Experience

ACES Quality Management

• United States
• Financial Services
• 1 - 100 Employee

• Sr. Director of Business Development at ACES Risk Management (ARMCO)

  • Oct 2019 - Present

  ACES Risk Management (ARMCO) product line includes loan quality enterprise software, services, data and analytics. Over half of the top 20 mortgage lenders in the U.S. choose ARMCO as their provider for transaction risk management software. ACES Risk Management (ARMCO) product line includes loan quality enterprise software, services, data and analytics. Over half of the top 20 mortgage lenders in the U.S. choose ARMCO as their provider for transaction risk management software.



Parkside Lending

• United States
• Banking
• 1 - 100 Employee

• Chief Credit Officer

  • Mar 2017 - Feb 2019

  • Responsible for the development, oversight, administration, monitoring and management of the company’s credit policies related to all mortgage loans originated and funded by the company. • Maintain a comprehensive corporate credit policy representing the credit risk boundaries, management, and principles of credit risk acceptable to the company and in support of its Wholesale, Non-Delegated Correspondent and Retail sectors. • Development and publication of credit policies such that all mortgage loans are saleable into the secondary market. • Management of credit risk policy activities in the areas of conventional, jumbo (QM and Non-QM) and government lending. • Cultivate a strong credit culture and working relationship through active engagement with management and staff across the company (e.g., Operations and Sales) in support of both growth and quality objectives. • Work with agencies, investors and insurers to review and implement new guidelines, provide interpretation and analysis of credit policy and provide sales and underwriting training. • Facilitate active credit risk management through administration of the company’s risk corporate governance system. • Management of all investor repurchase, indemnification and EPD requests. Provide the executive feedback on all investor purchase kicks and guaranty issues. • Actively participate on the product development team reviewing potential investor products for risk and market production, creating guidelines and matrices and ensuring LOS updates and buildouts. Successfully launched new products such as USDA, Non-QMs and DPAs. Show less



Prospect Mortgage, LLC

• United States
• Financial Services
• 700 & Above Employee

• SVP, Credit Policy Officer

  • Feb 2015 - Jun 2016

  • Responsible for the development, oversight, administration, monitoring and management of the company’s credit policies related to all mortgage loans originated and funded by the company. • Maintain a comprehensive corporate credit policy representing the credit risk boundaries, management, and principles of credit risk acceptable to the company and in support of its Retail and Correspondent sectors. • Development of and distribution of credit policies representing external and internal requirements which provide that all mortgage loans are saleable into the secondary market, sold to a private investor, insurable by FHA or a private mortgage insurer or guaranteed by the VA. • Management of credit risk policy activities in the areas of conventional and government lending, mortgage insurance, project standards, property and appraisal standards, and bond administration. • Cultivate a strong credit culture through active engagement with management and staff across the company (e.g.., Operations and Sales) in support of the financial and growth objectives of the company while maintaining acceptable credit quality. • Maintain a strong working relationship and mutual goal sharing perspective with the Credit Operations Officer (COO). The COO is the operational supervisor of all company underwriters and is the primarily responsible to implement credit policy developed by the Risk function. • Work with agencies, investors and insurers to review and implement new guidelines, provide interpretation and analysis of credit policy and provide sales and underwriting training when necessary. • Facilitate active credit risk management through administration of the Credit Committee, routine reporting to Executive Committees and/or Executive Management on loan performance measures related to delinquency, quality, and emerging trends. Show less



Bank of America

• United States
• Banking
• 700 & Above Employee

• Senior Vice President

  • Sep 2009 - Feb 2015

  Representations and Warrants - MI Segment • MI Strategy: Executive Team working exclusively with the MI Companies on multiple facets of claim perfection, negotiations of documentation guidelines/ requirements, approval of all MI LOB policies, procedures and job aids and multiple other projects including MI settlements. • MI Claims Management: Develop and manage a new department within the MI Segment solely committed to document claim perfection. Grew the initial team of 17 Loan Review Analysts to 14 teams (each with a Team Lead and 6-7 Loan Review Analysts - various locations throughout the US). • Participate on multiple projects including; MI Company (specific) settlement reviews, LRA, Management and Servicing review job aids, line of business integration, corporate policy and procedures, development of many LRA training programs, creation of the production and quality assurance standards and SME for all technology projects relating to the MI Segment. • Create and adhere to strict SLAs, KPIs, Quality Standards and MI Company specific claim perfection deadlines. Exceptional pipeline management skills. Representations and Warrants - GSE Segment • Managed 4-5 teams (each with a Team Lead and 6-7 Loan Review Analysts) responding to GSE repurchase requests. • Participated on multiple projects including; FNMA/FHLMC settlements, LRA review job aids, line of business integration, corporate policy and procedures and quality assurance procedures. • Adhered to strict SLAs, KPIs and Quality standards. • Exceptional pipeline management skills. Show less



