Chosen as the primary project manager to oversee the introduction of Flyhomes Mortgage Wholesale, the fintech company's new third-party origination channel.Oversaw all secondary marking functions, warehouse relationships, servicing and loss mitigation.Increased revenue per loan by over 23% by implementing a dynamic pricing model in Optimal Blue and transitioning to hedging by moving from non-delegated broker to delegated correspondent.Partnered with sales team to create a Broker Desk that specialized in non-QM loans.

Managed the Secondary Marketing department responsible for mitigating risk related to pricing, hedging, and trading all residential loans originated for sale into the secondary market and to ensure compliance with investor guidelines and meeting budgeted secondary profit. Member of the company’s board of directors since 2017.Collaborated with the hedge advisor, Mortgage Capital Trading (MCT), to identify new opportunities to increase gain on sale.- Increased average annual Gain on Sale by 21.9% from 2015-2020.- Weighted average lift over best efforts of 48.7 basis points from 1/2018 to 9/2021.Migrated from LoanLogics’ LoanDecisions Product Eligibility and Mortgage Loan Pricing platform and launched Optimal Blue with custom investors and tailored loan products that are fully integrated with Calyx Point. - Automated lock desk functions that allowed for a 50.7% increase in originations without adding new headcount.Chaired the company’s application to become a Fannie Mae Seller (approved August 2017).

Hedge incoming production with broker dealers and commit closed loans with private investors, Freddie Mac, and Fannie Mae. Released new rate sheets via Optimal Blue for Retail, Wholesale and Correspondent channels.Implemented stand alone Optimal Blue lender site and integrated Encompass SDK.

Managed the risks associated with Secondary Marketing including pipeline and interest rate risk management, pricing, best effort locks, and loan sales to maximize profitability.- Developed and released a fungible conforming product that was saleable to multiple investors.- Revised Lock Policy.- Diversified the investor mix and expanded product line by signing up with 8 new investors.

Monitored Agency, Private Investor, and Mortgage Insurer changes to determine impact on processing, underwriting, origination, closing, shipping and delivery. Presented product changes to the cross-functional Implementation Team. Collaborated with the Product Development AVP to manage timely and effective product delivery and deployment.Reviewed current programs to identify and resolve gaps in product parameters, guidelines, and pricing. Researched market trends, identifies competitive offerings, and gathered data on new programs for senior management.Analyzed servicing data including credit profiles, borrower demographics, delinquency, market factors, and volumes to determine the financial and credit impact of new programs. Maintained and distributed new and revised product descriptions to appropriate team members for both wholesale and retail origination channels. Served as a back-up to the trading department. Updated morning pricing indication spreadsheets. Locked loans with investors, trade loans for cash with FNMA and FHLMC, and executed direct/live/negotiated forward trades for government loans. Provided pricing for mark to market. Implemented MI guidelines and rate card changes when they occur. Maintained MI plans and rates in Fiserv's UNIFI LOS. Compiled and monitored MI risk profile and counterparty limits.Maintained Housing Finance Agency products and made changes as they occur. Researched, developed, and approved new product descriptions for Community Assistance grant programs.Developed reporting tools used within the department and by senior management to measure, inspect and manage risk and maximize profitability.

Created, managed and maintained complex Excel execution models tied to mortgage backed securities pricing utilized for loan level and bulk trade executions and the generation of daily rate sheets.Traded incoming production ($4.2 billion closings in 2007) to Private Investors and Agencies on a mandatory and best effort basis. Followed up on all trades performed and worked closely with Management and the Shipping Department to ensure the integrity of the trading process.Priced exception requests submitted to Secondary by Underwriting.Participated in new product launches and program guideline changes as a member of the Implementation Team.Provided analytical reporting and support as necessary with particular emphasis on Private Investor and Agency alternatives.

Supported mortgage production teams (over $1 billion originations in 2006) by pricing daily rates, locking loans, and maintaining pipelines.Reviewed unique loan scenarios with loan officers to identify loan programs that match borrowers’ qualifications and comply with corporate policies while maximizing profitability.Corresponded with Private Investors to resolve funding issues and apply for loan product parameter exception requests.Created a weekly newsletter distributed company-wide to inform sales and operations of updates to Private Investors guidelines, pricing changes, and upcoming economic events.Assisted in the new product and Private Investor roll out process, including effective communication and training of sales, support, and operations.

Marketed custom engineering and software products to the mortgage industry: o Merit Matrix (now owned by ICE Mortgage Technology) – A web-based loan product search engine and product information maintenance service with over 10,000 unique products representing over 100 correspondent and wholesale Private Investors. o Metasystem Mortgage – Loan document imaging and work flow solution for creating and using a digital loan file.Lead project manager for Merit Pricing, an Internet-based extension to Merit Matrix that performed all calculations and adjustments to price retail rate and point quotes.Conducted process analysis and mapping, managed projects, and administered user acceptance testing.