www.homium.io

Responsible for all credit and operations functions of this multi state mortgage banking company. We operate under 3 distinct channels (retail, wholesale and correspondent) through most of the United States. My functions here include all credit functions, operations, condo desk, underwriting authority, guidelines, and agency/lender relationships

Responsible for all mortgage operations including processing, underwriting, closing, funding, post closing, loan delivery and securitization. Also manage all GSE relationships as well as our relationship with GNMA. I am also responsible for all pricing and capital market functions of this mid sized mortgage bank. Additionally responsible for all credit policy and product development. With our strong commitment to quality and our exceptional growth strategy we are seeing an incredible increase in our product and profit opportunity.

This position was responsible for all credit and secondary functions of this multi channel mortgage banking company (retail, wholesale, call center, correspondent). Underwriting, investor relations, government insuring, secondary marketing, credit policy, loan quality, warehouse facility management and credit quality are among the many responsibilities my position was responsible for. As a member of the Senior Management team of this company, I was involved in many areas of the overall management of the company including operational process improvement, efficiency evaluations and recommendations and vendor maximization. This position was involved in all the rating agency reviews, warehouse line reviews/approvals, FNMA MORA review and HUD audit/HOC interface as the senior credit person for the company.

This position is responsible for all operational facets of a retail mortgage banking company. Warehouse facility management, investor relations, loan purchasing, secondary marketing, processing, underwriting, credit quality, closing, quality control audit are among the many responsibilities this position covers. As a part of the senior leadership team of this multi state lender, we work in coordination with the board of directors and our many employees.

This position works in concert with the Divisional Executive Vice President in managing every facet of operational excellence in all fulfillment platforms for the division. Work closely with First VP of Operations in each region along with ROC Management in each region to provide operational support and regional advocacy with the organization. This position is a key leadership position with the overall Countrywide Home Loans organization as a conduit for process improvement, metric changes and overall organizational initiatives. I work as the lead for all fraud investigations in the division, utilizing my team to respond to any fraud issues and to continually monitor production for fraud trends/characteristics. The Atlantic South Division consistently performed in either the #1 or #2 overall Operational Scorecard on a monthly basis. We have also consistently finished in the top divisional spot in overall Customer Service with scores consistently in excess of 88% in overall customer satisfaction across the division. This position also works closely with all of the regions in operational performance and metrics to seek to continually improve the overall divisional performance. We have significantly outperformed our peers in just about every metric category and have embraced an environment of strong customer interaction in concert with operational metrics to close loans correctly and quickly.

This position works in concert with the Regional Senior Vice President in managing every facet of operational excellence in all fulfillment platforms for the region. Work closely with the VP ROM's and VP ROC Manager to establish goals and metrics for all reporting areas. Work as lead in all fraud investigations with both corporate and local investigations. Coordinate all training, education and professional staff development. This position is a key leadership role within the region and is the main point of communication for any and all issues. Work closely with my staff to evaluate and approve any hiring decisions throughout the region. I also have a strong relationship with employee relations to manage any issues as they arise. Process improvement, operational efficiencies are a vital part of this position and part of my day to day evaluation process. We work to maintain our position operationally and have made great strides in our performance. Region 40 is the top region in the Southeast Division month over month and year over year, we have significantly outperformed our peers in almost every area of operational excellence. Additionally, we have maintained a top 10 status nationally for the last 15 months and have held a top 5 position in 8 of those months. Region 40 finished second in overall scorecard ranking and was recognized as a Circle Of Excellence-Operational Excellence region for 2006.

Responsible for the all areas of the Regional Operations Center handling loans originated by both standard retail channels as well as telemarketing channels. Oversee all functions of the operations center including but not limited to, Underwriting, Fraud Prevention, Processing, Closing, Funding, Quality Control, and Post Closing. Additionally, am responsible for all staffing decisions, employee counseling and maintaining appropriate staffing levels. Work closely with Regional office management to insure appropriate compliance with strategic plans and corporate objectives. I have worked diligently on process improvement and maximization of productivity to drive metrics and operational performance. I have continued to push our operational metrics and have performed at a high level in maintaining strong Loans Per Employee, Late File Performance, Compliance Findings and Loans Closed Within the Initial Commitment Period modifiers. Our center has consistently been the top performing Regional Operations Center in the Division and within the top 10 performing Regional Operations Centers in the country.

