Mark Atencio

Executive Vice President at Lyons McCloskey, LLC
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Contact Information
us****@****om
(386) 825-5501
Location
US

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Credentials

  • Six Sigma Master Black Belt
    Oriel Incorporated
    Jan, 2002
    - Nov, 2024
  • FHA DE Underwriter Certification
    U.S. Department of Housing and Urban Development
    Jan, 1995
    - Nov, 2024

Experience

  • Lyons McCloskey, LLC
    • United States
    • Financial Services
    • 1 - 100 Employee
    • Executive Vice President
      • Oct 2016 - Present

      Provide management consulting and strategic direction in mortgage servicing and origination. Contracted with mortgage bankers and large banks to assist in effecting productivity and compliance to Regulatory, Investor, Ginnie Mae, Fannie Mae, Freddie Mac, FHA/HUD, VA and USDA policy and industry expectations. Responsibilities ♦ Develop and foster relationships, determine company strengths and opportunities, develop joint strategic improvement direction, implement and oversee project and confirm desired outcomes achieved. ♦ Process Improvement, Personnel Skill Assessment, Regulatory and Investor Gap Analysis, Training, Due Diligence, Policy and Procedure Accomplishments ♦ Developed and led company-wide plan to enter government servicing, acquire and service portfolios ♦ Led initiative with 21 servicers, 10 law firms, 3 audit firms to develop and publish the MBA Standardized Default Law Firm Audit Criteria now utilized nationwide. Worked directly with CFPB, OCC, Fannie Mae and Freddie Mac to change policy to support initiative. ♦ Develop and conduct mortgage industry training programs for the Mortgage Bankers Association. Show less

  • Shea Homes
    • Real Estate
    • 700 & Above Employee
    • Senior Vice President, Operations
      • 2016 - 2016

      Manage credit risk, processing, underwriting, closing and operations. Responsibilities ♦ Ensure FHA/VA, GSE and Jumbo products are quality assets to investors requirements. ♦ Develop overall process improvement and drive strategic direction. Manage credit risk, processing, underwriting, closing and operations. Responsibilities ♦ Ensure FHA/VA, GSE and Jumbo products are quality assets to investors requirements. ♦ Develop overall process improvement and drive strategic direction.

  • Ditech Financial LLC
    • .
    • Senior Vice President, Business Control and Client Management
      • Jul 2004 - 2016

      Managed servicing Risk, Business Control and Client Management for GSE, Ginnie Mae, Alt-A and portfolio products. Responsibilities ♦ Servicing Risk and Business Control functions including Second Line of Defense Quality Assurance programs, Acquisition and Investor Due Diligence, Data Integrity, Call Monitoring and Law Firm Oversight. ♦ Client Management for third-party servicing portfolio investors, GSEs, HUD, Ginnie Mae, VA, Rating Agencies and other key corporate partners and vendors. ♦ Change Management processes of Policy and Procedures, Letters and Forms Management and Production. ♦ Lead Project Management team to assess and implement company-wide improvement initiatives. ♦ Chaired the Servicing Operational Risk Committee, Law Firm Oversight Committee and member of the Origination Operational Risk Committee, Technology Steering Committee, Legal and Compliance Committee and Portfolio Transfer Oversight Committee. Accomplishments ♦ Supported $168B MSR, Subservicing and company acquisitions. ♦ Elevated Servicer Rating across three Rating Agencies; Moody’s, S&P and Fitch. ♦ Achieved Fannie Mae Five STAR™ designation. ♦ Designed and implemented an industry leading data integrity program for loan boarding / transfers ♦ Implement 1st Line of Defense to adhere to regulatory and investor requirements and internal drivers ♦ Initiate and oversee process and technology change to pass AG National Mortgage Settlement (NMS) Standards. Show less

  • KB Home
    • United States
    • Real Estate
    • 700 & Above Employee
    • Senior Vice President, Chief Credit Officer / Operations
      • Jan 2003 - Jun 2004

      Responsibilities ♦ Credit and operations including production, processing, underwriting, closing, credit risk management, MIS reporting, training, policies/procedures and business relations. ♦ Relationship management with GSEs, HUD/VA, private investors, insurers, credit agencies and vendor partners. Accomplishments ♦ Reduced final loan approval cycle time by 22% and exceptions over 30 days by 80%. ♦ Created company-wide pipeline management and exception reporting to increase efficiency. ♦ Developed and implemented system interface between builder options and borrower qualification. Show less

  • Conseco Finance Corp.
    • .
    • Vice President, Director of Credit
      • 1998 - 2003

      Responsibilities ♦ Mortgage and consumer Origination and Servicing Quality Assurance, Securitization, Credit Risk/MIS, Document Custody, Imaging, Policy and Procedures, Training, and Cash Operations. ♦ Design and implementation of Six Sigma initiatives for productivity and customer satisfaction improvements. ♦ Chaired the Origination Executive Credit Committee. Accomplishments ♦ Designed, implemented and managed residential and consumer lending, servicing and securitization policy and procedure, training, audit programs and supporting position roles and responsibilities. ♦ Corporate Finance validated $26M in expense savings and/or revenue generation. ♦ Created risk management and exception reporting to increase collections and efficiency. Show less

  • PNC
    • United States
    • Financial Services
    • 700 & Above Employee
    • Second Vice President, Underwriting Management
      • 1996 - 1998

      Responsibilities ♦ Centralized credit department supporting 24 first mortgage loan origination units in nine states for GSE, FHA/VA, Jumbo and Home Equity origination. ♦ Fair Lending Authority, RESPA, pricing and multiple fulfillment night shift departments. ♦ Signature Lending and Loan Exception Authority of $1,000,000. Accomplishments ♦ Reorganized processes and delegated authority to reduce application to decision to 4 days. ♦ Substantially reduced post-closing exceptions through process change, training and control. ♦ Designed and facilitated sales training courses which increased first time approval rates. Show less

  • Bank of America
    • United States
    • Banking
    • 700 & Above Employee
    • Vice President, Mortgage Credit Administrator
      • 1989 - 1996

      Responsibilities ♦ Centralized and decentralized mortgage credit departments supporting Retail Sales, Builder Sales (wholesale lending and acquisition), Consumer Direct Sales and Affinity Lending Divisions including 1st Line of Defense Quality Control and CRA credit officers. ♦ Signature Lending and Loan Exception Authority $750,000. Accomplishments ♦ Reintroduced FHA/VA lending and automated underwriting programs. ♦ Reduced whole loan acquisition underwriting decision time by 65%. Show less

Education

  • College of San Mateo
    Associate of Arts (A.A.), Business Administration and Management, General

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