Martin Kelleher Email & Phone Number

Weston, Florida, United States

Weston, Florida, United States

Serve as a senior contact actively engaged with Internal Audit (IA) and Auditees (e.g., Program owners, Compliance Plan Milestone owners, Regulatory Remediation, etc.) to manage Compliance audits throughout the audit lifecycle. Build and maintain strong influential partnerships with IA, SMEs, and Auditees. Interpret requests from Internal Audit, challenging scope, and clarity, as needed, and engage SMEs as necessary to assist with responses. Develop, oversee, and provide independent credible challenges to standards and documentation with subject matter expertise. Maintain an understanding of the Wells Fargo Risk Management framework and The Compliance Program Policy and the interconnectivity of its key components. Make decisions and resolve issues to meet business objectives. Interpret policies, procedures, and compliance requirements, while utilizing excellent critical thinking and problem-solving skills.

Weston, Florida, United States

Weston, Florida, United States

Oversee alignment of mortgage loan procedures with company/client guidelines and policies by performing quality control and in-depth audit review of all loans, including credit analysis, appraisal valuation, title record review, and credit risk assessment. Conducted one-on-one sessions and online reviews of workload to manage the training of junior underwriters and analysts. Ensured compliance with lenders and GSE (Government Sponsored Enterprise) guidelines for each project and portfolio.● Analyzed and improved low industry securitization scoring based on agency scoring models by steering efforts on complicated reporting projects.● Contributed to timely processing of Jumbo and Super Jumbo non-agency residential mortgage loans for a $35 billion client by managing and directing high-performance team of 18 residential underwriters.● Enabled smooth transition from loan process initiation to the final reports and data used for client ASF (American Securitization Forum) reporting by revamping prevailing process in response to operational procedure findings.

Frisco, Texas, United States

Responsible for underwriting residential loans ensuring compliance with corporate and secondary market investor standards. Maintaining a high level of Quality Control within each mortgage portfolio based on client and GSE standards. Underwriter is responsible for examining loan documentation for accuracy and completeness, rendering decisions and subsequent clearing of conditions to ensure credit guidelines are met.

Weston, Florida

Defined, edited, or removed information by running embedded rules and logic. Facilitated approval of loan documentation by clearing validations. Evaluated mortgage portfolios comprised of FNMA, FHLMC, GNMA, FHA/VA mortgages as well as private investor loans and commercial loan portfolios by leveraging strong expertise in many areas and levels of mortgage lending. Drove on time completion of routine tasks within agreed timeframe, while spearheading multiple assigned loan portfolio projects.● Provided useful insight for document imaging solution project.● Improved turn time on most client projects by lowering decision times by 50%.● Accomplished QC scores of 90-95% on 9 out every 10 files by leveraging deep understanding of system and processes.● Actively engaged in 3-month Payment Protection Program project for Bank of America.● Ensured timely data/information capture within a Situs/AMC system and other designated area by uncovering proper documentation.

Miramar, Florida

Administered entire consumer loan business line for the bank by leading and directing high-performance team of four associates. Streamlined overall loan approval procedures by overseeing underwriting, processing, and closing process.Administered end-to-end aspects of loan process between banks underwriting/processing and compliance teams. Facilitated loan, executive, and director committee discussions by preparing presentation and underwriting packages.● Optimized the loan processes by collaborating with third party originator.● Owned control over management of consumer loan operations for $900M community bank.● Steered management of the bank's new initiative for Timeshare Lending as well as the Bank's newly started third party wholesale medical professional consumer loan program.● Played an integral role as key member on computer system project meeting and reviewing request for proposals from multiple IT/IS companies.

Sunrise, Florida

Directed and guided multi-faceted team of 10 full-time individuals and 25+ contract workers to resolve queries associated with residential lending by adhering to FNMA, FHLMC, FHA, VA, AUS (Automated Underwriting System), RESPA, HMDA, FCRA and all Federal Truth-In Lending regulations. Enabled delivery of completed project within agreed timeframe by coordinating with IT professionals. Oversaw entire lending processes, QC scope of each project.● Enriched client’s retention by meeting all project and client production deadlines.● Developed a sample document image "tree" to get reviewed the submitted documents by analysts and underwriters.

Sunrise, Florida

Utilizing my extensive background in many phases and levels of mortgage lending, I am responsible for analyzing mortgage portfolios provided from FNMA, FHLMC and GNMA, as well as other legal resources. • Review and analysis is performed via computer desktop with images of mortgage portfolio loans and required loan guidelines. • Strength of overall mortgage knowledge, which includes all Federal and State regulatory guidelines, is required along with working on mortgage computer system to manage expected turn time production.

Managed team of 30+ colleagues that processed for credit and underwriting analysis over 2,500 consumer loan applications per month. Operations of department included underwriting and credit analysis, loan processing and loan closing & documentation. Worked closely with sales colleagues to close high percentage of approved loans. Bank closed over $872M of consumer loans in two years (2005 & 2006) that represented 15.85% of Bank’s assets.By creating new loan process through introduction of re-engineering program eliminated use of paper in most processes while introducing universal work queue that led to improved turnaround times of up to 75%. Through process reengineering also realized a 25% reduction in manpower hours that equated to annualized savings to overall budget expense.Initiated new mortgage fraud tracking program which recovered and saved potential mortgage fraud in excess of $500K.100% approval rating on all internal and external audits, including Federal Regulatory audits.

Supervised department production goals and staff of 8. Worked to create successful relationship with Bank Senior Management as well as meeting Bank required SLA's (Service Level Agreement's) for Consumer Lending Line of Business. Managed production goals per year of $45-$50 million.

Analyzed and evaluated within underwriting and credit policy standards, all consumer loan requests, such as Home Equity Loans / HELOC's, Auto loans, Boat loans, Unsecured Loans & lines of Credit and CD secured loans (as well as motorcycle, RV and mobile/manufactured home loans). Annual production of $10 Million.

Bachelor Of Arts - Ba, Economics, 3.0

Activities and Societies: South Florida Banking Professionals GroupEconomics and Banking

Associates, Business Administration And Management, General

Activities and Societies: Sigma Phi Epsilon Fraternity, President and Vice-PresidentTrack & Field team

High School Diploma, General Academic Studies

Activities and Societies: Fellowship of Christian Athletes, football, track and basketball.General high school curriculum