F. Scot S. Email & Phone Number

El Paso, Texas

Responsible for all phases of loan servicing for the US Small Business Administration Disaster Loan Servicing Center located in El Paso, TX. Responsible for loan delinquencies, risk minimization and personnel management. This is one of two disaster loan servicing centers in the United States. This center is responsible for all loans originated west of the Mississippi as well as Puerto Rico and other US territories. As the #3 manager in the office I am responsible for production of staff as well as planning for future growth, modernization of Center systems through guiding IT staff with current and design of proposed systems.

Independent U.S. CPA firm.Risk Management / Banking and business auditsRemote review and audit of bank, loan and escrow servicing and reconciliation of business accounts.

Dallas/Fort Worth Area

Government agency providing disaster loans for individuals and businesses.Commercial UnderwriterManaged underwriting of disaster loans for businesses. Supported rapid restoration of local businesses to economic normalcy after natural and economic disasters. Performed review of corporate, LLC, LLP, partnership, and sole proprietor applications for credit risk and eligibility. Provided analysis of business income, assets, credit, and business performance to evaluate loan risk for defaults and delinquencies. Achievements:• Provided commercial loan underwriting for businesses to supply working capital. • Analyzed corporate, LLC, LLP, partnership, and sole proprietor financials to assess loan risk.Credit risk | Income analysis | Data integrity | Analytical | Underwriting | Fraud mitigation | Asset evaluation

Dallas, Tx

Independent U.S. government corporation insuring eligible banks deposits against failure and loss. Risk Management / Banking RegulatorDeveloped Asset Risk Management and Compliance for Shared Loss and Purchase and Assumption Agreements. Provided resolution for failed banks, secured real estate loans, OREO, and Dodd-Frank compliance. Directed compliance team on-site bank reviews for reconciliation of loss-share assets. Performed forensic data analysis to determine root cause issues and generated IT reports utilizing Oracle Interfaces to generate database reports. Served as Settlement Manager providing primary contact between client staff and the FDIC for Purchase and Assumption Agreements. Tasked as a liaison between the FDIC’s Executive Management and bank failure team to ensure cost effective resolution. Achievements:• Resolved more than $50 billion in loans and OREO from failed banks. Analyzed ORE assets, Commercial and Residential assets for valuation, income analysis, contractual compliance, and legal resolution.• Served on Management Team completing 35 transactions for more than $26.5 billion in revenue. • Completed detailed risk assessments and developed solutions to remediate and mitigate risks. Determined risk assessment short-comings to ensure data integrity.• Lead Dallas RSAM data risk analysis team providing executive management communications and reporting.• Tasked as a Claim-Agent-In-Charge team leader providing depositor claims expertise. Assisted in claims functions in more than 20 bank closings and served as primary FDIC contact with clients for legal and regulatory issues. Recognized subject matter expert for insurance deposit issues.• Managed bank closings with the Proforma Team performing general ledger reconciliations and creating balance sheets for bank failures.• Coordinated multiple projects maintaining individual schedules, timelines, and planning focused on from planning best practices and lessons learned.

Retail origination of residential loans.Loan ManagerPerformed residential loan origination including evaluation of client financial needs and recommendation of loan programs. Guided loan processes including submission, underwriting, and closings. Achievements:• Provided realtors and referral partners training for accurate financial decision making.Motivated | Proactive | Meets customer needs | Excellent Business knowledge | Business development | End to end follow-through

Oldsmar, Fl

Managed personnel and operations, end to end for correspondent lender.Maintained personnel management and administration including hiring and training 45 loan officers, underwriting staff and the loan processing team employees. Developed customized employee training for technical compliance including income calculation, evaluation, loan programs, pricing, and loan software. Provided continuing education for new loan programs and compliance requirements.Achievements:• Performed analysis of Commercial Loan Origination and Underwriting for loans including Small Business Administration Loans, Residential and Commercial Development, Destination Hospitality Development, Construction, Multi-Family, Office, Mixed Use, and Residential Development.• Managed origination for Residential Loans including FHA, VA, FNMA, Freddie Mac, Alt-A, Sub-Prime, Construction-Perm, and Reverse Mortgages. Recognized with advancement from loan officer to Executive Vice President.• Maintained compliance with federal and state compliance requirements and reporting.Reliable business knowledge | Leadership | Underwriting | Performance Metrics | Credit Risk | Relationship Management | Marketing