Reginald Exley Email & Phone Number

Texas, United States

Plano, Texas

• Version Release Management – coordinate and advise department management teams of changes to the software and how they may impact business and business requirements.• Assist Compliance and Security in ensuring Encompass is functioning consistently in accordance with applicable laws and regulations relating to mortgage lending and information security.• Root Cause Analysis of system and loan-level functional issues.• Configuration changes to address business requests and requirements.• Configuration testing to verify changes made function as designed and in accordance with business requirements.• System Change Management and record keeping of approved and requested change to the environment(s).• Ongoing development of efficiencies, automation and enhancements through all aspects of the life-of-loan flow.• Custom Input Form and Template development.• All native settings, setup and configuration detail.• Identify areas of opportunity for enhancement of functionality, data integrity, improving the user experience, and streamlining work flow.• Identifies and resolves conflicting requirements.• Change management to work flows and business processes.• Installing and configuring software and hardware• Monitoring system performance and troubleshooting issues• Ensuring security and efficiency of IT infrastructure• Upgrade systems with new releases and models

Dallas, Texas

• Create templates i.e. closing cost scenarios, loan programs, etc.• Create custom fields, documents, and data entry forms.• Create business rules to automate calculations and trigger events.• Hands-on software development and testing (Encompass, BytePro and other LOS systems).• Interaction with business units to capture requirements for LOS operations and enhancements.• 2nd and 3rd level support and troubleshooting of LOS.• Testing of new releases and patches.• Integration of 3rd party vendors and services.• Knowledge of Java Script and VB.Net• Works with BytePro and Encompass software systems. • Participated in sprint planning, daily scrums, testing, retrospectives and sprint reviews.• Ensured enhanced processes and services are technically, operationally, and legally supported by analyzing and compiling business requirements solidifying successful implementation.• Developed, coordinated, and implemented methodology and scope for multiple complex projects.

Plano Texas

• Reading, interpreting, inputting and maintaining investor product matrices, underwriting guidelines, rate sheets and bulletins in a proprietary product and pricing engine system.• Perform analysis of investor product documentation as it relates to being input and represented in the Optimal Blue system.• Implement and maintain product definition and attributes for a variety of investors.• Implement and maintain underwriting guidelines, LLPA’s and SRP schedules for a variety of investors.

Plano Texas

Highly energetic and dependable Business to Business Account Manager with superb customer service. Adept at working well independently with little to no supervision or as part of a sales team. Technically Savvy, Demonstrates ability to build and expand new opportunities within an existing client base. Outstanding relationship building, training and presentation skills.• Successfully trains and supports multiple customers with various levels of sophistication.• Designs training sessions to instruct new customers on the optimal blue system and to adapt the system to the varying lender business models of our customers. • Expert in the optimal blue system and products.• B2B sales and negotiations with decision makers at many levels.• Maintains a relationship with all customers, proactively informing them with tips and suggestions to use the system to its full capability.• Demonstrates excellent customer service by treating all customers in an appropriate and professional manner.• Obtain customer feedback in order to enhance relationship to use the system to its full capability.

Frisco Texas

A hands-on professional with a fervent work ethic and the ability to adhere to both best practices and company policies. An expert in combining financial and business planning with tactical execution to optimize long term gains in performance, revenues and profitability. Meets customer requirements by directing staff, developing and implementing purchasing, logistical, and production systems. Exceptionally quick ability to focus and execute pivotal priorities. Decisive, efficient team approach, with outstanding communication skills. A Track record of building and operating successful and profitable organizations.• Works closely with the owner on manufacturing plans, goals, and future product innovations.• Manage employees and hands-on operation of the company’s manufacturing function, whether in-house or sub-contracted. • Ensures that, as the company grows, manufacturing capabilities meet or exceed all industry and customer requirements for cost, quality and responsiveness.• Plays an active role in senior-level negotiations with client companies and manufacturing partners.• Directs all production control, production process development, quality systems, purchasing, and shipping/receiving activities.• Partners with sales team to meet with customers to discuss and set scheduling timelines for product delivery.• Successfully marketed the companies brand to largest automotive retailer in the U.S. which steadily generates revenue increases.

