Pam Simmerman Email & Phone Number

Cherry Hill, New Jersey, United States

Responsible for driving optimization and automation of processes, enhancing the customer experience, and promoting a culture of continuous improvement and collaboration.

Responsible for leading change initiatives that improve processes to drive cost efficiencies, customer service and revenue generation. -Lead projects-Work with cross functional teams utilizing best practices-Implement change from initiation to planning to execution-Define business cases and determine quantifiable impact/benefits-Drive and facilitate requirements-Utilize machine learning algorithms to automate data entry tasks-Investigate AI- powered technology to improve operational efficiencies

Mount Laurel, Nj

Responsible for overall PHH quality and defect reduction. Responsibilities include monitoring of all identified defects from all audit points within the company from Originations to Closing and establishing and implementing prevention action to quickly improve results. • Significantly exceeded all quality goals in 2016. • Extensive experience in managing quality assurance and governance practices• Work closely with Operations leaders to identify trends, root cause and remediation plan• Deliver results and present regularly to executive company leadership• Utilize strong reporting and analytical skills• Deliver scheduled reporting to reflect results of quality improvement• Demonstrate project management skills for specific defect findings

Phh Mortgage

Managed company collateral and defect, increasing balance sheet liquidity and sale-ability turn time. • Drove 40% increase in balance sheet liquidity. • Determined the potential financial impact of identified risks. • Mitigated risks through loss control programs. • Reviewed the economic value of company assets and liabilities. • Developed risk models that maximized profits and asset growth. • Maintained a system for analyzing and reporting loss and risk data. • Developed and implemented risk management policies and standards. • Presented results of analysis and recommendations to executive leadership. • Prepared status reports on performance standards. • Provided data for statistical and financial modeling. • Managed the growth and development of a team of professionals.

Phh Mortgage

Directed compliance related activities. Led compliance assurance staff. Ensured compliance with ethical and regulatory standards. • Successfully led a project team that consisted of IT and business personnel. The team was responsible for implementing process and system changes to be compliant with RESPA regulations effective January 2010. The success of the project resulted in my being awarded "PHH Leader of the Year"• Developed and implemented policies and procedures. • Verified that all regulations were documented, implemented and communicated. • Assessed operational risks and developed risk management strategies. • Developed audit methodologies.• Proven track record of implementing process and cost efficiencies. • Company point of contact for client's compliance staff.

Mount Laurel, Nj

Oversaw governance of preferred title company•Managed contract terms, established service level agreements, monitored performance and gained agreement on remediation plans. •Created vendor dashboard to provide clients with vendor performance reports.

Investigated credit information for loans. Evaluated credit history of borrowers and examined credit risks to determine acceptability. • Reviewed escalated credit, income, asset and property documents for approval decisions for Conventional, FHA and VA loans. • Prepared forecasts, budgets and reports. • Negotiated solutions to benefit borrowers and the lender. • Adhered to credit policies, internal procedures, control standards and compliance requirements

Mount Laurel, Nj

Evaluated credit history of borrowers, examined risks to determine acceptability. Negotiated solutions to benefit borrowers and the lender. • Reviewed escalated property documents for approval decisions for Conventional loans. • Negotiated solutions to benefit both the borrower and the lender. • Adhered to credit policies, internal procedures, control standards and compliance requirements.

Mount Laurel, Nj

Oversaw a team of over 100 professionals. This team reviewed loan applications for quality submissions. •Detected problems such as deficient controls, duplicated work, and non-compliance with management policies. •Conducted internal audits and ensured resolution of audit findings and resolutions were reported to senior leaders. •Quality improvement results were awarded with recognition as PHH "Leader of the Year".

Education record

Completed courses such as Anti-Money Laundering, Anti-Predatory Lending, Fair Labor Standards Act, UDAAP and RESPA

Education record

Completed several courses. Some examples of those would be: Communicating with Impact, Conflict Resolution, Change Management, Managing.

Education record

Education record

Completed courses such as Microsoft Excel, Microsoft Word, Visio, Power Point and Access.