Manage multiple Loss Mitigation, Retention and Liquidation Teams.

Manage and mentor staff in the departments of Foreclosure, Property Preservation, REO, and Claims. Developed staff and procedures to ensure all Federal and State regulations are met and keeping within Compliance. Manage staff on a daily basis in all departments, ensuring all daily, weekly and monthly goals are met. Making sure all loss projections are evaluated and correct! Audit procedures for seamless accuracy in each department. Coach staff on progress, mentoring and motivating to reach all goals. Very hands on when developing procedures, improving processes where needed. Working with Sr Management with each Investor relation, reporting results and accuracy!

•Internal promotion, directly managing a diverse portfolio consisting of troubled credits downgraded to Substandard or below rating.•Each credit is to be analyzed and the determination is to be made whether there is viability left within the business loan or if the credit is a true exit strategy. •Review Financial Statements, Balance Sheets, Cash Flow Statements, Appraisals and Tax Returns. Determining the profitability of each credit. Once the financial situation has been analyzed, the determination was then made as to the longevity of the company or if moving forward with liquidation is probable. With the potential of longevity comes the restructuring of the credit on a short-term basis to allow time for the customer to seek financing outside of 5/3. • If this objective is unattainable, then the progress to liquidate or to litigate is inevitable. At that point working with attorneys through the legal process of repossession, securitization, and litigation will take place.• Protection of the banks assets is the primary focus while minimizing as little loss exposure as possible. • Expert in dealing with SBA, OCAP and USDA servicing of loans. • Complete monthly charge off/down and non-accrual projections. • Attend quarterly ALSR meetings with Sr Management and Affiliates to discuss problem accounts exceeding $500M in loss exposure, determining the possibilities of moving the credit to Non-Accrual then forecasting loss potentials.

•Directly supervising early and late stage Collection/Loss Mitigation staff with daily collection efforts, while maintaining employee engagement and customer retention.•Responsible for hiring and training of all new staff within the Early Risk/Loss Mitigation area. Encouraging staff daily to exceed collection goals set while enabling customers to retain their homes and avoiding foreclosure.• Ensuring accuracy when completing loss mitigation efforts in reviewing appraisals, preparing loan closing documents in performing modification efforts, all while providing excellent customer service. •Approving exceptions to closing, within servicer approval limits. •Maintaining the highest loan servicing certifications with Freddie Mac, FHA, VA, Fannie Mae and Bank Owned portfolios. •Reporting daily to affiliates, Sr. Management, and investors of servicing portfolio results/performance and goals achieved. •Providing daily coaching and feedback to staff of audits performed monthly on accounts collected or workout options provided, performed monthly phone monitors of each staff member, ensuring all Federal, State, and Bancorp policies and procedures have been met. •Directly handling HR related issues with staff. • Provided data to the Consumer Dialer daily, reconciling data integrity surrounding dialer and nightly feed within Bancorp servicing platforms. Held Leadership Certifications with Freddie Mac and FHA for the servicing of each portfolio, delegated to decision and train on Freddie Mac workouts.

•Managed entire collections portfolio for the entire Western region of the bank, directly reporting to the Sr. Vice President.• Managed collection staff, OREO portfolio, Retail credits, and Mortgage credits. Accountable for Collection Portfolio from 11th day of delinquency, until collateral was sold, and recovery was completed. •Handled all repossessions, retrieval of collateral (commercial or installment), and completing the sale of the property, providing bidding instructions for foreclosure sales. Continuing with the deficiency judgments, resulting in either liens, or garnishments. Resulting in recoveries in excess of $675,000 in charged off loans for the year of 2004. •Responsible for all bankruptcy proceedings, filing answers thru legal counsel, representing the bank at all meeting of creditors, and debtor examinations. Maintained all accounts through the bankruptcy terms, and process. •Handled Freddie Mac & SBA collection accounts. Adhered to all collection procedures required by state and federal laws. •Evaluate problem loans, decision credits for the best workout protecting the bank’s interest. Develop training patterns needed for Loan Originators. •Completed all delinquency reports, month-end reporting, charge-offs, non-accruals, & reporting to Senior Vice President and Board of Directors. • Developed and trained current management staff on Silverlake Systems, (collection system). Reviewed and trained management staff on collection policies and procedures, adhering to all Federal, and State Collection Laws.