Irving, Texas

Evaluate, approve, and underwrite complex consumer loans, adhering to company and industry guidelines. Served as a subject-matter expert, assisting with difficult problems and questions, handling escalated calls, providing work direction, and training to underwriting staff. Coach and mentor lower-level underwriters on decision-making and departmental processes and policies. Facilitates highly effective technical training to ensure organizational consistency. Responsible for any changes in underwriting provisions and policies. Works with production to resolve issues and create solutions.• Applied sharp organizational, analytical, and multi-tasking abilities while executing second-level reviews on numerous loans submitted for denial, cancellation, second signature, and counteroffers. • Led reviews and analyses while performing appropriate high-cost, APR, amount financed, and state predatory test, adhering to a stringent compliance review system. • Maintained a dynamic dialogue with senior management and an active role in evaluating and structuring transactions, utilizing Fannie Mae and Freddie Mac lender guidelines with signing authority up to $1.5M, averaging 8 files per day. • • Coach and mentor lower-level underwriters on decision-making and departmental processes and policies. Facilitates highly effective technical training to ensure organizational consistency. • Responsible for any changes in underwriting provisions and policies. • Works with production to resolve issues and create solutions.• Won Customer Service Award in July and August of 2013 for outstanding performance building and managing customer relationships, and effectively managing time and client commitments. Achieved outstanding underwriting results.• Won recognition as Top Producer in June and July 2013.

Irving, Texas

Implemented complete set-up of a Mortgage Banking Lender. Set up and maintained warehouse lines of credit and created process, workflow, company procedures and audit guidelines. Demonstrates ability to motivate staff to maximum productivity and control costs through the most effective uses of the workforce and available resources.• Developed and implemented business model that included development of policies, guidelines, workflow and budget for the department.• Oversaw all banking and warehouse lines of credit, provided over all financial oversight and lead budgeting process. • Managed, production, funding, and sales, Creating employee friendly work environment where employees could flourish, in return providing good loan quality with low overhead.• Created and managed internal and external sales groups that exceeded owner’s production goals within the first months of developing company.• Worked with secondary and investors in the sale of individual loans or bulk packages.• Review and analyze financial reports, performed weekly audits with branch managers, leading to better performing, more informed and educated sales group, which resulted in increased productivity.• Resolved all escalated issues, by reviewing disputed underwriting file decisions, making final decision and communicating result to appropriate manager, sales person or customer.• Licensed Company and all loan officers, proficient with NMLS systems.• Monitored and managed lead management systems to ensure effective return on investment.• Handled all logistics, lease negations and set up and installed IT networks for 2 branches.• Delegates to subordinate corporate branches authority for administering activities and operations under their control.

Irving, Texas

Spearheaded and started the company from the ground up and expanded the operation into a highly profitable business with over 793 loans and more than 9 million dollars in servicing. Involved in the legislation, best practices and growth of the tax lending industry. Oversaw the day-to-day operations of the business to include marketing, sales, loan ageing, loan accounts and customer service management, and provided overall financial oversight and monitoring. • In charge of all banking transactions and audits including 8 million dollar line of credit. • Managed the servicing, collection and sales of 793 loans.• Created and analyzed financial reports, lead organizational budgeting process meetings and maintained monthly, quarterly and annual banking transactions and records.• Participated in short and long-term strategic planning for the business enterprise.• In charge of REO properties and sales, foreclosures and bankruptcies. • Conceptualized and Coordinated all marketing programs and direct mail campaigns.• Managed reporting and monitoring of organizational performance metrics.• Created company products, policies and procedures, underwriting requirements.• Reviewed and inspected commercial and residential properties as collateral for lending evaluations. • Responsible for telephony and IT functions.• Able to identify areas of strengths and weakness and implement company policies, standards, changes in operation and systems that optimize productivity and bottom line profits.• Provides effective and inspiring leadership by being actively involved in all programs and services, developing a broad and deep knowledge of all programs.

