Experience

Tammac Holdings Corporation

• United States
• Financial Services
• 1 - 100 Employee

• Vice President, Capital Markets

  • Mar 2023 - Present

  Responsible for managing strategic investor partnerships for the organization. • Identifies and develops relationships with banks, credit unions, insurance companies, and other secondary market purchasers of manufactured home loans originated by the company. • Leads project finance, structuring, negotiations, and execution to evaluate secondary marketing sales of consumer finance retail chattel installment contracts and mortgage loans. • Effectively manages sales pipeline and due diligence processes. • Promotes knowledge transfer and training with respect to market conditions and financial market considerations and outlook. Show less



RoundPoint Mortgage Servicing LLC

• United States
• Financial Services
• 300 - 400 Employee

• Senior Vice President, Capital Markets

  • Jun 2021 - Nov 2022

  Responsible for management of hedging, trading, pricing, best execution analysis and lock desk activities for the Traditional Retail origination pipeline. •Directed mortgage pipeline risk management activities to mitigate interest rate risk including hedging with forward MBS trades and best-efforts commitments. • Set daily rate sheet pricing and monitored competitive pricing landscape. • Led best execution analysis to optimize loan sale proceeds via whole loan, cash window or MBS pooling. • Maintained the risk management and analytical framework (CompassPoint Analytics). Show less



Newrez LLC

• United States
• Financial Services
• 700 & Above Employee

• Senior Director of Originations Finance

  • Sep 2018 - Dec 2020

  Led a team of analysts responsible for ERP-generated financial reporting and analysis, forecast model development and strategic planning for the Direct to Consumer, Retail/JV, Wholesale and Correspondent Origination channels, Capital Markets profitability and the Title and Appraisal affiliated businesses. • Directed the development, consolidation and execution of annual operating and capital expense budgets and monthly reforecast activities, including scenario planning, capacity modeling and cost benefit analysis. • Analyzed and recommended financial plans and forecasts, identified key performance drivers and trends, and conducted in-depth business product profitability evaluations including executive and investor presentations that incorporated the use of business intelligence and data visualization tools such as Tableau and Cognos. • Researched and analyzed data including warehouse funding and cash flow forecasts, competitor comparisons and economic projections to drive informed decisions and identify improvement opportunities. Show less



HTLF

• United States
• Financial Services
• 500 - 600 Employee

• Vice President, Director of Capital Markets

  • Jul 2016 - Jan 2018

  Responsible for strategic leadership and financial risk oversight of all areas associated with mortgage originations, loan sales, post closing, product roadmap, data analysis and change management. • Executed trading, hedging, securitization, product development and asset strategies and analyses. o Achieved budgeted profit margins, forecasted warehouse funding needs, prepared and reported financial results to Asset and Liability Committee and maintained compliance with the corporate risk policy. o Developed hedging risk model validation and vendor management policies and procedures. o Analyzed quarterly servicing valuation data and incorporated results into pricing strategies. o Re-designed strategy to originate and sell government loan production on a servicing released, bulk bid basis. Mitigated change impact to customers and met profitability objectives. • Implemented a data-driven pricing and cost allocation software enhancement with Agile methodologies that provided complex profitability analysis and loan level business intelligence. Integrated results with market surveys to strategically establish profit margins and measure results. • Led a cross-functional team to execute the bulk sale of the bank’s GNMA servicing portfolio. o Directed the transaction management process from trade execution, due diligence, interim servicing through to final settlement and deal reconciliation with financial controls, data submission and customer impact administered in compliance with regulatory requirements. o Coordinated all external and internal functional support to complete on-boarding activities. Show less



First Commonwealth Bank

• Banking
• 700 & Above Employee

• Vice President, Mortgage Banking Division

  • May 2014 - Jun 2016

  Responsible for managing financial risk, developing pricing and profitability analytics and designing a competitive product roadmap for secondary market and portfolio mortgage originations. • Effectively executed strategy to balance risk, manage pipeline and achieve non-interest income goals with mortgage loan sales within the framework of established corporate policy. • Oversaw all pricing functionality including funds transfer protocol, compliance and lock policies. o Performed a strategic role in the project planning, system implementation and successful launch of a de novo Mortgage Division including an enhanced loan sale and hedging platform. o Led vendor selection and implementation for hedge advisory and pricing engine providers. o Achieved departmental results that exceeded goal by 26% and contributed $2.5 mm in non-interest income in 2015 allowing the Bank to diversify its income stream. o Automated new loan set up with loan servicing department to support a paperless environment. o Participated in the development of the single close construction-to-permanent loan product. Show less



