John Tomko Email & Phone Number

Greater Atlanta Area

At Experian we provide our clients with world class software, big data analytics and advanced modeling solutions. My role as a Senior Business Consultant leverages my 30+ years of experience in financial services to help our clients determine how to best apply Experian's solutions to improve their business. Recent engagements include:- Developing strategies for implementing the changes required to meet FASB's Current Estimate of Credit Losses (CECL).- Community Reinvestment… Show more At Experian we provide our clients with world class software, big data analytics and advanced modeling solutions. My role as a Senior Business Consultant leverages my 30+ years of experience in financial services to help our clients determine how to best apply Experian's solutions to improve their business. Recent engagements include:- Developing strategies for implementing the changes required to meet FASB's Current Estimate of Credit Losses (CECL).- Community Reinvestment Act compliance analyses with recommendations for improvement.- Discovering and documenting specific steps a multi-national bank could take to double their personal loan business without increasing their risk. This was accomplished by analyzing portfolio performance and assessing various credit attributes for their predictive value using advanced statistical modeling techniques.- Working with a large sub-prime auto lender to determine how their policies and guidelines could be changed and successfully implemented by Experian's advanced decisioning engine, PowerCurve. Analyzed data on hundreds of thousands of past applications, identifying applicants who performed well after being declined but booked elsewhere and relating the declination reasons to specific characteristics increasing pull through rates and profitability- Measuring credit risk related to HELOC end-of-draw periods and helping clients implement compliant risk mitigation strategies - Strategy design incorporating credit attributes, triggers and custom scorecardsWith a background that spans both business and IT, I can articulate both the business and technical ROI resulting from implementing Experian's solutions.Responsibilities:Support the sales process by leveraging experience and business insight along with analytical expertise to help our clients understand the value Experian provides through client presentations, ROI development and assisting clients with improving bottom-line performance. Show less

Atlanta, Ga

Senior Executive responsible for running the Real Estate Tax Service division and managing its P&L. I was also responsible for the development and maintenance of QBE's proprietary software and database, which contained extensive information regarding approximately 135 million properties. The business had ~180 employees in two locations - Atlanta and Raleigh. My role required frequent and effective interaction with existing clients including Business Reviews, contract negotiations, devising… Show more Senior Executive responsible for running the Real Estate Tax Service division and managing its P&L. I was also responsible for the development and maintenance of QBE's proprietary software and database, which contained extensive information regarding approximately 135 million properties. The business had ~180 employees in two locations - Atlanta and Raleigh. My role required frequent and effective interaction with existing clients including Business Reviews, contract negotiations, devising new solutions and problem resolution. I was also fully engaged in the sales process with new prospects, including making sales presentations, pricing, contracts and relationship management. My job required extensive travel. The business tracked tax payment status for non-escrowed borrowers, paid taxes for escrowed borrowers and provided other tax-related solutions for mortgage servicers including mega-banks, specialty servicers, community banks and credit unions. Show less

Plano, Tx

I was responsible for defining and designing the functionality of an enterprise-wide loan origination system, iOriginate. This role required working closely with all levels of management to ensure the system met the needs of the various business lines. Managed a group of functional architects dedicated to the project. The project took nearly 5 years to complete and the development took place both in the US and offshore. The most important aspect of the project was to enable loan officers to… Show more I was responsible for defining and designing the functionality of an enterprise-wide loan origination system, iOriginate. This role required working closely with all levels of management to ensure the system met the needs of the various business lines. Managed a group of functional architects dedicated to the project. The project took nearly 5 years to complete and the development took place both in the US and offshore. The most important aspect of the project was to enable loan officers to successfully use the system with little training. Show less

Tysons Corner, Va

Using my expertise with automated underwriting systems, I defined requirements for a major data warehousing project; coordinated and managed the efforts of programmers, database architects and analysts. The outcome of this engagement was an understanding of what was important, how it was used and what needed to be accessible. Most importantly, the agreement of a diverse set of stakeholders was required.

Calgary, Canada Area

Managed technology infrastructure, application development and implementation and department budget.

Walnut Creek, Ca

I was one of the pioneers in internet-based lending. I coded the first version of the mortgage.com website at a time when few people thought consumers would ever accept on-line lending. I designed the underlying databases and structures. Most importantly, I created many of the design metaphors that seem so obvious now as the internet has matured. As we grew, I managed the design, development and testing of all internet systems; managed relationships with private label and outsource clients;… Show more I was one of the pioneers in internet-based lending. I coded the first version of the mortgage.com website at a time when few people thought consumers would ever accept on-line lending. I designed the underlying databases and structures. Most importantly, I created many of the design metaphors that seem so obvious now as the internet has matured. As we grew, I managed the design, development and testing of all internet systems; managed relationships with private label and outsource clients; envisioned and implemented advanced, creative business opportunities. I played an important role in our IPO and raised venture capital.Unfortunately the company was caught in the dotcom undertow that took so many companies down. But at the end, the website had morphed into a complete lending platform able to perform risk-based pricing, pull credit reports, create printable disclosures and instantly underwrite first mortgage loans using Fannie Mae's automated underwriting engine. The job required energy, creativity, vision and determination. Show less

San Francisco Bay Area

Managed mortgage branch sales and operations; managed branch P&L. In this role I was tasked with defining and implementing creative solutions to be successful in a very difficult and unique territory - San Francisco. The result was a 50% increase in loan volume due to our aggressive push into the new, luxury condo marketing working with developers. The branch became the largest and most profitable branch in the company. Unfortunately, the company decided to exit the direct retail business… Show more Managed mortgage branch sales and operations; managed branch P&L. In this role I was tasked with defining and implementing creative solutions to be successful in a very difficult and unique territory - San Francisco. The result was a 50% increase in loan volume due to our aggressive push into the new, luxury condo marketing working with developers. The branch became the largest and most profitable branch in the company. Unfortunately, the company decided to exit the direct retail business because so many other branches were unprofitable. Show less

Managed mortgage branch sales and operations; managed branch P&L• Opened new sales office in Northern CA; exceeded revenue expectations within budget.• Developed and implemented unique workflow system reducing customer complaints by 90%.

Walnut Creek, Ca

Began my career with Citi as a loan officer and quickly moved into training based on my development of a complex (for the time) model of Adjustable Rate Mortgages, which were new at the time. Few people understood how they worked; the model explained it over the term of the loan. I was asked to teach other loan officers how to sell ARMs, which I did for 2 years. After my stint in training, I went back into the field as a branch manager. I took over an underperforming branch in San… Show more Began my career with Citi as a loan officer and quickly moved into training based on my development of a complex (for the time) model of Adjustable Rate Mortgages, which were new at the time. Few people understood how they worked; the model explained it over the term of the loan. I was asked to teach other loan officers how to sell ARMs, which I did for 2 years. After my stint in training, I went back into the field as a branch manager. I took over an underperforming branch in San Mateo and built it back up into a high-performing operation. I was then asked to open a new branch in Walnut Creek, California. That branch moved Citi into the top market share in Contra Costa County, from nearly zero, in just two years.I was the first four-time winner of the nationwide President's Club based on performance against goal.Managed branch P&L and recruited top salespeople. Show less

Education record

Bachelor Of Arts (B.A.), Cum Laude