Stephen Hewins, Cude Email and Phone Number
El Paso, TX, US
Stephen Hewins, Cude's Location
El Paso, Texas, United States, United States
Stephen Hewins, Cude's Contact Details
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About Stephen Hewins, Cude
NMLS# 423436Successful Global Lending Executive with a comprehensive background in Real Estate, Residential and Commercial Lending focused on business profitability and transformational strategies while maintaining operational performance with solid risk controls. A strong acumen to exceeding client service level expectations after years of executive leadership in various Global BPO outsourcing organizations. Progressive functional and executive manager for both sales and operations over multiple channels (direct to consumer, in/outbound call center environments, traditional retail, wholesale, correspondent, and commercial) for federally chartered depository institutions, state chartered depository institutions, and independent state licensed organizations. A unique history built on multiple career successes evolved from a special assignment which morphed into a permanent Corporate Merger and Acquisition leadership role. The fortitude to conquer these challenges was quickly recognized by Leadership spring boarding into a Senior Strategic Execution role which ultimately led to a new IT eCommerce Division role. The diverse path covering multiple verticals and disciplines was unique and has created a one-of-a-kind career development experience and shaped perspectives that have molded an excellent “Fixer and Builder” type leader with a proven track record of being capable of solving problems and thinking creatively “out of the box” to develop and implement innovative ecospheres that promote and drive bottom line results. Recognized leader in organization’s cultural transitions, building strong employee engagement and individual development while building succession plans for the future organizational health. B.S., Marketing from the University of North Carolina at Wilmington.Specialties: lending, residential mortgage, commercial lending, business process outsourcing, global outsourcing, direct to consumer, in/outbound call center environments, traditional retail, wholesale, correspondent, commercial, mortgage operations, fulfillment, operations, technology, process improvement, process reengineering, change management, mergers and acquisitions, integrations, business analysis, technology integration, sales support, production support, reporting, mortgage systems, AUS, marketing, market research, employee engagement, individual development and cultural transitions
Stephen Hewins, Cude Work Experience Details
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Vice President, Real Estate And Business ServicesRaiz Federal Credit UnionEl Paso, Tx, Us -
Vice President, Real Estate & Business ServicesRaiz Federal Credit Union Mar 2023 - PresentEl Paso, Texas, Us
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Svp, Cu Members MortgageCu Members Mortgage Jan 2018 - Feb 2023Division Leader for CU Members Mortgage a Multi-Channel (Direct Lending, Wholesale, and Correspondent) outsource provider exclusively providing mortgage solutions to Credit Unions nationwide. Leading divisional strategy, Business Development, Credit Union Sales, Member Sales, Client Engagement, Production Operations, CU Members Marketing, and other production functions. Key Achievements: · Built and nurtured a sales culture focused on individual accountability and operational excellence · Successful launched a new Loan Origination System, Point of Sale, Imaging and Client Relationship Management System for business unit and client base
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Vice President Global FulfillmentTrelix Oct 2013 - Jan 2018Plano, Texas, UsBusiness Unit Executive for Altisource Origination Services - leading associates across multiple global sites in the successful execution of the AOS Services including: Contract Underwriting, Processing Services, Correspondent Platform, Correspondent Purchase Review, Quality Control (Pre &Post Fund), Bulk Due Diligence and Rating Agency Due Diligence. Focus on business profitability and transformation strategies while maintaining operational performance with solid risk controls and exceeding client service levels.Key Achievements: · Created several new product offerings including End-to-End Fulfillment, Processing Services, Correspondent Purchase Review and Rating Agency Due Diligence service. · Expanded product offerings to include: Consolidation Extension and Modifications Agreements (CEMA), Cooperatives (Coops), Manufactured Housing · Launch of the Trelix Brand -
