professional schedule as well as exhibiting a passion for teaching and students and engaging students in the process to 100% of the students. • Improved 100% metrics for grading rubrics.• Presented 100% teaching in a virtual environment.

Oversaw assigned credit transactions for portfolio, Fannie Mae, conventional files, and jumbo loans, ensuring loan requests were handled efficiently and processed in a timely manner, consistent with Citizens’ standards and service level agreements.• Communicated with all lenders, credit officers and management regarding specifics concerning both approved and declined loans.• Monitored and reported activity on loan applications and decisions, including maintaining record of loan applications received and booked.• Led independence of Citizens’ underwriting and recommendation of initial credit risk rating.• Achieved and exceeded all production goals while maintaining underwriting integrity and overall profitability of product offered.• Safeguarded review of appraisal, income, assets and credit. Full manual reviews.

Assigned credit transactions for portfolio of 100+ transactions. • Audit risk continuously lower than 2% on all files reviewed by meticulous research, policy and guides to ensure quality control.• Selected, priced, classified and determined coverage terms of individual liability risks following the company’s established guidelines and philosophies.• Led overall portfolio performance and asset quality remained strong and able to independently address and develop strategies to resolve issues that would increase risk or create loss for the bank.• Oversaw financials and made recommendations for annual reviews.• Collaborated with other team members and mentored less experienced underwriters and support staff.

Oversaw staff of 16 associates. Analyzed government claims, FHA and VA, ensuring recovery of default through supervision.• Safeguarded and updated financial records including recognition of liability for future payments; established and maintained adequate reserves and authorization claims payments.• Researched issues and obtained proper supporting documentation in timely manner as requested by investor.• Managed application of all claim funds received and provided additional information as necessary in order to validate all available funds received prior to a claim being closed.• Teaching and coaching: Led staff of 20+ progress though new implementation of loan operating * 6+ years of experience in default strategy, risk management, and servicing portfolios of consumer credit and mortgage loans, particularly in the U.S. residential real estate market.* Expertise in holistic risk management and default servicing, including foreclosure and bankruptcy, along with cross-functional leadership.* Ability to navigate complex decisions, engage with senior stakeholders (CRO, LOB CEOs, senior business representatives, regulators), and manage virtual teams across different geographies and time zones.* Strong communication skills, adept at simplifying complex issues into concise, executive-level summaries.* Proven success leading highly visible cross-line-of-business initiatives, driving results with a sense of urgency and meeting milestones.* Proficiency in SAS, SQL, Python, and common Microsoft productivity tools (Excel, Word, PowerPoint, Visio).