Michael Tano, Cmb, Mba Email & Phone Number

Wylie, Tx, Us

Tustin, Ca, Us

▪ Maintain daily workflows related to product development, credit policy communications, and product training,▪ Responsible for the development of credit policy to enhance quality loan decisions.▪ Work closely with mortgage operations and management to ensure staff follows all established program and policy requirements of each investor and/or agency.▪ Act as a resource to both underwriting and production for policy changes and assist with interpreting underwriting guidelines.▪ Perform second-level reviews for new underwriters and loan programs and review loan declinations.▪ Maintain quality and production standards set forth by management.

Houston, Texas, Us

▪ Overseeing the day-to-day operations of the Midwest, Southeast, West, Southwest, and Texas underwriting divisions. ▪ Manage underwriter quality and productivity and provide direction and/or training as needed for Conventional, USDA, FHA, VA, various Bond Loans, Jumbo, and Non-QM loans. ▪ Manage and provide day-to-day support for second signatures, declination resubmissions. ▪ Track and monitor underwriting metrics, including error ratios, quality scores, headcount, customer service communication and all required service level agreements. ▪ Develop and maintain a strong working relationship with onsite Team and Site Management, Credit Risk, and Sales. ▪ Direct reports include four Underwriting Team leads and twenty-six Underwriters.▪ Combined operations teams responsible for 19,799 closed loans

Houston, Texas, Us

Overseeing the day-to-day operations of the Midwest and Southeast underwriting divisions. Manage underwriter quality and productivity and provide direction and/or training as needed for Conventional, USDA, FHA, VA, and, and Bond Loans. Manage and provide day-to-day support for second signatures, declination resubmissions. Track and monitor underwriting metrics, including error ratios, quality scores, headcount, customer service communication and all required service level agreements. Develop and maintain a strong working relationship with onsite Team and Site Management, Credit Risk and Sales. Direct reports include four Underwriting Team leads and twenty Underwriters.

Houston, Texas, Us

▪ Responsible for evaluating risk, program guidelines, accuracy, collateral review and making appropriate loan decisions based on established credit underwriting guidelines, information and documentation provided in highly complex loan files. ▪ Managed assigned pipeline to ensure all procedures are applied accurately and processes are completed within agreed service levels. ▪ Served as a subject matter expert within the team for Conventional, FHA, VA, and Bond loans. ▪ Made loan eligibility decisions and approve or reject applications▪ Reviewed and specified loan conditions as necessary▪ Ensured compliance with regulatory standards, company policies and guidelines▪ Documented and effectively communicated reasons for the approval or rejection of loans▪ Returned applications with additional documentation to the loan officer for review▪ Communicated decisions and collaborate with sales team for loan counteroffers.

Dallas, Texas, Us

▪ Responsible for evaluating risk, program guidelines, accuracy, collateral review and making appropriate loan decisions based on established credit underwriting guidelines, information and documentation provided in highly complex loan files. ▪ Managed assigned pipeline to ensure all procedures are applied accurately and processes are completed in a timely manner. ▪ Served as a subject matter expert within the team for Conventional, FHA, VA, and Bond loans. ▪ Communicated decisions and collaborate with sales team for loan counteroffers.

▪ Responsible for evaluating risk, layering of risk, program guideline accuracy, collateral review and making appropriate loan decisions based on established underwriting guidelines, information and documentation provided in highly complex loan files. ▪ Managed assigned pipeline to ensure all procedures are applied accurately and processes are completed in a timely manner. ▪ Served as subject matter expert within the team for Conventional, FHA, VA, USDA, and Non-QM loans. ▪ Worked directly with QA and QC teams to mitigate errors by reviewing post close errors with management. ▪ Submitted rebuttals to investors on loan deficiencies.

▪ Managed underwriter quality and productivity and provide direction and/or training as needed for Government, Bond Loans, Jumbo, Employee, and Non-QM loans. ▪ Managed and provide day-to-day support for second signatures, declination resubmissions. ▪ Tracked and monitored underwriting metrics including error ratios, quality scores, headcount, customer service communication and all required service level agreements. ▪ Developed and maintained a strong working relationship with onsite Team and Site Management, Credit Risk and Sales.

▪ Strategized production goals and discover root causes for any production delays. ▪ Oversaw the completion of work necessary in the support of activities to meet all regulatory requirements within a cost-effective manner. ▪ Produced a team consisting of 27 employees through the completion of set up, processing, underwriting, sales coordinators, and closing personnel. ▪ Led an operational team responsible for $950M of revenue on an annual basis.