Vice President, Director Of Business Outsourced Operations ManagementGreen Tree Servicing, Llc (Formerly Gmac Rescap) Aug 2012 - Sep 2013Consumer Lending leader of outsourced business relationships for Processing, Closing, Title, Underwriting, Loan Setup, Document Imaging and Indexing, Credit, Merchant Services and Appraisal supporting the Direct to Consumer and Retail Divisions. Responsible for vendor strategy, vendor governance, and operational oversight of vendor partner’s activities and for vendor loan quality. Also, responsible for the Centralized Operational Support Team and Consumer Lending Operational point person on workflow design and deployment of Ellie Mae’s Encompass360.Key Achievements: • Improved Vendor Processing loan quality from below 50% to over 85% Pre-Close Quality Audit scores in <6 months• Increased Vendor Processors “Sent to Close” per person per day from .46 to over 1.0 • Transformed an under utilized team of Business Operations Outsourced Managers to a high performing cohesive unit • Led a Transitional Oversight Team of licensed Mortgage Loan Officers for regulatory review pipeline transition of 10,400 units from GMAC ResCap to Green Tree
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Evp Of Origination & Conduit ServicesLenderlive Network, Inc. Dec 2010 - Aug 2012Glendale, Colorado, UsOrigination and Conduit Services channel owner. Motivated, evaluated, delegated and monitored activities of division’s staff across multiple sites: including originations, processing, team support, underwriting, closing, post-closing, loan delivery, secondary marketing, training and client implementations. Ensure all operational activities meet quality, compliance and corporate risk guidelines. P&L responsibility to oversee and control departmental expenditures and budgets. Focused on continuous process improvement strategies. Established and maintained appropriate internal controls and external service level benchmarks. Oversaw senior management recruiting and retention of talent for Origination and Conduit loan fulfillment operations. Key Achievements: • Created a profitable division within 12 months, after 2 years of consistent losses • Drove average cycle time to under a 35-day avg. from a high of over 60-day avg.• Relaunch of an improved purchase program for community banks and small regional clients -
Director, Mortgage And Home Equity Post-Funding LeaderCapital One Aug 2010 - Dec 2010Mclean, Va, UsConsultant engaged for complete overhaul of Mortgage platform focused on the establishment centralized sites for Post-Closing, Shipping, Delivery, Lock Desk, Construction-Perm and Quality Control in Capital One’s Mortgage and Home Equity Lines of Business. In addition, led several work streams for Capital One Home Loans Operational Growth Initiatives including Capital One Rapid Enrichment program for accelerated onboarding of associates, the Operations Well Managed Project Sprint, preparation of operational workflows to support new jumbo investors, and audit responses and meetings for OCC and other regulatory examinations.Key Achievements: • Stood up 3 new departments with over 65 employees in a new location within 45 days • Established a Pre-Close Quality Loan Program within 60 days -
ConsultantNextsource Apr 2010 - Aug 2010New York, Ny - New York, UsConsultant engaged for complete overhaul of Mortgage platform focused on the establishment centralized sites for Post-Closing, Shipping, Delivery, Lock Desk, Construction-Perm and Quality Control in Capital One’s Mortgage and Home Equity Lines of Business. In addition, led several work streams for Capital One Home Loans Operational Growth Initiatives including Capital One Rapid Enrichment program for accelerated onboarding of associates, the Operations Well Managed Project Sprint, preparation of operational workflows to support new jumbo investors, and audit responses and meetings for OCC and other regulatory examinations.Key Achievements: • Stood up 3 new departments with over 65 employees in a new location within 45 days • Established a Pre-Close Quality Loan Program within 60 days -
Program Manager, Senior Vice PresidentWachovia, A Wells Fargo Company Apr 2008 - Apr 2009San Francisco, California, UsCross-Enterprise Interim Assignment as program manager and operational readiness work stream lead for a project focused on the deconstruction of the $120 billion Pick-A-Payment mortgage loan portfolio to mitigate enterprise liquidity risk and preserve capital. Responsible for launching three pilot loan fulfillment sites and two mega sites supporting refinance and modification origination (retail & call center), processing, underwriting, closing, and government insuring for the Pick-A-Payment Refinance Program. Provided leadership in the creation of a new manufacturing fulfillment process flow, marketing, model design, training, capacity, job descriptions, and compensation plans. Coordinated investor and government regulatory approvals for program. Deployed both sales and loan fulfillment technology.Key Achievements: · Origination of 50,000 FHA and Fannie Mae refinance and modification applications of distressed assets in 8-month period that met an enterprise need to refinance or enhance corporate understanding of assets position. · Launch successful pilot to originate 1,100 units using 3 existing geographical sites in 30 days.· Opened 2 Mega Sites supporting origination and fulfillment activities with over 700 FTEs in under 60 days.· Expanded initial program launch to include: Consolidation Extension and Modifications Agreements (CEMA), Cooperatives (Coops), and Manufactured Homes -
