Experience

New Story Lending
• United States
• Financial Services
• 1 - 100 Employee
• CEO

  • Oct 2022 - 1 year 3 months


Pareto Dynamics

• United States
• Banking

• Founder and Principal

  • May 2019 - Oct 2022

  Pareto Dynamics offers mortgage banking consulting services to banks, non-banks, warehouse lenders, and vendors. With consulting services that span the entire mortgage life cycle, Pareto Dynamics can partner with you to review your business and tailor a customized plan to help take your business to the next level. We bring extensive experience and professionalism to every case and customize our support to your individual company needs and concerns.


On Q Financial, Inc.
• United States
• Financial Services
• 1 - 100 Employee
• EVP/COO

  • Aug 2019 - May 2022


First Guaranty Mortgage Corporation®

• United States
• Financial Services
• 200 - 300 Employee

• SVP, Secondary Marketing

  • Dec 2012 - Apr 2019

  •Responsible for maintaining a pipeline of hundreds of millions in monthly origination's through various channels including Retail, Wholesale, Correspondent Flow and Bulk packages •Negotiated and implemented Document Custody and Securities accounts, Warehouse Line/Gestation Repo facilities increasing net interest income and liquidity, MSR bulk sales, Alternative Execution Options/Strategies including Fannie Mae SMP and SET, Freddie CashXchange, Ginnie Mae, Fannie Mae, and Freddie Mac… Show more •Responsible for maintaining a pipeline of hundreds of millions in monthly origination's through various channels including Retail, Wholesale, Correspondent Flow and Bulk packages •Negotiated and implemented Document Custody and Securities accounts, Warehouse Line/Gestation Repo facilities increasing net interest income and liquidity, MSR bulk sales, Alternative Execution Options/Strategies including Fannie Mae SMP and SET, Freddie CashXchange, Ginnie Mae, Fannie Mae, and Freddie Mac Co-Issue structures increasing revenue by 25-35 basis points •Accountable for Hedging functions, TBA trading including early/late delivery and specified pooling with various broker dealers, BWIC’s, oversee best execution models and optimization, established framework for accurate analytics and reporting, and maintain warehouse lender, vendor, and investor relations •Oversight of pricing models, products, company margins, pricing engine integration, cash flow models, liquidity management, policies and procedures •Purchase/Bid flow and bulk pools from correspondent institutions using various delivery options including Assignment of Trade, and manage correspondent mandatory commitments and purchasing operations •Redesigned dashboard reporting providing enhanced visibility to stakeholders, created various presentations for ALCO, and Capital Markets Oversight Committee, work directly with Enterprise Risk Management, Internal and External audit •Led various teams through transition and implementation of project management software (LeanKit), multiple loan origination systems (Lending Space, DataTrac and Encompass), pricing engines/best-ex engines (PriceMyLoan, LoanX, Optimal Blue, Resitrader and Innovient) and hedging software’s (Compass Analytics and QRM) •Managed all Agency setup and delivery, mandatory and best effort commitments to various aggregators and co-issue partners, and purchase advice's while taking into account turn times, cash management, and revenue maximization

• AVP, Secondary Marketing/Post Production

  • Nov 2011 - Dec 2012

  Mclean, Virginia •Responsible for all Secondary Marketing and operations functions occurring after Closing, including Funding, Correspondent Purchase Advices, Warehouse Line Management, Cash Management, Post Closing, MERs, Shipping, Government Loan Guaranty and Endorsement, and Final Documentation •Contributed to the design concept of databases and reports for the company’s internal mortgage systems to improve operations

• Funding Manager

  • Apr 2004 - Nov 2011

  Mclean, Virginia •Responsible for the wiring of funds for national mortgage closings using multiple warehouse banks for the Mid-Atlantic, South Eastern, and West Coast regional company branches •Analyzed pipeline reports and rectify loan provisions with multiple warehouse banks and investors, reconciled accounts payable and receivable and prepared purchase advice's

• Government Loan Insuring Manager

  • Apr 2004 - Aug 2011

  Mclean, Virginia •Liaised with Government agencies and serve as primary representative in effective resolutions for business productivity •Managed the payments of FHA Upfront Mortgage Insurance Premiums and Veteran Affairs funding fee’s within deadlines set by management and HUD/VA government agencies