Ralph Gilbert Email & Phone Number

Hoffman Estates, Illinois

Consulted Career Education on enterprise risk management project.

Managed projects supporting customer service call center and electronic banking channels including telephone banking, online banking, and e-commerce.

Managed operational risk assessments for key lines of business utilizing company’s operational risk management framework to identify, assess, monitor, and mitigate inherent operating risks.

Managed special projects for Default and Customer Care Call Centers during transitional period after acquisition of three companies. Collaborated with business units on process improvement and re-engineering, consolidation, root-cause analysis and issue resolution. Performed gap analyses, developed project plans, performed User Acceptance Testing and managed cross-functional project teams utilizing corporate project management methodology

Managed the Default Reporting and FHA Mortgage Insurance departments responsible for reporting default information to HUD and VA, special projects, reporting and analysis, and remittance, reconciliation, and problem resolution of FHA mortgage insurance premiums. Managed the development and delivery of over 150 reports to support the Bankruptcy, Collections, Foreclosures, and Loss Mitigation departments.

Managed and performed key impairment risk analysis of company’s largest asset, $2.0 billion mortgage servicing right (MSR) asset. Forecasted and reported MSR amortization expenses and the net interest margin relative to financial instruments used in hedge portfolio. Interfaced with various servicing departments to prepare income and expense forecasting, reporting, and special projects. Prepared quarterly reporting packages for parent and regulatory agencies.

Performed key impairment risk and amortization analyses of $1 to 1.5 billion mortgage servicing right asset. Prepared monthly servicing statistics package for 600,000 loan mortgage servicing portfolio and completed quarterly reporting packages. Prepared forecast and budget projections and conducted variance and scenario analyses. Promoted to Manager.

Performed MSR valuation modeling for mortgage servicing portfolio and servicing acquisitions. Coordinated bulk servicing sales and acquisitions. Trained and supervised staff.

Six Sigma Green Belt Training, 2009

Ba, Finance

Activities and Societies: Alpha Delta Phi, Finance Club

Project Management Certificate, Fall 2007