Todd Stiverson Email & Phone Number

Consultant for the Financial services market, specializing in the mortgage industry. Main client MetLife Home loans where I assisted with the build-out of a new consumer direct group assisting in strategic development, POS Replacement, reporting, metrics development, process flow re-engineering for both efficiency improvement as well as compliance.

Business head for operations of 16 states. Interact with 1,000 offices and 20,000 field agents.Accomplishments: - Introduced “raving fans” customer service initiative resulting in customer satisfaction scores of over 97% from independent surveys. - Turned around operation performance from last in 2001 to national leader three of last four years. - Established Advanced Sales Group resulting in 15% reduction in 16+ pipeline with a 20% increase in average daily sales. - Initiated process optimization project that achieved 10-day, 28% reduction in cycle time by focusing on process reengineering, vendor support and performance management. - Managed international project to review outsourced support for underwriting functions resulting in more efficient use of local underwriting staff. - Developed change to verification policy, adopted company wide, saving over 1,700 man hours annually.

Managed Northeastern region operation and conversion to centralized call center. Consolidated two origination operations into single regional operation.• Created a management reporting system which eliminated manual redundancy between departments and reduced error rates in processing.Accomplishments: - First year volume increase of 126% to $248.5 million with only a 72% increase in applications. - Improvements continued with 2002 volume 32% higher than 2001 with only a 3% increase in applications. Volume in 2005 surpassed $800 million in originations. - Introduced client briefing program increasing client interaction with production team. Combined with process flow reengineering improved booking efficiency 23% from 2001 to 2002. - Identified expense opportunity and negotiated agreement with largest vendor resulting in over $400,000 in annual cost savings.

Startup mortgage operation with cross-sell strategy initiative with Citibank Credit Cards. • Managed all facets of operation, including: budgeting, incentive planning, recruitment, business development, performance enhancement, processing, booking and funding. Included 6 directs and 55 indirect employees. Expense budget over $1.5 million annually.• Developed top performing sales team with average of sales staff production surpassing top producer from only other origination location in US for this program. Accomplishments: - Developed and implemented call routing activities and process flows, resulting in growing start-up operation to $71 million annual originations. - Awarded National “Top Performing Sales Center award for 2000.

• Led start-up cross sell mortgage initiative and managed all facets of operation, including development of internal process work flows.• Full service responsibility including servicing of portfolio.Accomplishments: - Tripled applications, consolidated locations, reduced incoming phone traffic and relocated to largerfacility.

• Life/Health and Property/Casualty licensed. • Led state in production resulting in promotion to largest branch in state to revive results- Full service Finance office including portfolio servicing

Branch Manager (1991-1993)Management Trainee (1989-1991)• Youngest trainee promoted by Regional Manager and later moved to largest branch in area.

Master Of Business Administration - Mba

Bachelor Of Business Administration - Bba, Finance, General

Activities and Societies: Varsity Soccer Graduated Cum Laude