Lance Smith Email & Phone Number

Auburn Hills, Mi

Manage Mortgage Lending Sales, Secondary Marketing, and Product Management for First Mortgage and Home Equity Lending. • Doubled the previous years record mortgage volume in my first full calendar year with the credit union (2019).• Implemented branch focused and outbound sales culture and expectations. • Implemented and run highly successful Secondary Market Loan sales function.

Ann Arbor, Michigan

Managed Mortgage Product Development, Pricing and Investor Relations, and Systems Administration. Started with the organization as a consultant and documented all mortgage processes and procedures. Assisted in the management of the overall mortgage operation.• Worked as Encompass Administrator – developing several new system integrations, product modifications, process enhancements, and new products.• Developed complete mortgage lending procedures, covering from application to investor delivery, where none existed before, while identifying numerous ways to enhance efficiency and effectiveness of processes.• Created and Implemented Veteran’s Affairs (VA) loans• Managed Investor relations, pricing, and loan sales.

Founder and Managing Principal of Spring Ahead Consulting, LLC, which specialized in process optimization, risk management and controls, business strategy, cost reduction, and systems enhancement. Primary focus in Mortgage, Consumer and Small Business lending. Key engagements with:• Bank of Ann Arbor - Mortgage Operations, helped develop sustainable business strategy. Aligned product, processes, systems, policies and procedures.• NBS Commercial Interiors – Developed Lean Six Sigma program and performed initial training for team leaders.• CBA & Blue Water• H2O Solutions• Private Bank (now CIBC)

Troy, Michigan

Head of the Consumer and Home Equity (HE) businesses for the bank. This responsibility includes: loan processing, underwriting, product and portfolio management, collections, credit policy, credit guidelines, pricing, marketing, internal and regulatory compliance.

Responsible for operational strategies, process controls across the entire operation, underwriting and contract processing policies and procedures, state and federal regulatory compliance, and process improvement related to consumer auto loan originations. Also, manage Quality Control operations in 9 regional business centers in the U.S. and Canada.

Responsible for North American consumer automotive risk strategy and analytics. Also, responsible for global consumer and commercial risk management committee materials and analysis.

Responsible for the transition of all consumer risk activities from LaSalle Bank into Bank of America. Home Equity Risk Executive for the Countrywide equity portfolio, origination activities, and transtion to Bank of America.

Responsible for all Consumer Risk Management activities for ABN AMRO North America, with over 50 professionals in the following functional areas: Mortgage Risk Management, Consumer Lending Risk Management, Small and Medium Enterprise Risk Management, Appraisal, Retail Lending Quality Control, Portfolio Management, Program Lending and Strategy, Loan Review, and Credit Policy.

Responsible for managing risk associated with first mortgage lending activities and the bank’s mortgage portfolios in North America. Responsibility included oversight and management of $18 Billion in on-balance sheet loan exposure and $224 Billion in off-balance sheet mortgage servicing portfolio.

Managed a team including: Mortgage Operations Manager, Home Lending Center (HLC) Operations Manager, Sr. Financial Analyst, Product Manager, and Project Management Supervisor. Responsible for all bank retail mortgage development related activities including: portfolio management, product development and maintenance, systems enhancements, regulatory compliance, product documentation, training and marketing materials, HLC operations management and sales development.

Mba, Management, Accounting

Bachelor Or Administration, Finance