Responsible for all areas of the real estate division of the largest credit union in North Texas for both retail and correspondent delivery channels. Oversaw all areas of the organization including but not limited to Origination, Underwriting, Fraud Prevention, Secondary Marketing, Quality Control, Business Development, Operations, Fraud Investigation, Construction Lending, Servicing and general aspects of the real estate division. Involved closely with Fannie Mae working on advisory councils and work groups. Conforming, FHA/VA, jumbo, 2nd lien, construction lending, spec lending, raw land lending and rehabilitation lending were the product channels under my direction in this position. This position was deeply involved in the strategic planning and budgeting process for the organization as well as more specifically the role of the Real Estate Division within the overall organization. Worked very closely with Sr. Management to develop strategic plans and then to implement processes and improvements to insure our ability to meet the prescribed objectives.

Responsible for all business functions for a division of the largest real estate information services company in the United States. My position was responsible for Sales, Strategic Planning, Account Management, Training, Testing, Policy Development, Quality Assurance, Budgeting, Expense Management and Facilities Management on an executive level. Additionally, I was an integral member of the Strategic Planning team and Process Improvement Group which worked to create strategic plans for the organization and then follow through with process improvements to implement the new corporate objectives and goals. This position oversaw all the business operations of a division of this Fortune 500 company and was responsible for the budget and ensuring compliance with the budget for each department. Since taking this position I have reduced expenses over 25% and have increased revenue 50% thereby increasing net income over 75%. I also have increased sales over 35% within the last year. This executive level position is in direct, daily contact with executive management of the parent company.Worthington Capital

Responsible for all operations of locally owned mortgage bank. Supervise a staff of 20 individuals. Responsibilities include underwriting, fraud prevention, funding, financial reporting, investor relations, fraud investigation, secondary marketing, warehouse management and all operations involved on a daily basis. I was responsible for all underwriting and credit decision functions of the company. I worked with all mortgage insurance companies and investors. I was also responsible for the implementation and reporting of the quality assurance plan. Additionally, I was responsible for the creation of the strategic plan and then the implementation of the processes necessary to achieve the objectives.

Responsible for the daily management of a staff of 120 individuals for the largest wholesale lending office in the Mountain Region of a multi-billion dollar mortgage bank. Responsibilities included education, fraud prevention training, supervision, fraud investigation, financial planning, strategic planning, budgeting, compliance, human resources, and employee relations. The ongoing training of each employee in the areas of secondary marketing(finance), underwriting, real estate and economics of business is a large part of the responsibilities of this position. The responsibilities of this position allowed for a large amount of interaction with all facets of the mortgage lending industry and the ability to use my extensive underwriting experience to train individuals to understand the mortgage industry. Worked closely with corporate management to develop and then implement the strategic plan and budget for this large center in the Mountain Region.

Responsible for the management of underwriting staff on a daily basis. Was responsible for underwriting of both conforming and non-conforming loans on a daily basis up to a loan amount of $750,000 in accordance with FNMA/FHLMC and conduit guidelines. Underwrote delegated primary mortgage insurance for all major mortgage insurance companies. This position was also responsible for all unapproved appraisal review and appraiser panel management. Extensive time was spent daily reviewing appraisals and appraiser compliance with corporate underwriting guidelines. This position was in constant and direct contact with corporate underwriting regarding dissemination of all updates and appropriate information regarding product changes and revisions. This position allowed me the opportunity to conduct educational seminars on finance, economics, real estate and management for both employees and customers.

Responsible for the underwriting of both conforming and jumbo loans for the contract underwriting unit up to a loan amount of $350,000 in accordance with current investor policies and procedures. Underwrote mortgage insurance application as well as pool insurance applications up to a loan amount of $350,000 in accordance with current PMI primary and conduit guidelines. Conducted extensive appraisal review and provided quantitative information regarding appraiser performance and compliance to investor policy. Maintained a high level of contact and communication with lenders and investors. This position maintained positive customer relations through timely response to client inquiries. Created automated appraisal management system to provide a management tool on appraiser performance. Created current automated decision letter system in use by contract underwriting unit. Conducted educational seminars on finance, real estate and economics as well as specific underwriting areas.