Melinda Mccullough Email & Phone Number

Texas, United States

Coppell, Texas

• Manage a staff for reporting and remitting on Private Label Securitization investors encompassing S/S, S/A and A/A securitizations utilizing the system of record as well as SBO 2000 to facilitate reporting and daily cash movement • Collapse and Relever nuance resulting in new securitizations or loan sales requiring high-touch investor sensitivity relative to non-month end transactions• Manage a staff of Default Reporting Analysts reporting monthly on approximately 26,000 delinquent loans to FNMA, FHLMC, USDA, VA, FHA and Wells Fargo• Compiles and provides, to impacted business units, FNMA and FHLMC incentives

Coppell, Texas

• Development of RCSA (Risk and Control Self-Assessment) in partnership with the business to provide feedback on key operational controls and risks• Safeguards the Investor Servicing team through systematic, routine Business Performance Review (BPR) testing of stated controls and servicing agreement requirements to ensure compliance• Provides management reporting to evidence the effectiveness of operational controls through BPR testing, show volume of audit requests and summarize audit findings• Creates Management Action Plans, upon identification of a process deficiency and/or in response to an issue of non-compliance, utilizing the ‘5 Whys’ to perform a root cause analysis to create effective remediation plans• Implementation of process improvements, as a result of BPR testing or audit remediation plans, through a successful partnership with business analytics• Controls Oversight and Implementation• Single-Point-of-Contact for all Investor Servicing audit inquiries averaging over 400 audits annually• SBO.NET management servicing over 1M loans providing PLS and FNMA reporting• Loan Transfers• Investor Header Setup• Acquisition and Service Release Settlement

• Performs Controlled Self-Assessments (CSA) to satisfy contractual requirements and provide a foundation for annual Officer Attestations • Assesses compliance of Investor Servicing’s performance related to the criteria required by Servicing Guides and the contractual provisions of Servicing Agreements• Identifies and documents process deficiencies and issues of non-compliance• Validates the effectiveness of operational controls and suggests opportunities for process enhancement• Control point for all audit inquiries and coordinates uniform responses to Internal Auditors, External Auditors, State Examiners, Rating Agencies and investor audits to assure uniform terminology• Tests to assure compliance with certain Company policies such as email encryption, work-product retention, business continuity and systems access

Irving, Texas

• Manage a staff reporting and remitting on Fannie Mae (A/A, MRS, MBS), Freddie Mac S/A and Ginnie Mae MBS• Coordinate effort to improve Freddie reporting edits from hundreds to less than ten per month in a 100,000+ loan population• Implement controls to maintain a Fannie Mae average scorecard peer ranking of four out of twenty-one peers since inception to present

Coppell, Texas

• Manage a staff of five for investor reporting and remitting on Fannie Mae and Freddie Mac portfolios • Coordinate effort with Loss Mitigation and Special Loans to resolve all but 40 of inherited 1800 Schedule 3 loan outages in less than four months• Improve Fannie Mae scorecard peer ranking by capitalizing on system enhancements and employee strengths • Maintain and manage Master Tracking workbook to track all schedule outages and recurring rejects for prompt resolution• Coordinate interim service portfolio with Freddie Mac• Streamline tasks to align with employee skillset • Create and manage team monthly task list to account for daily, weekly and monthly responsibilities

Irving, Texas

• Manage a staff of seven for investor reporting and remitting on special servicing portfolios • Instrumental in organizing bank reconciliation project to research and clear aged outages• Communicate trends and / or problems with recommended solutions to the SVP of Investor Reporting• Train onshore and offshore resources as well as consultants • Facilitate operational and product changes to assure that downstream effects on Investor Servicing are controlled and administrated• Assist in the planning, execution and completion of special projects• Perform ad-hoc analysis for executives as requested

Irving, Texas

• Supervise up to eight staff members • Review and approve remittances to investors and test of expected cash reconciliation resolutions• Develop a quality control checklist for the department to provide reporting controls• Set and maintain record of staff achievement/goals• Prepare and administer monthly employee reviews to discuss wins and opportunities for improvement • Create templates to assist analyst with bank reconciliation resolutions • Act as a liaison between corporate accounting and Investor Services to resolve custodial and corporate reconciliation outages

Lewisville, Texas

• Supervise a staff of up to thirteen • Institute measures to prevent losses to the trustee at time of remittance • Assist with regression testing for quarterly system enhancements• Develop cross-training schedule among various teams• Enhance team competency in order to broaden employees’ knowledge base by identifying and implementing mini training sessions as needed• Spearhead initiative to encourage relationship building and accountability across the Investor Services and Cash Management teams• Lead offshore initiative with India developing reporting procedures and onshore controls, including hosting a two-week training session for 18 in India• Analyze team’s work to ensure accuracy and timeliness

Lewisville, Texas

• Provide reporting/remitting support and direction to staff • Reconcile and report on multi-million dollar accounts for private and securitized loans• Create hands-on procedural manual as a guide to troubleshooting in the Investor Services area• Assist with preparation of Pool to Security Balance Reconciliations• Comprehend Cash Flow as it relates to the LPS system in order to resolve cash outages and corporate breaks • Communicate regularly with Treasury on securitization activities• Prepare report packages for internal and external audits• Transfer loans to appropriate investor portfolio• Create and maintain investor headers• Perform quality assurance on custodial bank reconciliations and UPB breaks• Receive Star Award for hard work, dedication and team work in four months of employment

Dallas, Texas

• Organize $4M project and act as point of contact• Support CIO surrounding the asset management of properties• Coordinate build-out of additional space to accommodate company growth• Create and edit reports and correspondence to investors• Develop tenant and property databases in MS Access• Organize and lead various projects including an international meeting at Perot Jr.’s ranch

Irving, Texas

• Supervise weekly deadlines of 20 engineers• Identify over $500K in possible company savings in twelve-month period• Communicate with business units on a state level regarding implementation of networks• Cultivate relationships with outside vendors including Alcatel and Fujitsu • Develop databases and reports for departmental and managerial use• Receive Star Performer award and highest performance rating for two years

Masters, Business

3.9 GPA

Bachelor Of Science - Bs, Biology

Bachelor of Business Administration in Biology; minor in English Graduated Cum Laude Certified to teach Biology and English 6th-12th.