Tom Whitney Email & Phone Number

• Implement the strategic direction and manage the overall underwriting process supporting the largest wholesale fulfillment center/division with as many as two Regional Underwriting Manager, five Underwriting Manager reports and aggregate underwriting staff greater than 60 FTE• Create and sustain a lending culture that seeks to balance division leading production, manufacturing quality, with a world class customer experience for our broker and NDC partners• Responsible for average monthly pipeline of 2,311 app units and $816MM• Developed process for tracking both pre-fund and post-close defects with supervisory performance management efforts increasing efficiency more than 30%• Developed tool for quality measurement and trending on a multi-tier level for purpose of tall bar identification and coaching implementation• Partnered with Account Executives through a series of targeted broker site visits resulting in a significant/measurable increase in application volume

• Reviewed, analyzed, and approved large, unusual or complex individual consumer applications for exception to company and secondary investor guidelines related to both qualifying and non-qualifying mortgages• Completed risk-based assessments with a clear and consistent approach to mitigate credit, legal, regulatory and other relevant risks for retail, direct, and wholesale channels• Collaborated with capital markets to identify loan level secondary market opportunities and establish risk-based pricing adjustments

• Ensured accuracy and appropriate course of action for applications with denial recommendations• Assisted post-closing executive leadership in the resolution of secondary market salability issues• Collaborated with sales partners to identify programs and loan structuring options for complex scenarios

• Ensured compliance with all embedded risk-based controls (i.e., complaint capture, multiple leader commit, kept informed routines, call monitoring) with goal of maximizing efficiencies and increasing client delight• Set the strategic direction and manage the overall business process of a large fulfillment center with five Vice President reports and aggregate production staff in greater than 200 FTE• Implemented cost saving measures resulting in a YTD decrease of 9.18% in cost to fulfill• Increased YTD purchase close on time by 21% resulting in a 10.4% increase in customer delight and a 20.2% reduction in problem incidence• Increased YTD production-based metrics by 14% as defined by loans per employee metric

• Ensured compliance with all business-related controls (i.e., UW/MLO Touchpoint calls, Q/C Adherence, ECOA, Fair Lending) to assure a quality loan delivery with decreased cycle times• Created and sustained a lending culture that seeks to balance high credit and manufacturing quality with delivering exquisite customer experience and rendering credit judgment• Ensured the integration as key business partner with the local fulfillment site leader and regional sales leaders• Developed credit strategies that allowed the LOB to optimize the risk appetite of the bank, working in conjunction with LOB, Risk and Finance partners

• Executed the monitoring and meeting of unit goals with respect to regulatory compliance, file delivery, loan quality and deficiencies• Managed the supervision, evaluation, and performance of a unit of 75+ (managers, underwriters, processors, closers) as defined by measurable corporate standards• Collaborated with sales upper management on a national level to increase pull through ratios for some of the most complex purchase/refinance transactions

• Executed the monitoring and meeting of team goals with respect to regulatory compliance, file delivery, loan quality and deficiencies• Managed the supervision, evaluation, and performance of a team of eight to ten employees as defined by measurable corporate standards• Facilitated the implementation and forecasting of a consumer loan pipeline in excess of 300 units• Collaborated with sales partners to decrease processing time while increasing customer satisfaction and referral partner trust