Irving, Tx

Managed team of 8 mortgage loan officers and processor to provide1-4 unit residential home loans for purchase, Texas home equity and refinance mortgage loans. • Reports on branch performance, profitability and expenses through operational reports to senior management.• Supervises daily production, current and past for effective offers, presentations and timely follow up to facilitate sales. • Manages lead distribution. Monitors loan officer contact ratio to maximize production. • Coaches and mentors sales staff to achieve company objectives. • Reviews loan structuring to insure the sales team meets yield and WAC goals. Assigns, directs and reviews all submissions. Assists in sales of loans.• Directly responsible for the hiring, training and promoting of employees, as well as in assigning, directing and reviewing the workflow of the branch on day-to-day bases. Manages branch costs to include site costs, employee salaries, supplies and mortgage leads to ensure branch profit.• Knowledge of Conventional, Non-Conventional and Home Equity Loan products. Knowledge of RESPA, HMDA, ECOA and privacy law practices.

Irving, Texas

Lead team of 11 mortgage loan officers to provide home loans for purchase, home equity and refinance 1-4 unit residential properties. Organize and coordinate loan files in advancement of loan processing and underwriting.Top Sale Manager/Branch Manager in Region, recognized for exception performance in both management and originations.• Supervises the daily operations through pipeline management. Converts existing pipeline to funded loans by managing daily workflow.• Responsible for hiring, training and counseling staff.• Established highly productive client relationships and exceeded service and support levels in a declining housing market.• Review leads daily, current and past for effective offers and timely follow up to facilitate sales.• In Charge of loan structuring and pre call planning. Monitors call reports and conversion data.• Coaches and mentor’s sales staff to achieve company objectives. Assists in sales of loans.• Maintains and monitors the pipeline to ensure that volume and quality consistent with goals. Recommends and implements procedures to correct deficiencies.• Review loans with sales staff prior to submission to ensure program benefits the customer and meets program requirements and guidelines. Works directly with processing manager and underwriters to review problems, identify solutions and resolve delays.

Dallas,Texas

Supervise the daily operations of 10 loan originators and 2 processors. Responsible for mortgage origination, related procedures, oversight, pipeline managements, new loan/new member focus, regulatory compliance, training, communication and member resolution. Direct, develop, motivate, hire and discipline mortgage personnel; write and administer performance evaluations and recommend appropriate personnel actions. Assist employees by answering questions, solving problems and helping with complex work related matters. Provide assistance in resolving member and employee problems and concerns. • Provide day-to-day management of mortgage origination ensuring the department meets organizational financial, operational, service, and growth plans. Ensure timely pipeline processing and accountability. Convert existing pipeline to funded loans by managing daily workflow and loan documents received.• Review re-submitted file or conditions for guideline acceptance; make independent approval decisions based on company-approved LTV's and loan amounts.• Continually builds new business and member relations; promote and maintain a positive image to assigned personnel, members and the community with outstanding customer service. • Provides required quality control review of recently disbursed loans; review and approve underwriting decisions of mortgage loan officers. Ensure compliance with proper disclosure requirements, timing, and all related laws applicable to real estate lending.

Addison, Texas

• Managed a team that included account managers, registration and lock desk.• Underwrite mortgage loans up to the amount assigned per credit policy. Explain loan decisions and explore alternative options to meet members’ needs.• Worked with account managers to receive documents and process pipeline quickly to allow for new files.• Trained employees on product, pricing and aspects of underwriting.• Responsible for converting declined loans into approved loans by finding alternative methods to underwrite file.• Customer relationship specialist. Handled escalated calls and worked with appropriate party for possible resolutions. Worked proactively with business partners to close loans quickly.• Advised business partners of programs and advantages of products and criteria.• Product expert, advised sales people on specific loan programs that would best suit their business partner's needs.• Evaluated risk, and verified loan application information against investor criteria, guidelines and standards, looked for alternative programs to save loans if they could not be approved as they were submitted.• Underwrote and cleared all conditions.• Ordered mortgage Insurance through 3 different MI companies, responsible for compliance to MI companies, Fannie, Freddie, investor overlays and internal guidelines.• Underwrote Conventional, Alt-A, HELOC, and Niche loans. Averaged 8+ loans per day and cleared conditions.

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