Richard Hatheway Email & Phone Number

Chantilly, Virginia, United States

Responsible for lending credit risk and portfolio management for all products. Leads a team of analysts within the headquarters overseeing nation-wide lending.

Mclean, Virginia, United States

• FREDDIE MAC, McLean, VA October 2010 – June 2022Risk Policy Manager, Enterprise Risk Management Division (2019 - 2022)Evaluated the development, design and implementation of tools, policies, and programs that.
• Produced risk analyses for… Show more FREDDIE MAC, McLean, VA October 2010 – June 2022Risk Policy Manager, Enterprise Risk Management Division (2019 - 2022)Evaluated the development, design and implementation of tools.
• Produced risk analyses for new and revised single-family mortgage credit, collateral and fraud policies and initiatives that resulted in identification and mitigation of risk characteristics, performance optimization.
• Wrote and communicated to senior management evaluations for new seller offerings and systems changes in dynamic housing markets and regulatory environments. Resulted in approvals of recommendations for improved.
• Collaborated with audit, modeling, portfolio management, fraud, operations, and compliance to obtain a comprehensive view of policy and process changes and new product implementation, resulting in $1,220 billion in new.
• Influenced line of business strategic decisions proactively by identifying risk factor considerations that would support risk mitigation.

Alexandria, Virginia, United States

• Director, Credit Policy and Risk
• Developed and administered credit policy for consumer loans and automated lending systems.
• Applied credit strategies by integrating decision engines with front- and back-end origination and servicing systems to automate lending processes and member service fulfillment.
• Managed team of six modeling and credit analysts to optimize automated decisioning rate while improving credit quality.
• Implemented portfolio management policies for… Show more Director, Credit Policy and Risk
• Implemented portfolio management policies for consumer, first mortgage and home equity products.

Developed, administered, analyzed and validated credit scoring and loan application processing systems to meet regulatory, credit administration and production requirements. Performed statistical analyses of application and portfolio characteristics, results and trends to evaluate scoring performance and develop strategies. Managed consumer loan processing.

System administrator and analyst for Community Lending loan application processing, scoring and underwriting systems. Administered and updated customized application processing system to meet regulatory, production and marketing needs. Produced system reports and analyses for application production and loan performance and trends. Developed credit score.

Managed commercial overdraft product portfolio and staff, including training and oversight of underwriters. Oversaw application processing and monitored delinquency levels. Assisted in development of automated small business loan application processing, underwriting and scoring systems. Previously, recommended approval or declination of moderately complex.

Evaluated for purchase decision the credit and property risk of residential mortgage applications. Reviewed all aspects of loan file, including employment, income, assets, obligations and security, in order to assess creditworthiness and conformity to guidelines. Performed analyses of qualifying ratios, historical asset and debt structure and usage, and.

Produced monthly problem loan reports for senior management including problem loan lists as well as aggregate non-performing asset reconciliations and funds flow analyses. Assessed overall credit quality trends and reserves for loan losses for FAMC's District of Columbia subsidiary. Additionally, affected classified loan risk rating changes, charge-offs.

Responsible for immediate supervision of designated group of commercial Credit Analyst Is and Trainees. Duties included distribution of work, instruction and assistance in preparing credit analyses and financial spreadsheets and reviewing work submitted by group. In addition, performed comprehensive reviews of financial outlooks of borrowers within a.

Performed credit and financial analysis, evaluated real estate collateral and negotiated alternative avenues of financing for $20 million in residential mortgage loans per month