Experience

Dean Bank

• United States
• Banking
• 1 - 100 Employee

• VP Mortgage Origination Manager

  • 2020 - Present

  Brought in to completely restructure the Mortgage Lending and Servicing Departments, with full responsibility for oversight of Origination, Underwriting, and Servicing operations. Develop and/or review department policies and procedures, establish department goals within defined timelines, manage mortgage originations and workflow, and assist in the sale and delivery of mortgage loans bought or sold in the secondary market. Lead ongoing initiatives for improving quality, efficiency, productivity, and compliance, while maintaining a relentless focus on customer service and satisfaction. • Within one year, streamlined the entire Origination Department and transitioned it to a 100% paperless environment, while taking in 894 applications (including pre-approvals) and closing 415, generating $150M+ revenue, of which 90% were sold on the secondary market. • Improved turnaround time from 90+ days to ~30 days within 5 months, significantly enhancing the level of customer and employee satisfaction, in addition to delivering 8 consecutive months of clean audits with no findings. • Developed several new products and secured approval to offer new first-time home buyer products (not previously offered); currently in process in getting the bank approved to provide FHA and VA loans. • Work with system providers to streamline processes and procedures, ensure accuracy and compliance, manage user security access, and utilize applications to the fullest capacity. • Review recommendations for loans exceeding loan limit guidelines for presentation to Credit Committee and/or Board of Directors meetings. Show less



MountainOne

• United States
• Financial Services
• 1 - 100 Employee

• SVP Mortgage Banking and Consumer Lending

  • Mar 2018 - 2020

  Recruited by the President to implement critical improvements in a department that was struggling to retain quality sales personnel and experiencing declining revenues. Provided strategic direction, leadership, and day-to-day management for the delivery of all mortgage and commercial lending services. Served on multiple committees, including Credit, Compliance, and Risk Management Committees. • Successfully reversed declining revenues by restructuring department and right-sizing staff, which put it back on track to sustainable revenue growth, delivering $458K in revenue to date. • Lead the development and implementation of strategies for maintaining an optimal balance of sound credit practices and goals for growth, financial performance, and credit quality. Show less



First Commons Bank, Newton Centre, MA

• Vice President of Residental Lending

  • Apr 2015 - Feb 2018

  Directed all functions of mortgage operations, from loan origination to funding and post-closing, in addition to administration of secondary marketing and market/investor reporting. Established and communicated direction, goals, and objectives aligned with production goals across the organization. Partnered with executive team to support rapid growth of the mortgage business. Prepared and submitted monthly board reports. • Managed secondary market mortgage pipeline, ensuring timely and profitable coverage of daily loan volume, including acquisition of commitments to cover all loans for secondary mortgage production. • Implemented strategies and techniques to ensure that customers have a positive experience with products and services at every touch point. • Conducted compliance training and ensured that department remained compliant with bank policies and procedures, as well as all applicable state and federal banking regulations. • Developed and implemented sales strategies, incorporating client segments and market opportunities, to optimize sales force effectiveness and build a strong pipeline of prospects and clients. Show less



Citizens Bank

• United States
• Banking
• 1 - 100 Employee

• Vice President, Sr. Client Relationship Manager

  • Oct 2013 - Apr 2015

  Develop and manage relationships with middle-market business banking clients. Prepare client credit proposals, including pro-forma analyses and CRR narratives, and develop formal presentations for clients and prospects. • Work in close collaboration with numerous internal business partners to optimize productivity, capture additional cross-selling opportunities, and optimize the long-term value of each client relationship. • Maintain optimal balance between business growth and credit quality through ongoing account management and proactive problem detection and resolution. Show less



Bank of the West

• Banking
• 1 - 100 Employee

• Vice President, Sr. Client Relationship Manager

  • Oct 2012 - Sep 2013

  Execute strategies for maximizing growth of credit products, including commercial real estate loans, SBA loans, lines of credit, swaps, and cash management solutions. Provide thorough documentation of loans to mitigate bank security risk and maintain the highest standards of compliance with regulatory, legal, and bank requirements. • Built a book of business entirely through personal business development efforts; established relationships with 7 new major clients. • Maximize credit portfolio performance by negotiating payment schedules, obtaining proper pre-approvals, and facilitating the collection process of delinquent accounts. Show less



Bank of America, N.A.

• France
• Banking

• Vice President, Sr. Client Relationship Manager

  • Jun 2010 - Oct 2012

  Cultivated and managed banking relationships with business clients, serving as primary point of contact and key financial advisor for all client needs. Identified, developed, and closed new business by establishing relationships with new clients, through personal prospecting activities, and by deepening relationships with existing clients through proactive account management. Managed Sales Support staff in addition to coordinating the efforts of extended client team members in product and service delivery, while ensuring optimal levels of client satisfaction, conducive to long-term growth and retention. • Analyze client financial and operating strategies and recommend alternative and/or additional financial services to meet short- and long-term business needs. • Facilitate the seamless delivery of services, as “quarterback” of client team comprised of an SBA Specialist, Treasury Officer, Merchant Service Representative, Client Support Associate, and Credit Product Officer. Show less



Citibank, N.A.

• Brazil
• Banking
• 1 - 100 Employee

• Business Banking Officer

  • Jan 2009 - Jun 2010

  Brought onboard to develop, manage, and expand new commercial banking relationships with businesses in the middle market ($5-$20 million), with a focus on various types of credit facilities, depository products, and cash management services. Served as client advocate, advisor, and primary point of contact for resolving issues and concerns. Analyzed client business financials to determine creditworthiness and appropriate product application. Continually identified and qualified prospective clients and close sales. • Developed more than 90 new client and vendor partner relationships over a 14-month period. • Achieved 220% of plan for revenue, sales, and new accounts opened in 2009. • Collaborated with internal technical and business teams to structure products/services addressing market needs. • Selected, structured, and negotiated win-win partnership opportunities to support bank’s long-term growth goals. Show less



Wachovia

• Operations Sales Manager

  • Oct 1994 - Aug 2007

  Steadily progressed through leadership focused in mortgage operations (sales, customer / loan servicing, loss mitigation, foreclosures, and REOs). Over tenure, played important role in building and growing departments, including recruitment and hiring quality employees and leading through transitional periods and mergers. As District Manager, led and directed as many as 300 staff members across 15 bank branches. • Consistently exceeded district production goals, maintaining average year-over-year sales growth of 200%+. • Built base of 1260+ business and retail customers, surpassing customer acquisition and retention goals. • Managed and mentored Small Business Bankers to ensure that individual and department goals were met. • Advised Business Development and Relationship Managers throughout Southern California on matters relating to risk management, regulatory compliance, and corporate policy. • Actively recruited and retained high-quality employees through talent drives across diverse venues. Show less