Review residential appraisal reports provided by Chase and/or Chase third party suppliers to ensure the collateral meets Chase and investor requirements. In addition, communicate the decision (approval, suspense, denial) to the appropriate individuals within the firm while upholding fair lending practices of JPMorgan Chase Mortgage. Responsible for productivity targets, and will ensure quality and customer satisfaction.Responsible to consider the output of various automated underwriting tools together with appraisal report content to determine if the report meets Chase requirements. Decisions must be conducted within required timeframes and in conformance with Chase policy and regulatory requirements. Work performed includes requesting report revisions through Chase staff appraisers and/or Chase third party suppliers (AMC’s), providing general assistance to internal partners, and communicating appraisal decisions (approval, denial, suspense) to appropriate individuals within JPMorgan Chase

JPM Chase

Hired to manage the transition of all residential mortgage lending functions: loan processing, closing, funding, servicing, and post-closing, from DB headquarters in New York to Jacksonville, FL, in a compressed time frame.• Proactively identify legacy policies and practices which are not compliant with current regulatory requirements or industry standards.• Lead working groups to reach consensus on changes to policy and procedure, and various system enhancements needed to ensure all residential mortgage lending regulatory requirements are met. Audit Finding and Gap Analyses• Responsible for developing, implementing and documenting processes necessary to correct the finding . Write business alerts, KOP and Desk Top Guides for distribution to all teams or divisions impacted by the new process. Create appropriate language for inclusion in the official company Policy and Procedures guide.Recent Accomplishments:• Identified the need for the legacy LOS to function as the “System of Record” for residential mortgage lending. Worked with LOS system team to add screens, fields and logic required. • Successfully developed and documented an end-to-end process to remediate a high-risk audit finding to capture, record and reconcile loans which had been modified. • TRID Remediation Project: Reviewed 60 loans subject to TRID with remediation recommended by outside counsel. Developed a spreadsheet, with an appendix of applicable CFPB rules and guidance, which provided Senior Management with multiple data driven decision points of the various methods of calculating remediation for each loan.Vendor Management• Facilitate and lead working groups comprised of legal teams from DB and the Vendor to accelerate a mutually agreeable resolution o Act as a resource for the DB legal team with mortgage lending industry specific policies, practices and regulatory requirementsHMDA, Reg B, H, X, Z

Responsible and accountable for all aspects of the mortgage loan operations including initial disclosures, adverse action, underwriting, loan processing/account management, funding and shipping. Perform all duties in accordance with company policies and procedures and all state and federal regulations. • Collaborate with Regional Field Management, Credit Policy, Product Development and other areas of the company to create innovative ideas for loan products and sales strategies.• Accountable for all compliance regulations and audit findings.• Focus on developing processes and controls within all areas of operations to ensure maximum efficiency and execution as well as superb customer service.• Achievement of all production goals through monitoring and evaluation.• Responsible for P&L of Operations Centers, maintaining target cost per loan, loans per employee and expense forecasting.• Ensure a sound control environment and adherence to loan quality and compliance controls.• Accountable for contingency planning and testing.• Accountable for talent management activities such as recruiting and retention of top talent, performance objective setting, communication and evaluation, development plans and training, coaching and performance feedback and employee satisfaction.• Excellent working knowledge of mortgage originations; specifically mortgage loan fulfillment• Proven ability to lead, coach, and mentor at all position levels• Proven ability to manage large scale production operation• Comprehensive knowledge of Federal and State regulatory policies and procedures• Knowledge of FNMA, FHLMC and Government guidelines• Excellent written and verbal communication skills• Excellent organizational skills• Excellent problem solving and analytical skills critical• Strong interpersonal skills; the ability to effectively interact with various styles and levels of management and be able to adjust own communication style as needed

• Comprehensive knowledge of Federal and State regulatory policies and procedures• In- depth knowledge of FNMA, FHLMC and Government guidelines• Excellent written and verbal communication skills• Excellent organizational skills• Excellent problem solving and critical analytical skills• Strong interpersonal skills; the ability to effectively interact with various styles and levels of management and be able to adjust own communication style as needed• Strong PC skills, including Excel, Word, PowerPoint • Ability to consistently maintain high performance level in stressful situations• Ability to understand complex problems and to collaborate and explore alternative solutions• Ability to make decisions that have significant impact on the department’s credibility, operations, and services• Ability to organize and prioritize work schedules of others on a short and long term basis• Ability to compose letters, outlines, memoranda, and complex reports and/or to orally communicate technical information

Promoted to VP Operations Manager for the Denver Mortgage Operation Site. Managed site while quadrupling in size and production. Over 170 employees. Responsible for managing the processing and closing of over 1,300 loans per month, with an emphasis on cycle time, quality and customer service.Responsible for managing teams of employees that process, close and fund mortgage home loans (purchases, refinances, and home equities). Specifically, responsible for delivering on the following key metrics: meeting productivity standards, meeting cycle time from when docs enter the center to when docs are delivered for closings, ensuring that customer service is in the top percentile, meeting process quality standards (e.g. quality assurance standards, output quality, audits..etc). In addition, responsible to ensure adherence to all state and federal compliance procedures, implement key corporate initiatives, work with Division, Regional and Sales Management to continue to improve service levels and streamline processes for our customers and LO’s. Also handle exception items, resolve complex issues, coordinate and oversee departmental projects, document and introduce new procedures to staff at all levels. Recommend and implement specific procedures to ensure maximum effectiveness and efficiency of services; establish operational policies, assist in long-term strategic planning for the fulfillment site, and responsible for recruiting, coaching and training the operations staff.