• Joined to offer strategic guidance and support operational needs for a startup hedge advisory in the mortgage industry.• Tasked with aiding clients in establishing key investor relationships, utilizing extensive industry knowledge and experience.• Leveraging proprietary mortgage hedging software to optimize financial strategies and secure favorable outcomes.• Actively contributing to the realization of the company’s mission and goals in a fast-paced and evolving environment.

• Founder and Principal Consultant at Bear Creek Consulting: Established and direct a consulting firm specializing in the mortgage industry, demonstrating entrepreneurial leadership and strategic expertise.• Strategic Auditing and Consulting: Conducted in-depth audits for community banks, assessing secondary marketing activities against industry benchmarks and providing actionable recommendations for improvement.• Operational Enhancement Expertise: Identified key opportunities for operational improvements, enhancing efficiency and compliance in client organizations.• Industry-Leading Insights: Leveraged extensive experience in capital markets to deliver high-impact advice, driving client success in the dynamic mortgage sector.

As the SVP of Capital Markets at Atlantic Coast Mortgage, I led a dynamic team handling $4 billion in annual production, demonstrating strong leadership and strategic thinking. I played an instrumental role in building a capital markets department from the ground up and implementing best-execution models, resulting in a 333% increase in production.In collaboration with Fannie Mae, I pioneered a loan sale framework that yielded over $400K in annual savings. I was instrumental in establishing and nurturing relationships with over 25 agency and portfolio investors, including Fannie Mae and Freddie Mac. My role involved successfully navigating an ever-evolving regulatory landscape and adapting to market conditions, providing a competitive edge to the company.I prioritized cultivating a positive and motivating workplace culture, and I was dedicated to employee development, coaching my team to inspire loyalty and peak performance. A significant accomplishment during my tenure was leading the transition to a servicing retention model, which involved a comprehensive review of MSR assumptions and a thorough audit of the retain/release best-execution model.My extensive experience in hedging and securitization, along with the ability to maintain productive relationships with various stakeholders, enabled me to contribute significantly to the success of Atlantic Coast Mortgage.

As the Vice President of Secondary Marketing, I played a pivotal role in shaping and implementing the credit union's mortgage sales and financial strategies. Key responsibilities included:• Overseeing the growth of the Secondary Marketing team from a single individual to a robust group of six employees, demonstrating strong leadership and team-building skills.• Managing retail and correspondent production totaling $4 billion, showcasing a high level of financial oversight and strategic planning.• Implementing tailored hedging and securitization strategies for Fannie Mae, Freddie Mac, and Ginnie Mae loans. This required a deep understanding of industry-specific software and models, as well as a keen eye for optimization.• Serving as a member of the Asset and Liability Committee and mortgage executive management teams, effectively communicating daily Secondary Marketing activities to all levels of the organization and contributing to strategic decision-making.• Designing and developing portfolio products to target specific market segments in alignment with company goals. This led to an increased market share, demonstrating innovative thinking and market acumen.Overall, this role demanded a blend of strategic thinking, team leadership, financial management, and resilience.

Managed and sold real estate owned by Lake Michigan Credit Union.