Providing financial and pricing analysis to help our partners offer competitive financing options to their customers.

• Set and implemented pricing initiatives and strategies working closely with sales and finance executives to meet companies’ aggressive plans.• Go to source for all things margin and pricing related, set, recommend, and track margins to adapt to ever changing pricing and competitive environments.• Worked closely with cap mkts/secondary, technology, product, sales, and FP&A to make sure initiatives are successful.• Responsible for coming up with strategies to grow volume and increase revenue, and to then drive those plans through adoption, committee approvals, implementation, and tracking. • Used influence and strong relationships with sales to convince them to adjust margins and pricing exception behavior from an approach of high margin/high pricing exception to competitive margins with low pricing exceptions. • Lead pricing and margin related projects and serve as a subject matter expert for projects that will affect pricing. • Provided competitive intelligence, revenue, and volume metrics to key decision makers.• Responsible for obtaining and maintaining competitive intel and reporting to executive leadership on trends, analysis, and areas of opportunity.• Main contact for updating capital markets executives and C suite on the state of the channel and providing valuable information on the health of the organization.• Assisted sales with providing incentive and prospect pricing to help attract and recruit loan officers.

• Tasked with developing new margin strategies to help profitably grow the TPO sales channels, was directly relied on to help the company reach 60B in fundings.• Created a customer specific margin structure for the bulk mandatory delivery expanding from two margin tiers to over 500. This allowed for each customers margins to be set based on a number of different factors including quality of loans, volume/revenue opportunity, and price sensitivity.• Worked with Wholesale leadership to derive strategies to retain AEs and grow share to company records.• Lead project manager/SME for a new bulk software solution that has dramatically improved the bidding process, freed up FTE resources, and allowed Caliber to be more competitive and grow market share.• Grew Correspondent bulk share from <1% to 11% and increased win rate significantly by developing formulas to analyze characteristics of loans to find areas where Caliber could gain a competitive edge.• Created a new reporting suite for Wholesale executives that depicts both short and long term share and margin trends, giving sales the background to see how margin changes affect volume. • Completely revamped the Correspondent best efforts margin structure to allow sales to get more specific with client placement.• Helped the Correspondent business reach 3+ billion in funded loans per month for the first time ever by employing strategic margin plays to grow incremental volume.• Managed a large team of associates ranging from senior business analysts to mortgage traders. • Oversaw the bulk trading desk and all functions from bidding, confirmations, pair-off’s, and substitutions.• Tracked and analyzed customer behavior to evaluate the price elasticity of each customer to allow more profitable management of clients. • Built reporting and monitored trends to ensure that Caliber wasn’t being adversely selected.

• Developed and disseminated analysis of trends, events, and major competitors in first mortgage.• Worked with sales executives to help them understand BAC competitive position and build confidence around the data provided. Educated sales on the full product suite and advantages over other lenders.• Proposed and implemented several initiatives that generated incremental annual revenue of $75MM. Drove proposals that increased BAC market share on Conforming and Non-Conforming products.• Conducted scenario analysis, incorporating the impact of pricing, fulfillment, sales, and product proposals. • Developed and presented analytics to support/validate current assumptions in pricing, such as elasticity, pricing exception targets, and variable expenses. • Worked with pricing vendors (ICON Advisory, Heitman Analytics) on ensuring pricing was captured correctly, attended quarterly meetings around competitive intelligence, analytics, and market trending.• Worked closely with Secondary Marketing and the Corporate Investment Group to eliminate overlays/assumptions that were holding back responsible low risk lending. • Regularly met with modeling/optimization team to understand pricing outputs and ensure sound decisions are made.

• Involved in all aspects of selling, originating, pre-qualifying, processing, underwriting, and funding of loans • Consistently 125% above the average in sales and volume(2008-2009)• One of the top producers in the entire department in March and June of 2008, February, March, April, July, October, and December of 2009.• Led team to meet and exceed goals by over 25% (Jan 08-June of 2008)• I was one of few selected to train and coach associates in California on how to successfully navigate and master the new sales operating system.• Member of Bank of America’s Action team- I helped come up with ideas to make BAC a better place to work and to make sure MLO’s voices and concerns were heard.