Head Of Strategic Planning, Senior Vice PresidentWachovia, A Wells Fargo Company Dec 2006 - Apr 2009San Francisco, California, UsSenior leader responsible for prioritizing and executing the corporate strategic plan for the wholesale, correspondent, and construction lines of business. Set the strategic direction for the Business Unit’s technology platform. Additional responsibilities included sales and production support, the Client Help Desk, Corporate Program Office, strategic and production reporting, outsourcing, off-shoring, and vendor management.Key Achievements: • Created a new client web site designed to support a $50+ billion origination and fulfillment platform. Key web site features included an automated underwriting tool and a highly sophisticated pricing optimization model.• Launched a new broker scorecard that capsulated the client relationship measuring broker performance, loan quality, and profitability according to criteria derived from strategic plan resulting in the termination of over 36% of the client base after 6 month period for sub-standard performance.• Overhauled reporting infrastructure; including centralized reporting model, dynamic report generation, and deployment of a new data warehouse which enabled a 50% reduction of the reporting infrastructure. • Deployed quick hit enhancements to existing web site that drove adoption rate above 90% in fewer than 6 months prior to launch of new client website.• 2008 and 2009 Vertice Support Group of the Year (Strategic Reporting)
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Wholesale Strategic Initiatives Leader, Vice PresidentWachovia Bank 2005 - 2006San Francisco, California, UsProvide oversight and facilitate prioritization of the division’s Strategic Plan. Serve as the business unit sponsor of the strategic initiative projects. Owner of the division’s client web portal. Liaison between line of business and technology partners. Manage the division’s Strategic Reporting Group, Data Systems Administration Team, Central Pricing Unit, and the Training Department. Key Achievements: • Launch of the Alternative Lending Product Suite (Alt-A) in less than 90 days resulting in $726 million of volume in 6 months. (representing 35% of the division’s total production)• Deployment of broker and correspondent web portals; achieving 95% utilization and reduction in Central Pricing Unit staffing from 25 to 4 FTEs in 6 months.• Established new loan brokering process in less than 45 days for legacy World Savings Retail and Wholesale loan originators to take applications.• Migrated the centralized equity product fulfillment to regional operational centers 30 days ahead of schedule.• $2.5 million underwriting authority
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National Operations Coordinator, Vice PresidentWachovia Bank 2003 - 2005San Francisco, California, UsSenior administrator for 10 Wholesale, Correspondent, and Construction-to-Perm Operations Site Leaders in managing daily operations. Provided guidance in driving offices to achieve operational goals (turn time, cost per loan, loans per FTE, loan quality measurements, and profitability.) Reengineered office workflow design and process flow. Interim management coverage and transitional management in operations sites. Owner of the division’s web portal. Business Sponsor on all divisional initiatives and operational projects. Key Achievements: • Introduction of Live Meeting resulting in reduced costs for the division for leadership meetings and training delivery. Annual cost reduction of over $800,000,000 annually.• Integrated SouthTrust Wholesale Mortgage organization into Wachovia Third Party Lending; meeting corporate budget forecasts, scheduled corporate conversion timelines, and still achieving increased incremental volume.• 2005 Wachovia Mortgage Corporation Diamond Award Nominee – corporate award issued to the individual with the most significant and outstanding non-sales related performance in a year• $2.5 million underwriting authority
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Wholesale Internet Business Segment Manager, Vice PresidentWachovia Bank 2000 - 2003San Francisco, California, UsDeveloped, delivered, and implemented new e-business processes, products, services, and authentication schemes Corporate and Investment Banking (Equity Research), Treasury Services, First Union Insurance Services Agency, First Union Mortgage Wholesale Lending, and First Union Home Equity Bank Wholesale. Managed vendors of third party software and application services. Key Achievements: • Delivered Wachovia Equity Research web site in 2 months providing real time access to over ten thousand research documents for 2,000 institutional and retail clients. • Provided a web-based solution for Corporate and Investment Banking’s Nantucket Equity Conference by introducing a leading edge conference registration and marketing tool for the organization’s flagship event, reducing back office support from 8 FTEs to 1 FTE.• Integrated acquired companies’ web sites (Tribus.com and BenefitAssist.com) into the existing First Union Insurance Services Agency web site 30 days ahead of schedule.
