Robert Zibbel Email & Phone Number

West Palm Beach, Fl, Us

West Palm Beach, Florida, United States

West Palm Beach, Florida Area

Responsible for data management and evaluation activities associated with complex budgetary and financial analysis. Maintained statutory and monetary policy compliance within the Budget Bureau.

West Palm Beach, Florida Area

Oversee and manage daily operations for Counter-Party indemnification process; Increase revenue and maximize company cash flow through defined loss mitigation and claims collections processes (Contract Compliance _ Corporate B2B). Responsible for analysis of mortgage servicing processes end to end, ensuring compliance of regulations/controls/procedures, review of complex loan servicing contracts, collaborative negotiation, implementation of policies/procedures/systems, performance reporting, production metrics, audit investigations, gap analysis & process change.Manage a global team of 8 compliance analysts with duties as described below:

West Palm Beach, Florida Area

• Represent organization in remedy of repurchase and indemnity loan issues – defend loan level representations & warranties• Act as liaison between departments (legal, compliance, risk, QC, etc.), investors, counterparties and third party vendors • Prepare clear and concise analysis for loans believed to contain recourse• Review, research, and validate all GSE fee appeals including but not limited to repurchase late fees, foreclosure timeline penalties, compensatory fees, REO rollback penalties• Conduct Portfolio and Agency scorecard performance reviews• Recommend and communicate appropriate action to management regarding default investigations• Construct operational reporting and manage large datasets for research and investigative analysis• Monitor and test various business line policies and procedures to ensure compliance with the enterprise risk model, while identifying gaps and looking for possible violations of laws or regulations (root cause to minimize fraud, waste and abuse)• Maintain working knowledge of all State, Federal & GSE guidelines/laws/regulations governing the mortgage banking industry (including but not limited to all GSE’s, CFPB, RESPA, TILA, ECOA, FCRA, Fair Housing Act, Homeowners Protection Act, Dodd Frank and other predatory lending laws etc.).• Adhere to best practices and maintain confidentiality of all departmental matters

West Palm Beach, Florida Area

Working closely with executive management, collaborated to develop the business plan that defined the purpose and goals of startup division; established project plans, outlined scope of work, and implemented vision of the Board. Once operational, assigned duties included (but not limited to) underwriting a niche asset product with credit lines between $100K & $5M, conducting credit evaluations, calculating financial ratios and spreads, drafting and administering contract lifecycles, database management, production reporting, overseeing daily operations and ensuring quality of work for 3 team members. Assigned duties:• Oversee daily operations for specialty finance division - Underwrite niche asset product by conducting due diligence and credit analysis; responsible for rendering credit decisions in accordance with secondary market guidelines and corporate credit policy• Understand credit risk & calculation of LTV/DTI ratios, NPV’s, rates of return, operating cash flows and financial spreads• Draft, review and administer borrower credit contracts - Revolving Credit Agreements, Guarantees, Promissory Notes, Securities• Conduct in-depth quality control reviews to support renewal and/or termination; utilize compliance & audit techniques • Designed and published operating procedures, contracts, reports and memorandums • Manage and maintain (as administrator) proprietary functional database console• Service business unit through collections efforts and repayment processing • Monitor market sectors and maintain general business knowledge tied to interest rate risk• Ensure quality of work and implement improvements for revenue growth

West Palm Beach, Florida Area

Business Development. Generated revenue by developing personal and professional relationships through various channels of communications.

B.S., Finance & Business Management

Swing Trading, Equities, Securities, Options

Trading trends based on a combination of technical and fundamental analysis. Bull or Bear depending on market sentiment