New York, New York, Us

▪ Held responsibilities for loan level reviews of third-party claims of breach allegations against multitudes of transaction-related documents. ▪ Aided teams through various phases of deal setups which included file inventory, documentation assessments, data collection, guideline and document matching. ▪ Analyzed the contributions of a team of over 30 underwriters and quality control personnel for volume, accuracy, and daily activities.

San Francisco, California, Us

- Reviewing financial statements, credit reports, and applicable ratios. - Examining transactions to ensure accuracy and completeness. - Ensuring that documents are consistent and uphold to company and industry guidelines. - Implementing fraud detection techniques, performing compliance reviews. - Assisting with re-negotiations of loans based on lending guidelines. - Contacting customers and partners to gather information to make appropriate decisions, explaining rationale behind credit decision. - Left position due to layoffs.

Dallas, Texas, Us

Orchestrated plans to construct an operations department from conception through to completion. Collaborated with quality control and quality assurance teams in order to guarantee operational teams met State and Federal regulations. • Successfully decreased production turn times by 35 days and shipping turnarounds by 30 days. • Conceptualized sales and marketing plans which increased sales across multiple positions. • Seamlessly opened numerous companies and varying branch locations. • Led the region in gross margin revenue production for client companies.

Charlotte, Nc, Us

I held three positions at Bank of America from 2009 to 2012. Loan Review Manager, AVP, August 2011 – December 2012Aggressively led a team of seven loan reviewers to regulate actions of loans with repurchase requests. Mentored a team in becoming the highest producing team in the company. Consistently audited 60-100 loans per month which certified error rates remained below company goals. • Achieved higher employee satisfaction scores and national averages while monitoring the lowest turnover rate of peer groups. Process Design Consultant, AVP, August 2010 – July 2011Reviewed internal processes in order to execute solutions and resolve problems in an effort to progress performance indicators through the application of six sigma methodologies. Assembled a team of decision makers across business lines to achieve project deliverables. Presented to executive level management regarding final projects and results. Underwriting Manager, AVP, April 2009 – August 2010Expertly communicated with numerous business channels to guarantee the delivery of quality investment loans. Chaired the top producing team within the site. Established a team of 14 underwriters to exceed company goals for production, quality, and risk.

- Taught internet and classroom based course for lenders and individuals on FHA and VA underwriting, sales strategies, and other mortgage topics as requested.- Participated in the development of classroom and internet course materials

Conceptualized the process for successful recruitment, training, and supervision of a staff of 22 employees and managers. Oversaw all profit and loss through effective collaboration across multiple departments which certified the company consistently operated under legal and ethical practices. • Executed business plans to construct a mortgage company from the ground up through the successful implementation of strategic business plans. • Maximized sales quotas from $o to upwards of $60M in revenue. • Recruited and developed over 27 new employees and over six managers.

Morris Plains, New Jersey, Us

- Responsible for loan originations in the Florida Panhandle and Lower Alabama area. - Executed marketing and business plans to develop new markets for a mortgage lender new to the area. - Responsible for branch profitability through Profit and Loss management. - Responsible for developing and maintaining realtor relationships in the real estate office the company was based in. - Left position due to early termination of a marketing agreement of the real estate broker.

Us

- Managed the production and day-to-day operations of a retail branch location while producing. - Responsible for the reconciliation and management of branch P&L. - Coached loan officers in the planning and execution of personal marketing and business plans to increase overall branch profit. - Executed marketing and business plan to entrench company into new market.- Left position for what I thought would be a better opportunity.

- Responsible for the daily management of the origination and problem resolution of mortgage loans to include Conventional, FHA and VA Products of four branch locations. - Developed and oversaw direct marketing of company products to builders, realtors, and the general public. - Oversaw the development and training of originators, processors, and underwriters. - Executed the development of a new market that increased sales by 2.8 million dollars per month during an eight-month time frame.- Left position due to sale of company and subsequent restructuring.

Framingham, Ma, Us

- Implemented an Outside Marketing Strategy that increased overall store sales by 15%. - Developed sales strategies that increased measurable sales categories by 277%. - Led a staff of 20 salespeople and oversaw their daily activities.- Left position to take a job in the mortgage industry.

Boca Raton, Florida, Us

- Contributed to profitability by managing staffing levels based on successful sales forecasting. - Responsible for the merchandising and maintenance of 2.5 million dollars of inventory. - Recruited and hired all stores sales staff and participated in the hiring of college interns. - Directed and managed staff of 45 full-time employees.

Doctorate Of Business Administration, Business Administration And Management, General

Master Of Business Administration (M.B.A.), Emphasis In Corporate Sustainability

B.S., Sociology/Business

A.A., General Studies

High School/Secondary Diplomas And Certificates