Oscar Moran Email & Phone Number

Las Vegas, Nv, Us

Las Vegas, Nevada, United States

Las Vegas, Nevada, United States

Canoga Park, Ca

Responsible for managing and directing mortgage production. Actively involved in planning, organizing, and directing strategic initiatives, sales development, leadership/management of production in multiple offices as aligned with corporate targets. Oversee recruiting activities and development of Branches and their respective loan originators. Provide guidance and set production goals, including margin management, product development, and investor relationship management.

Greater Los Angeles Area

Direct oversight of company’s operational teams, including Processing, Underwriting, and Closing. Responsible for creating policies and procedures as it relates to regulatory compliance, internal processes, mortgage originations and secondary market. Provide guidance and set production goals for Sales Managers, including margin management, product development, and investor relationship management.

Orange County, California Area

Primary responsibilities include identifying, analyzing and resolving operational issues as it relates to residential lending production. Adequately provide guidance in regulatory compliance, internal policies and procedures as it relates to loan set-up, processing, underwriting, funding and secondary marketing functions. Provided guidance and set production goals for Business Development Officers, including margin management, product development, and investor relationship management• Reviewed financial statements of potential customers and determine alignment of the Bank’s goals.• Developed pricing, procedures and guidelines for a new Emerging Banker Program to accommodate Mini-Correspondent transactions.• Developed new offerings, such as Reverse Mortgages, FHA 203(k), USDA product, and HARP for warehouse lending to ensure a superior competitive posture. • Successful program branding by expanding it nationwide, advertising and actively participated in national and local MBA events.• Development of policies and procedures, including development of detailed analytics to understand credit trends and risk/return analysis.• Managed all channel involvement in audits, regulatory reviews and third party credit exams.• Participated in customer onboarding and ongoing customer management by soliciting potential customers through networking, trade shows, advertising and cold calls.• Implemented process efficiencies which resulted in increased production per FTE.

Primary responsibilities include to adequately and efficiently source affordable lending business within correspondent relationships in the West Division of Chase Correspondent Lending channel in order to maintain or increase goals set by regulators in accordance to the Community Reinvestment Act of 1977.• Quarterly exceeded loan penetration goals set for West Division for Low-to-Moderate Income loans.• Successfully introduced new MS Excel tools to better assess business opportunities.• Serve as subject matter expert in regional economic summits, along other Correspondent Channel Executives, to raise visibility and awareness of CRA and Fair lending performance gaps.• Successfully evaluated correspondent relationships, place them in appropriate programs in order to provide better Low-to-Moderate Income penetration rates.• Provide strategic leadership and support to Chase Correspondent West Division.

CUSO Mortgage is a Credit Union Service Organization (CUSO) and part of Wescom Holdings, LLC, and the parent company of Wescom Central Credit Union. I am responsible for Secondary Marketing functions including margin management, product development, rate sheet management, and investor relationship management.• Actively conducted secondary marketing functions for over 60 Credit Union clients.• Well versed in Secondary Marketing strategies, i.e. Best Efforts, Mandatory, AOT, and Hedging Strategies.• Working knowledge of Fannie Mae’s Loan Quality Initiatives and Uniform Mortgage Data Program, including ULDD, UAD, and UCDP.• Supervised Management Information Systems (MIS) and Lock Desk Personnel.• Developed written procedures for the company’s Lock Desk.• Actively reviewed and evaluated a 50 million / month loan pipeline to ensure eligibility and profitability.• Continuous monitored investor guidelines, processes and regulatory compliance through investor websites and Allregs.• Instrumental in developing pricing, procedures and guidelines for Wholesale and Retail Channels.• Managed mortgage loan origination system conversion.

Primary responsibility as a Correspondent Lending Account Executive was the establishment and maintenance of customer relationships and management of profitability. Point person for all aspects of customer relationship including, secondary market execution, underwriting, product training, credit risk analysis, strategic planning and execution.• Increased market penetration through proactive account management of over 130 accounts in Southern CA in 9 months.• Provided business consulting services to clients on interest rate risk, liquidity, pricing analytics, hedging practices, profitability, due diligence, quality control, and fallout / pull through ratio analysis.• Mentored new account executives by providing on the field training and education in core product offerings, as well developing internal sales skills by collaborating with other department to achieve common goals.• Versed in Real Estate Lending product offerings and Equity product suite, e.g. Alt-A, Non-Prime, FannieMae initiatives, HELOCs, etc.• Routinely conducted product training for correspondent’s Loan Officers, Underwriting and Sales staff.

As an Account Manager focused on negotiations for portfolio retention and securitization of MBS. Responsibilities included the timely creation of legal agreements of structured transactions for Fannie Mae, i.e. Fixed-Rate, Adjustable-Rate, Interest Only and Alt-A mortgages.• Co-managed major projects with Credit Risk Management and Legal Counsel to evaluate and mitigate risk associated with Alt-A transactions.• Provided training and support for Mortgage companies on eCommitting, a web-based Mandatory Commitment portal.• Established standards for legal contract process flow.• Successfully established relationships, internal and external, with top executives to develop strategic partnership agreements.• Designed financial analysis tools to monitor market trends and customers deliveries in order to maximize the overall profitability for the corporation.• Acted as Fannie Mae’s advocate on credit issues as it relates to bulk transactions and flow production,i.e. Interest Only and Alt-A mortgages.• Provided reporting for goal management, customer trends, profitability and performance.• Actively participated in the development of legal contracts and amendments on behalf of Fannie Mae for over 200 accounts.

City Of Los Angeles

As a Facility Manager, I was responsible for budget management, scheduling, supervision and the training and coaching of personnel. Provided community outreach with training and education on recreational programs, as well as classes established by the American Red Cross.• Performed public relations with community leaders and local law enforcement agencies. • Increased participation on recreational and instructional programs by implementing strategic marketing campaigns targeted to the Inner-City Community.• Systematically managed interpersonal conflicts, with a fair, but firm management style.• Periodically conducted risk assessment of facility as set by the Los Angeles County Department of Health.• Actively recruited, interviewed, hired and trained new personnel for the city of Los Angeles.• Instructed classes in water safety, swimming, life-saving techniques, first aid and cardiopulmonary resuscitation both internally and externally.