Responsible for managing a team of 7-10 and leading operation and production oversight for departments in Auto, which include Underwriting, Disbursement/Funding, and Relationship (Dealer) Management. Review methodology and sampling criteria for each review to ensure accurate scripts and samples and oversee regular updates to desktop procedures. Ensure analysts are trained on reviews, follow policies and procedures, and write clear and accurate findings. Manage review schedule to meet established service level agreements and inspect review results to meet accuracy requirements. Partnered with Business Review Process team to deliver results to business units and with Reporting team to identify trends when results fall outside of tolerance. Submit recommendations to Program Office to revise test scripts when policies and procedures are updated and work with department liaison on internal and external reviews to support validation of results and completion of corrective actions. Key Accomplishments• Increased accuracy measurement to 99.93% in 1Q2022, which exceeded standard of 98%• Met newly established service level agreement to ensure reviews are completed within required timeframe• Participated in partnership prep calls to provide details/root cause analysis on attributes that fell below thresholds• Partnered with Program Office and Auto Control in build of new reviews and ongoing maintenance of existing reviews• Cleared regulatory requirements through expanded reporting of results and validation of sustained improvement• Provided walk-through of reviews to internal audit teams to demonstrate execution of the review and to confirm accuracy of results

Responsible for managing a staff of 14 and directing all quality control functions within Consumer Lending, which include Portfolio and Conforming residential loans, Home Equity Lines of Credit, and unsecured personal lines of credit. Maintain policies and procedures and sampling requirements to ensure statistically valid samples. Ensure audits are performed in accordance with established guidelines, Agency requirements, and bank requirements. Responsible for the monthly reporting of audit results and trends to senior management and the three operation sites, and hosted monthly calls with underwriting and processing managers and supervisors to discuss trends and recommendations for improvements. Responsible for developing and maintaining the Portfolio and Conforming Quality Control Plans and Procedures. Created governance and oversight and reporting functions for bulk purchase transactions, provided quarterly reporting on Modifications and Subordination reviews and monthly reporting on declined requests, early payment defaults, and foreclosures.Key Accomplishments• Created Quality Control reporting and trending for Portfolio loans• Portfolio Defect Rate improved from 1.47% in 2013 to 0.73% in 2014• Conforming Gross Defect Rate improved from 8.70% (2013) to 3.30% (2014); Conforming Net Defect Rate improved from 1.46% (2013) to 0.89% (2014)• Provided underwriting the opportunity to respond to all findings prior to publication of reporting, and worked with Operation managers to develop action plans to drive improvement• Monthly audits and reporting completed within 60 days of sampling• Provided oversight of vendor due diligence on bulk purchase transactions that resulted in the purchase of over $937 million in loans in 2014• OCC rated the Quality Control process as “Strong”

Responsible for managing a staff of 11 to perform post-funding quality control audits of non-conforming mortgages from Wholesale, Retail, Home Loan Direct, and Correspondent channels. Provided monthly reporting for all channels to measure manufacturing quality and identify trends and hosted monthly calls with Operation Sites to review results and discuss recommendations for improvement. Performed on-site visits to meet with operation managers, underwriting supervisors and underwriters to discuss trends and provide training based on audit results. Leveraged audit results to collaborate with Credit Policy to provide guidance in expansion of guidelines and refinement of policies and practices and with Operations to provide case studies for bank training programs.Key Accomplishments:• Re-designed department to meet industry best practices by introducing statistical and targeted sampling• Developed monthly reporting to identify trends and high risk factors affecting performance• Managed due diligence process for bulk purchase/correspondent activities of non-conforming loans to ensure credit quality

Mortgage Lending Division; Region Manager. Managed staff of 25 in the underwriting, processing and closing of mortgage loans. Responsible for serving retail branch network in San Diego, Riverside and San Bernardino counties. Statewide leader in customer satisfaction surveys and turn-around time.

Credit authority to underwrite and approve conforming and jumbo mortgage loans with designated MI approval. Analysis of personal, corporate and partnership tax returns. Lead underwriter/credit officer for Private Banking and Mortgage Banking Officer programs.