Gerard T Mccoy Email and Phone Number

 Direct team of underwriters and originators.  Supervise loss prevention program on all aspects of lending business. Maintain broker and vendor relationships. Manage entire loan servicing portfolio ensuring timely payments. Facilitate solutions as needed including creative payment structures, workouts, loan restructuring assignment of rents and leases.  Monitor industry trends.  Ensure that banking operations, policies and procedures were in compliance with OFAC, OCC, OTS and KYC regulations. Implement and manage risk policy relative to Bank controls and the extension of credit. Present recommendations to senior Bank management. Manage review and approval of authorization strategies and resolution of related problems.

Identify Banks for Acquisition Supervised due diligence including portfolio analysis, review of branch operations, marketing, information technology, human resources and compliance. Performed property inspections and review all special non-performing assets with banks’ in house credit review staff. Directed the application process with all applicable regulators. Co-authored McCoy Zeitoune Group Business Plan for Bank Acquisition. Collaborated on cash flow and projection models. Implemented Dodd Frank and RESPA changes and Regulation Z. Liaised with Ellie Mae to ensure that the Initial Arm Disclosures complied with CFPB specifications. McCoy Zeitoune Group initiated the process of obtaining Fannie Mae/Freddie Mac Approvals.Conduct Staff Training  Provided instruction relative to fraud and loss prevention. Led team of personnel in analysis of third party software risk solutions including Core Logic Interthinx, Loanquest and EllieMae. Conducted underwriting training for both residential and commercial channels on potential loss and buy backs. Special emphasis placed on the defect rate of the loan origination process. Instructed group on theft resolution and credit restoration. Liaised With Investors Presented findings to investors. Addressed issues regarding existing loan pools relative to potential buy backs. Reviewed successful rapid loan loss resolution resulting in maintenance of asset value resulting in no charge offs or buy back; all loans sold to investors were performing.

 Directed team of underwriters and originators. Supervised loss prevention program on all aspects of lending business. Responsible for fraud prevention in loan origination, closing/funding and post-closing. Maintained broker and vendor relationships. Managed entire loan servicing portfolio ensuring timely payments. Facilitated solutions as needed including creative payment structures, workouts, loan restructuring assignment of rents and leases. These approaches resulted in rapid recovery and asset value retention. Responsible for outside counsel, broker and vendor approvals and relationship management. Liaised between Greystone, law enforcement agencies and fraud prevention departments of other financial institutions as required. Monitored industry trends.  Modified and revised existing policies and procedures to address evolving fraud attempts. Ensured banking operations, policies and procedures were in compliance with OFAC, OCC, OTS and KYC regulations. Responsible for initiating investigations regarding the Bank’s special assets portfolio.  Implemented and managed risk policy relative to Bank controls and the extension of credit. Made recommendations to senior Bank management.

 Reviewed Bank’s portfolio relative to industry fraud, prevention strategies, law enforcement and potential exposure issues.  Identified, implemented and modify fraud prevention and detection techniques and strategies. Managed fraud prevention and investigation activity for mortgage loans and banking activity.  Managed the review and approval of authorization strategies and resolution of related problems. Conducted investigations for compliance with organization and regulatory requirements to maximize fraud collection and recovery; submitted criminal referrals to appropriate internal departments and external agencies. Ensured timely and effective recovery activities.  Established fraud prevention system parameters.  Responsible for all office facility management.

 Supervised mortgage department including origination, collection and foreclosure activities. Responsible for data security and established policies and procedures. Implemented Disaster Recovery system and was designated to manage operations in the event of disaster. Implemented programs for white-collar crimes in the mortgage arena. Developed and taught fraud prevention courses for the bank. Interfaced with Office of Foreign Asset and Control in relation to bank’s policies and procedures. Created and implemented policies and procedures pursuant to the Patriot Act. Managed all office facilities.

 Conducted investigations regarding financial illegalities and improprieties perpetrated against the Bank by internal and external entities. Directed Bank’s procedures and policies related to Office of Foreign Asset and Control.  Developed policies and procedures pursuant to the USA Patriot Act. Managed all civil and criminal proceedings for Consumer Credit Division. Liaised with legal department on all aspects of litigation related to the Consumer Credit Division. Developed new charge-off system to more efficiently manage department tasks, oversee external collection agencies and attorneys and improve statistical reporting to upper management. Effected substantial reduction of losses through improved fraud monitoring, collection efforts and streamlining of department procedures to reduce costs. Primary liaison with Bank's law firms and collection agencies, authorized legal action on accounts, consulted on payment negotiations and adjusted bank policy and procedures accordingly. Conducted fraud training courses for various divisions of the bank.

 Supervised 14-member Detective Squad Responsible for setting defensive driver course for all aspects of the NYPD.  Supervised Borough of Queens Anti-Crime Unit. Instructor at NYPD Police Academy. Taught courses in Penal Law, Criminal Procedure, Investigations, Management and Community Crime Prevention.