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Wholesale Lending Project Manager, Assistant Vice PresidentWachovia Bank 1999 - 2000San Francisco, California, UsManaged reengineering activities for 6 regional operations centers to standardize workflow procedures and create operational and technological efficiencies.
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Mortgage Product Development Leader, Assistant Vice PresidentWachovia Bank 1998 - 1999San Francisco, California, UsManaged a department of 8 professionals responsible for the prioritization, development, and implementation of over 24 new mortgage products. Oversaw the development of all operational guidelines, system changes, marketing materials, and product training related to the implementation of new products.
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Mortgage M&A Transition Leader, Assistant Vice PresidentWachovia Bank 1997 - 1999San Francisco, California, UsLed due diligence efforts to identify, quantify, and mitigate the risk associated with the purchase of target organizations. Developed the transition plan, managed the integration, and post-merger activities. Led other non-merger related special projects including process improvement and the sharing of best practices within residential lending division of the mortgage corporation.
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Corporate S.W.A.T. Team, Assistant Vice PresidentWachovia Mortgage 1995 - 1996San Francisco, California, UsActed as lead for the key projects for the residential lending division.
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Post-Closing Manager, Assistant Vice PresidentWachovia Mortgage 1992 - 1995San Francisco, California, Us
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Mortgage Loan CounselorGoodspeed Mortgage 1992 - 1992Retail sales volume averaging $1.3 million monthly production
Stephen Hewins, Cude Skills
Product Management
Product Development
Program Management
Change Management
Commercial Management
Telecommunications
Vendor Management
Process Improvement
Mortgage Lending
Credit
Mortgage Banking
Banking
Loans
Risk Management
Loan Origination
Crm
Business Analysis
Underwriting
Strategic Planning
Portfolio Management
Team Building
Training
Sales
Analysis
Mergers And Acquisitions
Financial Analysis
Marketing Strategy
Market Research
Operations Management
Customer Service
Coaching
Account Management
Negotiation
Mortgage
Process Engineering
Mergers
Sales Support
Integrations
Technology Integration
Production Support
Compliance
Customer Relations
Sales Management
Business Strategy
Budgeting
Forecasting
Problem Solving
Business Planning
Performance Management
Call Center
Acquisition Integration
Mentoring
Employee Relations
Stephen Hewins, Cude Education Details
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University Of North Carolina WilmingtonMarketing
Frequently Asked Questions about Stephen Hewins, Cude
What company does Stephen Hewins, Cude work for?
Stephen Hewins, Cude works for Raiz Federal Credit Union
What is Stephen Hewins, Cude's role at the current company?
Stephen Hewins, Cude's current role is Vice President, Real Estate and Business Services.
What is Stephen Hewins, Cude's email address?
Stephen Hewins, Cude's email address is steve.hewins@cw.com
What is Stephen Hewins, Cude's direct phone number?
Stephen Hewins, Cude's direct phone number is +170490*****
What schools did Stephen Hewins, Cude attend?
Stephen Hewins, Cude attended University Of North Carolina Wilmington.
What skills is Stephen Hewins, Cude known for?
Stephen Hewins, Cude has skills like Product Management, Product Development, Program Management, Change Management, Commercial Management, Telecommunications, Vendor Management, Process Improvement, Mortgage Lending, Credit, Mortgage Banking, Banking.
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