Scott Kelly Email & Phone Number

Washington, DC, US

Washington DC-Baltimore Area

• Business advisory firm providing strategic advice, technical expertise and engagement execution to financial institutions and government agencies.
• Analyze counterparty financials to assess risk and compliance to loan and grant programs successfully closing out two rounds of program funding.
• Evaluate DSCR, TIER, current ratio, and cash position metrics to determine counterparty sustainability in stress economic scenarios with a consistent agreement rate on QC reviews.
• Collaborate with other stakeholders influencing improvements in analytics and quality.

Georgia, United States

• A 501(c)(3) non-profit dedicated to fighting fraud related to real estate transactions and mortgage lending in the State of Georgia.
• Led the business of the non-profit successfully growing the member base by 50% while achieving efficiencies in expense control.
• Restructured the strategic direction of fundraising, creating a sponsor-centric revenue platform, resulting in improved value to member base and corporate sponsors.
• Collaborated with industry partners, government agencies, lawmakers, and community groups to address and combat fraud in real estate and mortgage transactions, achieving a ten point drop in state fraud rankings.
• Planned conferences and public speaking events increasing awareness of fraud in real estate and mortgage transactions, earning continuing education credits for Attorneys and Certified Fraud Professionals.

Alamo, California, United States

• An independent mortgage banker closing more than $8B annually in conventional, government, jumbo non-QM, and second mortgages.
• Implemented corporate risk standards through the Risk Management Discipline that advanced underwriting quality and reduced suspense items by over 50%.
• Developed staff into high-performing teams creating collaborative, efficient, and best-in-class client experiences while improving SLAs.
• Analyzed loan processes, identified operational options for efficiency and implemented changes, meeting objectives of creating more consistent productivity and outcomes during historically high volume.
• Coordinated, planned, and managed credit risk projects and operational exams with internal audit, GSEs, and investors, successfully remediating findings.

Washington, District Of Columbia, United States

• A government sponsored enterprise (GSE) committed to facilitating equitable and sustainable access to homeownership and quality, affordable rental housing.
• Led the end-to-end risk relationship with executive leadership at national account lenders resulting in an overall increase in volume, while improving profile and portfolio performance.
• Influenced lender risk support strategies during MORA, counterparty, quality assurance, and annual contract reviews creating a trusted advisor relationship.
• Collaborated with Legal, MBS Policy, Credit Policy Exception Management, Risk Management, Capital Markets, Operations, and Pricing Strategies, to evaluate unique program requests, including Community Development, CRA.

Atlanta, Georgia, United States

• A subsidiary of American International Group (AIG) providing credit enhancement to the residential mortgage market.
• Implemented a trailing doc support process for Underwriting Field Offices resulting in 100% increase in support within one year with a 99% quality assurance agreement rate.
• Lead a cross-functional project team to enhance phone system technology, improving the client experience, increasing report data accuracy, and growing client self-service by 37%.
• Created a culture making Underwriting Customer Service a differentiator and competitive advantage through improving service metrics by 80% while seeing a combined increase in department volume of 64%.
• Monitored annual department expenses including travel, entertainment, and staffing, operating within established budget at 100%.

Atlanta, Georgia, United States

• Implemented multiple development programs including initiatives for new employees, systems and non-systems training, and on-going company and industry changes resulting in a 50% reduction of material underwriting errors.
• Designed analysis reviews and recommendations to align with objectives of the Field Underwriting Teams and established enhanced metrics and scorecards, resulting in a 100% adoption rate by Management.
• Lead the transformation process of traditional brick-and-mortar locations to virtual, at-home, paperless environments resulting in approximately $600,000 in annual company savings.

Executive Education, Short Course Program, Pass

International/Global Studies

Bachelor Of Arts - Ba, Teaching English As A Second Or Foreign Language/Esl Language Instructor