American Bank & Trust

• United States
• Banking
• 100 - 200 Employee

• Vice President Secondary Marketing

  • Oct 2010 - May 2014

  Responsible for all aspects of the secondary marketing process including financial reporting and analysis. • Accountable for interest rate and liquidity risk, pipeline management, pricing strategies, product development, investor relations and loan sales. o Developed and implemented a board-approved secondary marketing policy to monitor risk areas as required by the OCC. o Designed and programmed an Access database to monitor activity throughout the origination process including gain on sale, commission reporting, performance metrics and board reporting. o Consistently exceeded budgeted profit margins resulting in additional revenue for the bank. Show less



MidAmerica Bank

• Downers Grove, IL

• Senior Vice President, Secondary Marketing

  • Jan 2001 - Mar 2008

  Responsible for managing all secondary marketing functions and supporting portfolio growth objectives. o Developed product and pricing strategy for a lender with $3 to $5 billion in annual originations. o Negotiated and executed GSE, portfolio and non-agency security and whole loan transactions. o Produced a consistent track-record for meeting or exceeding corporate profit objectives. o Served as deal manager for non-agency loan sales including Alt-A and HELOC products. o Led multi-departmental teams that included lending and deposit representatives to effectively complete sale transactions and support customer service and retention goals. o Established a wholly-owned subsidiary to transact the business of a captive reinsurance company and negotiated reinsurance contracts for the subsidiary. o Negotiated the sale and oversaw transfer process of two bulk servicing transactions. o Chaired the Secondary/Finance and Residential Product Development/Credit Risk Committees. Show less



Patriot Bank

• United States
• Banking
• 1 - 100 Employee

• Senior Vice President, Mortgage Banking

  • Jul 1998 - Dec 2000

  Responsible for the executive leadership to execute strategic plan and achieve stated goals and objectives for expansion of the mortgage lending business for a $1 billion state-chartered commercial bank. o Developed sound operating policies and efficient operational procedures and oversaw the day-to-day operations including loan production, sales, processing, underwriting, closing, regulatory compliance and secondary marketing departments. o Recruited, established compensation, provided training and managed the addition of high performing sales teams. o Formulated and implemented the framework required for the profitable sale of loan originations into the secondary market including providing competitive daily, market-based, competitive pricing for sales, negotiation of investor contracts and effective management of pipeline and interest rate risk. Show less



Corestates Mortgage Services Corporation

• Perkasie, PA

• Senior Vice President, Mortgage Banking

  • Aug 1993 - Jun 1998

  Directed the management functions of the Secondary Marketing Department for the retail and correspondent channels of a major financial institution. o Served as interim senior manager of retail sales division and underwriting and compliance departments. o Co-managed a private banking task force to aid business development activities by developing a communication link between private banking and mortgage origination units. o Implemented Community Reinvestment Act lending initiatives within the company, worked with local housing groups and Pew Charitable Trust to design CRA products to meet the needs of local communities. o Participated in FHLMC’s Affordable Housing Advisory Committee. o Taught risk management course at FHLMC’s School of Mortgage Banking for its employees. Show less



Maryland National Mortgage Corporation, Baltimore, MD

• Baltimore, Maryland

• Vice President, Secondary Marketing Operations Manager

  • Mar 1992 - Aug 1993

  Responsible for the management and development of the Secondary Marketing Operations Department; led Fannie Mae, FHLMC, GNMA securitization, whole loan delivery and post closing units; supervised and directed activities of 120 employees to ensure that operational objectives were achieved for $200 to $300 million in monthly loan sales. Responsible for the management and development of the Secondary Marketing Operations Department; led Fannie Mae, FHLMC, GNMA securitization, whole loan delivery and post closing units; supervised and directed activities of 120 employees to ensure that operational objectives were achieved for $200 to $300 million in monthly loan sales.



Goldome Realty Credit Corporation

• Buffalo, NY

• Senior Vice President, Secondary Marketing

  • Aug 1988 - Jul 1991

  Responsible for the overall management and coordination of secondary marketing and production support functions including trading for a top ten correspondent purchase program, loan delivery, corporate underwriting, quality control and product development; managed the issuance of two publicly registered pass-through securities. Responsible for the overall management and coordination of secondary marketing and production support functions including trading for a top ten correspondent purchase program, loan delivery, corporate underwriting, quality control and product development; managed the issuance of two publicly registered pass-through securities.



Citicorp Investment Bank

• New York, NY

• Assistant Vice President, Securities Trader

  • Jun 1987 - Aug 1988

  Purchased, traded and sold adjustable rate securities and whole loan packages; assisted in the development of pricing and hedging strategies for Citicorp’s conduit. Purchased, traded and sold adjustable rate securities and whole loan packages; assisted in the development of pricing and hedging strategies for Citicorp’s conduit.