Josh Schmidt Email & Phone Number

Plano, Texas, United States

• Managed a high-performance team leveraging analytics, loan volume/performance reporting to ensure pricing exceptions & margin risk management are in compliance while maintaining a $3.5 billion monthly quota• Drive quarterly reviews with leadership to monitor key business metrics, own performance scorecards, oversee credit risks and run loss deep dives• Performed capacity and staff planning to ensure expected production and service levels are met• Operate risk management controls to ensure compliance with federal and state regulations • Created performance/compliance trend reporting, capacity forecasting, and margin analysis using advanced analytics/modeling production reporting.• Oversee coordination with multiple divisions to ensure consistent and proper execution of the PNMAC mortgage fulfillment model

Irving, Texas, United States

Director of servicing vendor management, business modeling and forecast for staffing needs, development of business control strategies, reporting development, leading change control, and leading regulatory and investor audit responseso Led the management of 1.8 million first mortgage servicing of US Bank o Led the daily administration and coordination of all escrowed mortgage loan servicing and/or operational functions utilizing tools such as Black Knight and SQL, o Established and administered policies and procedures to ensure compliance with various regulatory, investor, government and corporate requirementso Hired, approved training curriculum, motivated associates, and directed the activities of loan servicing or operational personnel to ensure procedures are properly and efficiently carried outo Led budget planning, developed servicing strategies, implemented regulatory changes and controls assigned

Dallas/Fort Worth Area

• Managed a high-performance team leveraging analytics, loan volume/performance reporting to ensure pricing exceptions & margin risk management are in compliance while maintaining a $150 million monthly quota• Deliver weekly multifaceted analyses for executives and vice presidents based on prioritization; including churn forecasting• Produced performance/compliance trend reporting, capacity forecasting, and margin analysis using advanced analytics/modeling production reporting.• Objectively communicated complex risk minimization initiatives and performance tracking analytics to various audiences (internal audit, LOB leaders, and senior management).• Developed dynamic Divisional/Regional Dashboards that allowed comparing/ trending of market, organizational, and product performance against competitor activity• Evaluated the impact to business using sophisticated analytical approaches to address the high uncertainty due to the change complexity and socialized the initiative with key stakeholders and secured approval• Drive quarterly reviews with leadership to monitor key business metrics, own performance scorecards, oversee credit risks and run loss deep dives

Dallas/Fort Worth Area

(Previously Pacific Union Financial)• Selected by executive management to be founding member of an elite business development team tasked to integrate all customer internal systems by troubling, training, and optimizing use of customer interfaces.• Develop and support the reporting needs for the department, including compiling / consolidating and analyzing the results from daily weekly and monthly team performance.• Provide communication within the organization to senior executives using various dashboards, and involved in supporting customer/business needs around user administration, communicating system behaviors, reporting, performance, monitoring, testing, support incoming bugs & defects as well as assist project managers with change requests, small enhancements and contribute to any incoming project initiatives.• System expert to assist sales partners in getting a successful loan submitted. • On-Site support service of our Retail Channel partners for all IT systems

Dallas/Fort Worth Area

(Previously Pacific Union Financial) • Support short and long term operational / strategic business activities through analysis, review, forecasting, and trending complex data.• Triage process management, issue vetting, determination of priority, data analyzing. Collaborate with business support, Information Management, Product Development, and functioning business partners to conduct opportunities for improvement. • Develop monthly reporting on audit efforts and findings including monitoring of actionable items and resolution.• Prepare documentation for internal stakeholders. Lead in projects to improve operations efficiency.• Application, Regression QA testing. Test plan, test case creating and execution. Defect management in UAT and QA-Manual and automated software testing.• Provide technical expertise to support systems integration with LOS system.• Serves as business support by monitoring oversight of team phone queue; answering inquiries; resolving problems; maintaining knowledge base

Dallas/Fort Worth Area

• Resolve lender inquiries and issues in a prompt and professional manner and reconcile the discrepancies and deficiencies while providing excellent customer service. • Customer retention liaison between Brokers and Wholesale Operations teams with focus on communication and acceptable service levels.

Dallas/Fort Worth Area

• Mentored and developed operational performance of a team of 8 specialists consistently ranked at the top of quarterly production reports to ensure alignment with corporate goals of $3 Billion in loan funding per quarter. • Relationship development expertise that complements the ability to consult with clients to delineate and analyze loan purchase situations while developing strategic solutions• Attained and bolstered business for Region comprised of 3 Regional Account Managers and numerous independent lenders over an 11-state territory.

Dallas/Fort Worth Area

• Responsible for comprehensive mortgage loan review and evaluating product with regards to Investor guidelines to minimize risk or loss to prevent any non-salable loans to investors, focusing on government selling guides, Regulation Z, RESPA, and MDIA, DU/LP guide, credit quality, income requirements and secondary market standards. • Consistently ranked in top 7 of 44 Auditors for funding and managing loans contributing to the company purchasing $3.5 Billion in loan volume quarterly. • Sustained knowledge of Fannie Mae/Freddie Mac, Conventional, FHA, VA, and USDA Guidelines.

Dallas/Fort Worth Area

• Responsible for performing risk analysis and making recommendations regarding deficiencies identified during the review process. • Processed paperwork, verified loan information per company and investor guidelines while juggling the task of creating and maintaining quality control and volume standards.