Matthew J. Makhail Email & Phone Number

Los Angeles, Ca, Us

San Francisco, Ca

• Facilitated in the collection of single family and commercial asset level data from various acquiring institutions of which have purchased in excess of $210 billion dollars in assets from failed institutions and have entered into Risk Sharing agreements with the FDIC• Created analysis and insight related to the Risk Sharing Asset Management portfolio, assessing and interpreting delinquency and default trends within the portfolio. Leverage default/loss model simulation and quantitative research results to identify portfolio segments that represent higher risk exposure to the FDIC. Types of results which I have communicated/reported back to senior management include FDIC’s possible overpayment of loss claims and asset level burn rate analysis• Participated in the development of the FDIC Resolution Transaction Submission Portal (RTSP) which provides acquiring institution personnel with a secure method for submitting required data files. RTSP also performs data profiling, qualitative reviews and data validations on the reported data in a role-based secure manner.• Conceptualized and participated in the development of a program-wide data validation process known as the Risk Sharing Asset Management Data Validation Process (RDVP) at the National level. As a result, a sophisticated and standardized process was implemented to improve the consistency of data quality and validations across all periodic loss claim submissions• Currently serving as a subject matter expert on numerous panels including the Risk Sharing Asset Management Data Validation Process (RDVP) initiative and the FDIC Asset ID Assignment Process• Conducted numerous on-site presentations to various acquiring institutions as a means of introducing the group to FDIC’s data specifications and Certificate filing process• Developed software-based tools to assist the program to mitigate losses which included asset, schedule adjustment and charge-off verification tools

• Asset Marketing Specialist responsible for selling FDIC retained assets from failed institutions to qualified bidders. Most recent asset sale totaling $52MM from Security Real Estate Services, a wholly owned subsidiary of FDIC as Receiver of Security Bank of Bibb County• Generated numerous sale case recommendations then presented to the Credit Review Committee for approval. Sale cases involved aspects such as a brief background and demographic of the assets, extensive analysis including bidder involvement, activity and finally bid results. Upon approval of the case, winning bidders were awarded• Provided technical support for a variety of resolutions & receiverships activities including resolutions, ProForma, claims administration, credit administration, customer service, investigations, real estate management, asset sales/real estate sales/asset marketing, asset claims, securities transactions, receivership benefits, Subsidiaries, collateral release & terminations • Participated in numerous financial institution receiverships such as First Bank of Idaho, America West Bank, Southern Community Bank, Temecula Valley Bank, Security Banks of Georgia and United Commercial Bank• Assisted in researching & responding to inquiries from FDIC employees, financial community & general public• Assisted in developing the Strategic Resolution Plan (SRP) for multiple receiverships. Developed marketing plans to determine objectives, strategies, and tactics to meet goals• Experience as both an Asset Manager and Branch Manager on numerous receiverships

• Managed loan products primarily sold to the Government Sponsored Enterprises, Fannie Mae and Freddie Mac.• Responsible for product design and development, as well as product management and profitability resulting in over $1 Billion of loan production on a monthly basis.• Determined possible new products as well as plan design and development.• Developed the annual marketing plans to determine objectives, strategies, and tactics to meet goals.• Monitored marketplace and internal sales performance to best determine new product/promotion needs.• Developed innovative sales tools to assist the sales force.• Communicated marketing/promotional information and strategic direction to line and staff.• Determined staff needs and provide guidance to more junior Product Managers and Regional Sales Managers.• Recommended pricing levels for various products based on company objectives to ensure competitive rates.• Analyzed markets and determine appropriate pricing for products.

• Responsible as the primary liaison for a premier seller, with an emphasis on strong product knowledge, effective sales techniques, high operational oversight, production analysis/development and targeted marketing efforts.• Participated in numerous internal projects including beta-test software reviews, business plan development & execution, and mentorship.• Grew the production of single assigned seller from an avg. $1,000,000 monthly to over $20,000,000 monthly in a period spanning less than 20 months.• One of the top CAEs in the Western Region of 100+, having developed a seller to rank among the top 10 nationally out of 6,000+ producing customers, top 5 in revenue, and number one in specialty products.

• Review of loan packages and preparation of closing documents that adhere to loan approval, lock confirmation, product guidelines and state and federal regulations.• Timely delivery of loan package to Closing Agent with clear and concise instructions as to necessary documentation required for loan funding.• Review of executed loan documents ensuring all necessary documentation is complete and accurate ensuring a salable loan on the secondary market. Funded on average approximately $35 Million per month.• Prioritize and monitor workflow to meet closing deadlines and maintain customer service levels.• Work closely with Quality Control Department and Due Diligence teams, responding to loan audits.

• Headed the funding and shipping departments.• Successfully funded approximately $7 million per month.• Maintained relationships with various investors, which include CitiMortgage, Inc. and HSBC Mortgage Corporation (USA) and warehouse banks such as The Provident Bank.