Sheila Torres Email and Phone Number

• Managed a team with cross functional responsibilities that provided operational support for multiple products and business areas within fixed income settlements, such as MBS securities, commercial and residential whole loans and warehouse lending.• Enhanced operations model by aligning like processes while reducing costs.• Second level point of escalation for production, system and client related issues.• Provided judgment and solutions based on factual information in complicated and unusual situations.• Identified control deficiencies, created and implemented procedures to mitigate risks and losses.• Influence others through strong communication and diplomacy skills to achieve desired results.

• Liaise between trading, clearance and agents to coordinate the closing of Agency and Non Agency Securitizations.• Reviewed Prospectus material to submit DTCC Eligibility requests.• Coordinate daily cash settlement of Asset Backed and Mortgage Backed loans.• Performed cash and position reconciliations.• Processed principal and interest payments for whole loans positions and mortgage securities.• Provided tactical solutions to improve the operational efficiency of fixed income settlement processes.• Worked closely with warehouse lending clients and agents to ensure delivery of funds.• Trained and coached junior staff on daily functions.• Handled exception based processes, resolved complex inquiries and breaks.

• Acted as liaison between Lender, borrower and signing agent to achieve optimal service levels.• Responded quickly and accurately to customer and client inquires of a more complex nature.• Used various reporting tools to monitor department volume, individual productivity and quality.• Ensured that compliance, client and internal guidelines were enforced and followed.• Motivated staff to work productively and efficiently.• Identified and addressed areas of improvement with staff. Provided feedback so corrective action may be taken.• Prepared midterm and annual employee reviews.Achievements• HSBC/Timberlink Circle of Excellence Award for 2006 2nd quarter.

• Ensure that signed closing packages are delivered in a timely fashion and actively track its receipt.• Audited closing documentation to ensure compliance with government regulations, lender requirements and Title Insurance conditions.• Obtained missing and or incorrect documentation from borrowers and or signing agents.Achievements• One of the twenty original employees, company grew to over 100 employees.• Promoted to team manager 2006.

• Ensured that loans are in compliance with government regulations, private investor and mortgage-backed securities requirements, closing conditions and internal policies and guidelines. • Obtained, reviewed and corrected collateral loan documentation necessary to ensure saleability of mortgage loans, working directly with attorneys, title companies, customers and closing agents as required. • Coordinated and ensured timely receipt of closed mortgage loans from county clerk offices, attorneys, closing agents and title companies. • Ensured delivery of the loan and required loan data to various conduit and private investors within established timeframes. • Maintained a professional relationship with assigned investors in order to achieve superior customer service.• Trained new employees on departmental procedures and government and investor guidelines.Achievements• Promoted to Investor Relations Team- August 2003• Received HSBC TOP TEN PERFORMERS AWARD - February 2003• Assisted in the execution of a successful multi-million dollar service released bulk loan sale• Assisted in the preparation of over 25,000 assignments