Countrywide Bank

• Market Sales Manager

  • Aug 2007 - Aug 2008

  • Recruitment, hiring, and termination of all sales associates. • Design and affect sales goals, motivations, strategy, and tactics. • Hands-on field work with sales, including presentations and office visits. • Manage team sales production data, including creating customized reports. • Market and competitor research and analysis, including trend spotting. • Manage customer complaints and feedback. • Manage sales team to consistently maintain 0% EPD, over 70% Pull-through and top 10 ranking. • Design and conduct training for all branch sales associates. • Co-manage largest producing branch in company. Show less



GE Capital

• United States
• Financial Services
• 700 & Above Employee

• Vice President, Regional Sales Manager

  • Nov 2005 - Jul 2007

  • Recruitment, hiring, and termination of all sales associates in the region. • Design and present Evolution Training program for all sales in southern California. • Coordinate and attend broker’s trade shows and events. • New hire training on WMC and GE policy and procedures. • Manage all territory and compensation issues. • Design and affect sales goals, motivations, strategy, and tactics. • Hands-on field work with sales, including presentations and office visits. • Manage regional production data, including creating customized reports. • Market and competitor research and analysis, including trend spotting. • Mentoring sales people; educating customers. • Manage customer complaints and feedback. • Complete knowledge of all products. Show less



GreenPoint Mortgage

• Vice President, Branch Manager

  • Oct 2000 - Oct 2005

  • Solely responsible for branch of 80, including sales and operations, producing $240+ million per month. • Became the most profitable branch in entire company. • Took branch from 10th highest producing to 1st highest producing in the entire company, without increasing overhead, while maintaining high quality. • Chief product consultant to sales force and broker clients. • Create and promote broker acquisition and education programs. • Manage top three account executives in the company. • Participate in field visits and sales presentations with sales force. • Write and maintain all branch business, sales, and marketing plans. • Responsible for budget, staffing, and training. Show less



Countrywide Securities Corporation

• Manager, Credit & Compliance

  • May 2000 - Sep 2000

  • Responsible for portfolio acquisition and securitization. • Oversee all due diligence teams, including staffing and workflow. • Create and manage project scheduling. • Chief conduit of information between staff and senior management. • Primary Countrywide contact for external buyer/seller. • Maintain senior management reporting on all transactions • Responsible for portfolio acquisition and securitization. • Oversee all due diligence teams, including staffing and workflow. • Create and manage project scheduling. • Chief conduit of information between staff and senior management. • Primary Countrywide contact for external buyer/seller. • Maintain senior management reporting on all transactions



Guaranty Federal Bank

• Vice President, Western Regional Ops Mgr, National Underwriting Mgr

  • Aug 1994 - Apr 2000

  • Responsible for managing, directing, and implementing all jumbo and conforming credit and collateral review audits for agency securitization. • Directly responsible for interpretation of Seller Servicer Guide, negotiating Special Commitment requests, and issuing Product Exceptions. • Provide senior management with updates on market trends as they relate to credit analysis, production and purchasing of loans by participating on various National MBA and CMBA Committees. • Co-Authored Seller Servicer Guide and Bulk Purchase Policy and Procedures. • Chairperson of Bank Loan Prospector Integration Committee. • Responsible for the purchasing of 87% of Guaranty Federal’s conduit production. • Review all Wall Street bulk purchase and sale warranty agreements. Show less



ARCs Mortgage, Inc

• Calabasas, CA

• Senior Corporate Underwriter

  • Jan 1990 - Jul 1994

  • Underwrite for numerous investors, including: FreddieMac, FannieMae, RFC, FHA, VA, Prudential. • Conduct branch visits and training seminars. • Responsible for various projects, including: FreddieMac Auction Commitment; researched Quality Control Repurchase Requests; lead Semi-Annual Underwriting Conferences; compiled, generated, and disseminated Monthly Underwriter’s Production Reports. • Assume responsibility for Artificial Intelligence Underwriting Task Force and management of Correspondent/ Wholesale Underwriting Staff when VP left company. Show less