As my resume details I am a results orient individual with over 20 years of experience in bank operations, lending and the bank regulatory sector. • While employed at Allonhill, as Due Diligence Analyst, reviewed 600 to 4000 page loan reviews per borrower utilizing dual monitors for compliance with local, state and federal laws of foreclosure process in numerous states to investigate all facts surrounding the foreclosure of borrower's' (conventional,conforming, non-conforming, VA, FNMA, FHA, GSE, jumbo, juniors loans). Participated in the banking crises as a post bank closure FDIC Contractor in Miami, Florida and Irvine, California through Mir Mitchell, LLC reviewing failed bank loan portfolios.• Reorganized the Division of Banking staff, and instituted management delegation process called “Team Concept” management delegation process.• Uncovered excessive UCCC Law violations related to companies practices of over charging fees to Colorado borrowers. Assessed appropriate monetary sanctions.• Demonstrated exceptional leadership through recommendations for correction of deficiencies noted in loan files and evaluated credit administration and loan underwriting practices.• As VP and Loan Asset Quality Review Officer in numerous local banks, I Focused specifically on the review of residential, construction, and commercial real estate loan portfolios. Loans were reviewed for compliance with the banks internal loan policies as well as state and federal bank lending laws and regulations. All loans review were graded using the federal bank regulatory CAMEL Rating system.Specialties: Corporate Leadership ~ Strategic Planning ~ Business Partnering ~ Portfolio ManagementForcasting ~ Root-Cause Analysis ~ Risk Management Ethics & Policy Enforcement Asset Protection ~ Federal & State Compliance ~ Auditing ~ Documentation ~ ReportingData & Records Management ~ Goal Setting ~ Performance Management ~ BenchmarkingCommunications ~ Negotiations ~ Consensus Building ~ Decision Making ~ Problem SolvingProject Management ~ Organizing & Analyzing ~ Asset Management
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Mortgage AnalystAllonhill Dec 2011 - PresentEast DenverAsses client based mortgage operations to determine compliance with foreclosure federal and state specidfic laws and regulations.
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Bond Fraud Investigator And Loan Review Analyst. /Fdic ContractorMir Mitchell, Lp (Mmc Group, Llp) An Approved Fdic Contractor Dec 2009 - Nov 2010Major duties summary as a Fraud Investigator consisted primarily of:•Reviewing banks operations and records to detect and report to FDIC Project Manager Financial Institution Fraud consisting of, but not limited to:1. External fraud, examples typically includes (a) Check Kiting, (b) False Loan Information, (c) Money Laundering.2.Insider Fraud, examples typically includes (a) officers, employees, or directors may be acting on their own or in collusion with others. Major duties summary as a LOAN REVIEW Analyst consisted primarily of:•Reviewing closed bank real estate loan portfolio to assess if lending practices violated regulatory lending guidelines, of the bank’s own lending policies, and if loans advanced was based prudent lending based on debtor’s cash flow and ability to repay thee debt.
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Vice President & Loan Review OfficerNew Frontier Bank; Sep 2007 - Apr 2009Branch Office-Longmont, CoMy primary duties consisted of reviewing/analyzing commercial loan portfolio quality and assessing compliance with established policies, regulatory laws and regulations and prudent loan underwriting guidelines with regards to FDIC Risk Management Guidelines as noted below. Tasks also, included evaluating internal Loan Underwriting and Credit Administration practices (i.e. terms and structure of loans, including length, interest rate, conveyances, and payment terms). Additionally, during the reviews, evaluated management’s compliance with applicable laws and regulations.• Prepared Monthly Board Reports of all Loans reviewed and submitted to the Asset Risk Management Department for presentation to the Board of Directors.• Documented in the report the findings and exceptions noted in each loan reviewed that was 30 days or more past due.• Risk rated (assign appropriate risk grade) each loan reviewed in conjunction with bank’s internal rating system and Inter- agency (FDIC, Comptroller’s and FRB) regulatory risk rating guidelines, based on borrower’s debt service /cash flow capability.• Reports prepared include loan deficiencies found in collateral and credit exceptions on each loan reviewed.• Made recommendations to Senior Management regarding the course of action necessary to cure or correct deficiencies noted in the loan files. ***
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Vice President, Loan Review OfficerNew Frontier Bank 2007 - 2009
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Vice President/Credit Review OfficerFirst United Bank, N.A. Apr 2006 - Jun 2007Englewood ColoradoMy primary duties consisted of reviewing/analyzing commercial loan portfolio quality and assessing compliance with established policies, regulatory guidelines connensurate with sound lending practices.•Documented findings and exceptions on all Bank loans; reported to BOD. Reviewed each loan 30 days or more past due.•Risk rated each loan in conjunction with bank’s internal and and federal regulatory risk rating guidelines.•Revised quarterly Allowance for Loss and Lease Loss reserve calculations procedures acceptable by federal regulators. •Prepared a study of various types of portfolio risks, collateral and credit exceptions.•Made recommendations to Senior Management and the Board of Directors regarding corrections or deficiencies noted in the loans reviewed. •Monitored and processed compliance requirements of OCC issued Regulatory Memorandum of Understanding and Consent Orders.
