• Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating.• Covenant monitoring program, problem loan management reports, catch early warning indicators, and other forms of credit surveillance that would raise credit risk.• Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data. Determine the need for more thorough investigation or additional information.• Analyze financial information and related materials and complete ongoing credit monitoring for the Bank’s commercial transactions. • Liaison between Commercial Banking Relationship Managers and the Underwriting Team for facilitating credit needs of customers. Includes documenting and tracking of relevant information, reports and memos to ensure necessary credit approvals are obtained, documented and adhered to from fulfillment through closing and maintenance in order to maintain timely and accurate risk ratings for a portfolio of commercial credits.• Spread financial statements and prepare financial.• Monitor credit performance of customer portfolios and escalate or remediate, as appropriate.• Responsible for the timeliness of the monitoring activities and ensure credit policy compliance by verifying adherence of monitoring activities to the Commercial Credit Policy, and evaluating any risk associated with non-compliance.

• Responsible for leading a team of 120 during the peak of Covid in servicing over 100k accounts, which was an increase of over 1000% from the prior year, while maintaining our strict internal & investor timeframes. • Reduced operational losses by 40% within my 1st year in the role with a continued focus on mitigating losses.• Monitor daily & monthly reporting to ensure the teams achieve their set goals for decisioning final modification terms and completing quality control loan reviews.• Selected and participated with our Growth & Development Team, by representing Loss Mitigation on a committee to improve the employee’s 1 on 1 experience and open lines of communication with management.• Develop staff through strong communications and constructive feedback with a focus on the employee’s long term career growth.• Built strong relationships with my business partners to develop, improve and grow mutual processes.• Direct staff in the appropriate techniques of customer service, account servicing, to prevent loan escalations.• Evaluate unit processes, procedures, and policies routinely to increase operational efficiency.• Adhere to applicable compliance/operational risk controls in accordance with investor & regulatory standards, policies & procedures.

Lead business unit work teams with responsibility for multiple businesses and product lines. Monitor work flow and serve as liaison between unit and management. Perform vendor management with day to day activities and problem resolution. Interpret legal and bank documents for internal processing, through analysis of circumstances and documents recommend action steps to management. Suggested process improvement/ documentation, training, & implementation of initiatives. Interact with other departments to include Corporate Compliance and Legal in regard to customer issues. Research and resolve complex internal and external customer issues. Act as department lead for special project representation including projection, process initiatives. Maintain databases/spreadsheets and complete daily, weekly, or monthly departmental reporting

• Interfaces with attorneys, negotiators, senior negotiators and senior management on a daily basis. • Responsible for quality control and reconciling balances on all loan modifications.• Coach, mentor, and develop team members. Motivate and lead associates by example, effectively communicating individual, team and company objectives to optimize knowledge. • Control and eliminate losses incurred through loss mitigation and foreclosure through risk analysis and process improvement.• Identify, implement, and oversee process improvements across department in conjunction with Senior Management. • Demonstrate the highest levels of integrity, character, and professionalism in every associate, customer, and client interaction.

• Analyzed best course of action on inquiries received during foreclosure process• Coordinated responses with compliance on qualified written requests and SCRA loans• Monitored foreclosure actions to confirm attorneys were adhering to bank and investor guidelines• Administrator for acquisitions and re-purchased loans

• Provided administrative support for four attorneys• Prepared all legal documents for the Foreclosure process • Counseled and educated mortgagors on reinstating their mortgages • Tracked inner office goals for the processing of court documents • Acted as liaison for process servers and court personnel