Management of the overall mortgage loan acquisition process, including due diligence reviews and relationships from both a credit and collateral perspective, identifying and addressing unique assets and attributes, participation in development of tools to communicate risk, and ensuring the timely purchase of assets.

Asset and investment manager providing complete underwriting, market research, due diligence, financial and legal reviews for potential purchase of distressed non-performing loans and real estate owned properties. Management and disposition of assigned real estate owned assets. Daily asset management of Builder/Developer Joint Ventures.

Credit/Risk analyst for select builder, developer and equity investments with commitments over $300 million, peak principle outstanding over $197 million securing over 360 individual projects. Prepared written analysis of financial condition of borrowers, profitability analysis and market research and made recommendations to loan committee regarding actions for proposed and existing agreements. Performed due diligence examinations on potential customer management, operations and projects. In depth understanding of legal agreements for assigned credits which ensured borrower, sponsor and project compliance with agreement covenants and requirements. Monitored customer and project performance. Performed audits of customers and led participant operational procedures review to ensure compliance with agrementents. Disposition of assigned assets which reduced commitment exposure by 80% and principle balance exposure by 90%.

Managed operational team servicing multiple credit facilties with commitments over $870 million , $610 million in peak principle outstanding and over 490 projects. Prepared and monitored development plans for associates which ensured relevant knowledge, skills and proper working environment providing superior customer service while minimizing position turnover. Working knowledge of legal agreements for all assigned credit facilitites and development of individual borrower servicing manuals. Developed and tracked data standards for operations group that ensured accuracy in all sysytems, files, servicing manuals and reports. Completed special projects for group including Project Managment manual which streamlined system developments and technology enhancements. Ensured monthly interest and fees billing were correct and collected on time. Progressively took on more responsibility within the group, beginning in a loan administrator position and ending as a Team Lead. Developed internal team member as my replacement in order to pursue new opportunity within the group.

Led due diligence and funding of bulk negotiated transactions of conforming, non-conforming and scratch and dent mortgages. Managed special project to evaluate and expedite loans of un-sale able quality and worked with Treasury department to move through pipeline. Developed process flow strategies between Mortgage Finance, Collateral Disposition and operations groups through development of loan delivery procedure manual. Progressively took on resposnsibility, beginning in a mortgage loan data entry position to negotiated transaction lead.

Contacted current and potential borrowers for refinance opportunities. Contacted borrowers regarding payment status and developed payment plans where required.