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Uccc Deputy Administrator/Supervising ExaminerColorado Office Of The Attorney General Sep 1994 - Sep 1998Colfax & Sherman-Denver, CoIn this position I functioned as the assistant to UCCC Administrator and responsible for the UCCC Regulatory Compliance Examination of the Colorado Consumer Lenders Program, which included Finance Companies, Mortgage Companies (2nd Mortgage Lending Activity only), and Colorado Payday Lenders.My primary Duties consisted of: •Approving and issuing lending licenses to the aforementioned consumer lenders.•Direct supervision of Financial Institutions Examiners who performed on-site financial examinations.•Performed Annual Performance Evaluations of financial institution examining staff. •Reviewed and remitted Financial Regulatory Reports to all institutions subject to examinations by my examining staff.•Assisted the Administrator in preparation Annual Operational Budget Forecasting.
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Chief Supervising ExaminerDivision Of Banking - Dates Of Service/Department Of Regulatory Agencies Aug 1981 - Aug 1994Colfax & Lincoln/Denver, CoPosition was responsible managing the Safety and Soundness Examination Program of State Chartered Commercial Banks, Industrial Banks and Credit Unions. Primary duties included, but were not limited to:•Directing Supervision of 28 Financial Institutions Examiners.•Supervised scheduling of bank examinations165 Banks 125 Industrial Banks and 65 Credit Unions.•Prepared Examiners job assignments.•Performed Annual Performance Evaluations of mid-level supervisors (Team Leaders). •Wrote Memorandum of Understanding for issuance to troubled State Chartered Banks. •Functioned as Senior State Representative on State Bank Closings/Failures; transferring banks to FDIC Receivership for further processing which included selling or liquidating the closed banks assets.
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Senior Field ExaminerDivision Of Banking - Dates Of Service/Department Of Regulatory Agencies Aug 1976 - Aug 1981Colfax And Lincoln-Denver, ColoradoPrior to being promoted to Chief Supervising Examiner, as a Safety and Soundness Senior Field Examiner my duties consisted of performing off-site and on-site examinations of commercial and real estate loans to assess portfolio risks, assessing and monitoring compliance with Federal and State banking laws and regulations. The effectiveness of banks overall operations were assessed, and the appropriate Composite CAMEL Ratings were assigned. In this position I was responsible for conducting exit meetings with the banks Senior Management and Board of Directors, and preparing the Report of Examination findings.
Jd Chatman Education Details
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University Of Oklahoma-School Of Continuing EducationB+ -
Cu-Boulder/Graduate School Of Banking Of ColoradoB+
Frequently Asked Questions about Jd Chatman
What company does Jd Chatman work for?
Jd Chatman works for Allonhill
What is Jd Chatman's role at the current company?
Jd Chatman's current role is Mortgage Analyst at Allonhill.
What schools did Jd Chatman attend?
Jd Chatman attended University Of Nebraska-Lincoln, University Of Oklahoma-School Of Continuing Education, Cu-Boulder/graduate School Of Banking Of Colorado.
Who are Jd Chatman's colleagues?
Jd Chatman's colleagues are Carole Gascon, Jaci Adams, Tawnya Bragg, Rachel Morgan, Sara Faust, Christopher Otte, Hàythàm Ànoune.
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