(Note: Company sold/Mortgage Unit Dissolved)Directed activities and oversaw the performance of the mortgage underwriting division including driving process improvements, establishing KPIs, monitoring quality, hiring, staff development, and managing P&L budgetary performance. Lending authority of $4.0MM. • Reduced average cycle time from 50+ days to 40 days • Managed initial decision turn-times at 90% within 24 hours and 95% within 48 hours • Implemented manual and systemic controls that reduced the QA and QC defect rates from over 10% to below benchmark at 2%• In response to Material defects, conducted reviews to determine root cause and appropriate preventative controls• Introduced Quality Matrix leading to consistent performance management • Achieved Satisfactory rating on all internal and external audits• Coached and mentored processors and managers to gain limited lending authority • Moved key resources from Conforming to Wholesale Portfolio to pre underwrite files increasing productivity resulting in record fundings• Provided leadership, coaching, mentoring and development of high performing managers• Managed P&L within department budget • Drove accountability for production, quality and customer experience• Took proactive steps to mitigate losses

Responsible for achieving quality and production metrics for department consisting of up to 120 underwriters and 12 managers. • Improved quality by incorporating Loan Quality Loan Review meetings increasing awareness, root cause analysis, and implementing effective action plans improving QA error rates to acceptable level • Built a cohesive team within Chase Consumer Direct that consistently exceeded production goal of 8 files per day pre underwrite, quality goal of 3.0% or better while maintaining turn-times of 24- 48 hours • Led Mortgage Banking College Program by assigning mentors and developing a structured program allowing all to gain lending authority within 90 days • Managed the pilot for implementation of new Loan Originations System• Directed the National Operations Initiative team responsible for risk identification, assessment, mitigation, operational controls and process improvement that significantly reduced defects • Built, managed and maintained the Risk Control Self-Assessment tool • Facilitated the Risk and Control Self-Assessment process• Managed policy/procedure review to ensure timely implementation of new and existing policies• Analyzed external compliance and credit quality reviews for the channel, implementing action plans for areas in which defect rates exceeded tolerance levels • Facilitated multiple quality reviews and projects focused on improving quality