Experience

Consolidated Analytics Consulting & Advisory | NMLS # 1645182

• United States
• Financial Services
• 1 - 100 Employee

• Consultant, Issue Resolution

  • Jun 2019 - Present

  Plano, Texas • Senior consultant on Staff Augmentation Team responsible for process redesign for national mortgage loan servicing vendor. • Analyzed regulatory compliance requirements and assisted with implementation of streamlined review process for loan servicing, provided gap analysis and recommendations to meet regulatory and investor requirements. • Developed action plans to identify, contain and mitigate non-compliance risks.



First Financial Bank Texas

• United States
• Banking
• 700 & Above Employee

• AVP, Commercial & Consumer Lending

  • 2018 - 2018

  Glen Rose, Texas • Oversaw all aspects of issue resolution and remediation for legacy loan portfolio. • Developed and serviced new business (loan origination's). • Performed financial analysis and presented credit decisions to Board of Directors.



SolomonEdwards

• United States
• Business Consulting and Services
• 200 - 300 Employee

• Senior Asset Manager

  • 2017 - 2017

  Houston, Texas Area • Provided in-depth financial analysis of performing and non-performing CRE, SFR and C&I loan assets relating to receivership transactions and a bank closing by the FDIC. • Presented case analysis to Project Manager regarding settlements, compromises and short-term forbearance agreements. • Reviewed and packaged loan documents for sale of assets to third-party investors. • Negotiated loan workouts with Borrowers, monitored loan payments and researched defaults.



Capital One

• United States
• Financial Services
• 700 & Above Employee

• AVP, Unit Manager, Loss Mitigation Servicing

  • 2015 - 2016

  Plano, TX • Directed the Home Equity Line of Credit (HELOC) Management Preservation Team. • Credit Officer and decision maker for reinstatement requests for credit privileges. • Reviewed HELOCs for deterioration of home value and/or credit, mitigating $17M in risk. • Implemented operations strategy decreasing backlog by 311% within nine months. • Developed and implemented automated process for obtaining credit bureau orders, increasing efficiency by eliminating manual orders to a batch… Show more • Directed the Home Equity Line of Credit (HELOC) Management Preservation Team. • Credit Officer and decision maker for reinstatement requests for credit privileges. • Reviewed HELOCs for deterioration of home value and/or credit, mitigating $17M in risk. • Implemented operations strategy decreasing backlog by 311% within nine months. • Developed and implemented automated process for obtaining credit bureau orders, increasing efficiency by eliminating manual orders to a batch upload process. • Partnered with internal auditors to develop, monitor, and maintain controls to mitigate risk, achieving 100% audit satisfactory rating for FY2015.

• AVP, Senior Unit Manager, Home Loan Servicing

  • 2012 - 2015

  Plano, TX • Led multi-state team of managers with 30+ production associates, including cross-functional team of Operations Analysts, Data Analysts, and Process and Project Engineers. • Responsible for multiple commercial and consumer mortgages departments, including Home Loan Default and Servicing, Back-End Operations, Consumer-Facing Communications, and Call-Center Operations. • Led new cross-functional Sprint Team resulting in improved operations strategy for close accounts process, from loan… Show more • Led multi-state team of managers with 30+ production associates, including cross-functional team of Operations Analysts, Data Analysts, and Process and Project Engineers. • Responsible for multiple commercial and consumer mortgages departments, including Home Loan Default and Servicing, Back-End Operations, Consumer-Facing Communications, and Call-Center Operations. • Led new cross-functional Sprint Team resulting in improved operations strategy for close accounts process, from loan boarding/booking through lien release. • Led cross-country consolidation of Delaware vault operations covering multi-billion-dollar mortgage portfolio, including conversion to digital tracking. • Achieved compliance goals and successful collateral vault audits by proactively engaging multiple lines of business during internal and external audits, resulting in $750K added liquidity to the borrowing base. • Assisted with system conversion from ALS to MSP, including Business Requirements Documents (BRDs), process mapping and UAT (testing and approval). • Served as MERS Signing Officer from 2014-2016.

• AVP, Unit Manager

  • 2011 - 2012

  Plano, TX • Directed the Mortgage Correspondence, Third-Party Payoffs, and Mortgage Credit Bureau Disputes Teams to ensure regulatory compliance and internal SLAs are met. • Implemented new Home Loans Escalation Team, improving tracking process.

• AVP, Senior Unit Manager, Bank Loss Mitigation

  • Jun 2009 - Nov 2011

  Plano, TX • Led daily operations for Commercial Real Estate Loss Mitigation Team, including a floor supervisor and 20+ associates located in Texas and Virginia. • Redesigned portfolio collections strategy and implementation and developed new collections incentive structure in consultation with other stakeholders, reducing projected annualized credit losses by $66M and exceeding annual performance goals forecast by $74M. • Migrated $2B portfolio in commercial loan assets to new division, enhancing… Show more • Led daily operations for Commercial Real Estate Loss Mitigation Team, including a floor supervisor and 20+ associates located in Texas and Virginia. • Redesigned portfolio collections strategy and implementation and developed new collections incentive structure in consultation with other stakeholders, reducing projected annualized credit losses by $66M and exceeding annual performance goals forecast by $74M. • Migrated $2B portfolio in commercial loan assets to new division, enhancing payment acceptance process by eliminating manual payment system and implementing a successful systems migration to automated platform, which reduced payment processing by several days.



Rug Doctor

• Manufacturing
• 100 - 200 Employee

• Credit Manager

  • Aug 2006 - Dec 2008

  Plano, TX • Directed the Credit/Collections, A/R, Cash, and Collections teams daily operations achieving a reduction in Days Sales Outstanding (DSO) which lowered delinquency into the single digits within 18 months. • Directed and implemented the first-ever private-label credit card for consumer infomercial purchases.



Border Foods Inc

• Credit Manager

  • 2004 - 2006

  Farmers Branch, TX • Credit Manager for manufacturing/distribution of carpet cleaning equipment directing Credit/Collections, A/R, Cash, and Collections operations.



Business Interiors

• United States
• Office Furniture and Fixtures Manufacturing
• 100 - 200 Employee

• Credit & Collections Manager

  • Aug 1997 - Nov 2003

  Irving, TX • Refined underwriting and financial analysis process achieving a reduction in the Days Sales Outstanding (DSO) by 7 days in a three-year period.



Comerica Bank

• United States
• Banking
• 700 & Above Employee

• Commercial and Consumer Loan Servicing Associate

  • Aug 1992 - Aug 1997

  Dallas, TX • Managed the loss mitigation strategy, collections, credit investigation, bankruptcy verification and collateral repossession/liquidation for legacy as well as new Commercial and Consumer loans.