Ambit Optimist is a complete credit risk management solution. As a Senior Consultant for FIS’s Professional Services team, I consult both on-site and virtually with Senior Management teams. I help facilitate the implementation of Optimist software by understanding the client’s existing operations and incorporating their requirements into Optimist. Strong collaboration & communication skills across development, technology and business teams is required to implement a complete solution. Assist clients with process changes or operational efficiencies by incorporating industry best practices, training and providing subject matter expertise to help guide implementation decisions that will satisfy the client and meet expected delivery dates.

Managed Mortgage Quality Control & Compliance Review projects among 50+ clients (banks, credit unions & mortgage lenders). Re-built MQC team focusing on resources, processes & technology thereby increasing operational efficiency, reducing cost and increasing profit margin by 55%. Provided SME support on mortgage requirements, regulatory compliance and seller guidelines for FHA, FNMA, FHLMC, USDA & VA programs. Improved client satisfaction, SLAs & KPI benchmarks by 75%. Created & delivered various industry related webinars and training programs. Assisted sales teams with business pursuits providing mortgage expertise, go-to-market strategies & delivered presentations.

Managed the development and delivery of 3-financial software applications focused on loan credit review, portfolio risk management & exception tracking utilized among the top regional banking organizations. Provided support and communicated business requirements to a team of in-house, contracted and oversees developers, business analysis & quality assurance members. Project management within an agile framework achieving 97% user acceptance rates with each product release. Created and delivered various webinars & user conference presentations focusing on business value of the DiCom products. Enhanced software reporting & data analytics. Assisted with business strategy and sales pursuits.

Managed mortgage fulfillment origination of processing, underwriting, closing & quality control services for a top 10 regional bank’s FHA HARP program. Led a team of 145-members focusing on performance levels, capacity, regulatory compliance, procedures, customer service, quality & exceeding various SLA \ KPI requirements. Executed turnaround management with changes in resources, processes & technology thereby increasing efficiency, reducing cost & exceeding production requirements month-over-month. Reduce escalations from 175-calls to 0-calls within 2-months. Turned the account's "F" rating loan quality into an "A" rating. Rebuilt overall client relationship awarding the account a renewal contract.

Product Manager assisting in the design of portfolio risk management, exception tracking & financial spreading software. Increased the software’s functionality & design with portfolio risk management functions to identify, monitor & mitigate risk. Assist sales as SME on regulatory compliance, loan credit quality reviews, CRE, concentrations, ALLL and other loan portfolio risk management issues. Increased customer engagement and strengthened relationships. Responded to RFP, performed product demos & assisted with industry conference vendor attendance.

Managed operations of a 3-branch, local community bank within all areas of capital, assets, management, earnings, liquidity and risk using customer relationship building and team collaboration. Held various C-level positions in finance, credit, branch operations, BSA, CRA, compliance, auditing, loan administration, credit & servicing with an ending position of President & COO from 2010 through the mid-part of 2011. Assisted with business strategies, created policies & procedures and successfully executed Board established strategic goals. Maintained one of the lowest efficiency ratios within the industry and considered a high-performing bank over a 14-year period prior to the financial crisis. Provided overall consent order management & reporting. Reduced financial crisis losses in 2010 from $20-million to less than $1-million in 2011. Restructured management teams to accommodate changing economic environment from origination to remediation.

Analyzed bank safety & soundness and compliance with federal and state regulations. Examiner in charge of various State Charted Banks ranging in various asset size and CAMEL ratings. Presented findings to the Board of Directors and written final examination reports. Reviewed, analyzed and risk rated loans for credit quality, adherence to Bank policy and regulatory compliance. Provided training to junior examiners.