Michael Noah Email & Phone Number

Tampa, Florida, United States

Tampa, Florida, United States

- Directed a team whose functions were to ensure regulatory requirements were met; Closing Disclosures were balanced accordingly to fund mortgages in a timely manner. - Designed workflow improvements, analytical reporting, daily workflow and internal controls. - Developed and maintained a multi-departmental pipeline to increased efficiencies and exceeded client expectations. - Aided employees with career development goals, mentoring and team building. - Established tools to assist employees with training, pipeline management and efficiency. - Acted as a liaison between client, vendor and company to ensure satisfactory results were within scope.

Tampa, Fl

-Represent Workforce Management ensuring the team is adhering to all regulatory and company requirements. -Develop training curriculum and provide guidance to the team to strengthen knowledge and skills needed to accomplish and supersede main objectives.-Capitalize on subject matter expertise to ensure potential risks are identified and remediated with compensating controls to arrive at best practices thru a detailed quality assurance process.-Design and present intricate reporting metrics to management identifying gaps in procedures and proposing beneficial solutions.-Define and communicate comprehensive key performance indicators to all levels of management.-Apply strong project management and communication skills to identify business needs and solve complex issues using professional knowledge and analytical expertise.-Standardize processes and procedures to operate a more efficient and effective operation.

Amherst, Ny

-Spear-headed the acquisition of the Consumer and Mortgage Default Division from First Niagara Bank.-Supervised the loss mitigation team consisting of 18 direct reports with proven capabilities in building teamwork, strategizing and integrating strengthened controls and efficiencies.-Monitored the adherence to all regulatory requirements including CFPB, FDCPA, Bank Secrecy Act, HMDA, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and all other mandated regulations. -Capitalized on subject matter expertise to ensure potential risks were identified and remediated with compensating controls to arrive at best practices.-Constructed and presented metrics to senior management and engaged with Technology, Compliance, Legal and other relevant areas for cross-functional and effective methodologies.

Elma, Ny

-Restructured FDIC portfolio of performing and non-performing loans and determined marketability for sale. -Represented Investor of FDIC backed loans in State and Federal Court.-Composed case studies and performed credit underwriting of multi-faceted Investor guidelines pertaining to escrow, lien release, loss mitigation, foreclosure, bankruptcy and REO. -Ensured all key performance indicators exceeded quality and productivity standards.

Hsbc Depew, Ny

-Orchestrated foreclosure loan portfolio to submit to legal counsel for the Consent Order.-Presented key findings biweekly to a governance committee and conveyed recommended course of action.

Amherst, Ny

-Headed and orchestrated workflow for a team of 25 employees that provided clients with legal fee and cost analysis, mortgagor requests for payoff and reinstatement and analysis of recoverability of fees and charges.-Acted as business analyst to create an internal streamlining system that transformed speed and accuracy resulting in the lowest amount of loss the firm had ever seen.-Facilitated weekly staff meetings communicating the latest trends and process improvement abilities.-Assembled and negotiated quarterly and annual performance reviews.

Amherst, Ny

-Generated new business through presentation of bank products to customers and follow up. (Home Equity products, checking and savings products, certificate of deposits, IRA's and Installment notes)-Provided loan counseling to clients by utilizing superior customer service skills and previous knowledge.-Trained new employees and created solutions which resulted in higher revenue.

Tempe, Az

-Mitigated losses on residential home loan foreclosures.-Acting liaison between realtors, lenders, brokers, title companies, attorneys and customers to minimize credit/asset losses.-Provided account resolution/repayment option services.-Educated clients in debt management to prevent bankruptcy via loan workouts, title/HUD-1 reviews, etc.-Superior knowledge of Real Estate services, loss severity summaries, deed in lieu's and short sales resulting in the ability to process foreclosure and bankruptcy proceedings.-Compiled, analyzed and developed summary reports to default management.-Reduced underlying causes for performance difficulties and proposed new solutions.-Trained and monitored new staff while meeting/exceeding a monthly goal of $900,000.

Amherst, Ny

-Recovered secured and unsecured assets for the company.-Power of decision on value for recovering unclaimed collateral.-Primed accounts for suit, lien releases and title returns.