PRINCIPAL CONSULTANT Executive Profile A dynamic strategic leader translates operations business strategies maximum profits commensurate best interest shareholders, customers, employees, community. An expert consumer mortgage lending dedicated enhancing profitability streamlining operational platforms, developing new markets, drafting strategic lending initiatives, growing high-quality loan portfolio regulating managing risk. Extremely analytical knowledgeable mortgage banking compliance regulations proven track record applying controls manage risk. Dedicated maintaining reputation built quality, service, uncompromising ethics. Skill Highlights Mortgage Lending Retail Wholesale Lending Commercial Lending Agency Jumbo Financing Consumer Lending Indirect Lending Portfolio Management Streamline Operations Business Development New Market Expansion New Product Development Process Reengineering Multi-Site Operations Regulatory Compliance Loss Mitigation Strategic Tactical Planning Project Management Team Recruitment Leadership Risk Assessment Analysis Mergers Acquisition Educational Seminars Professional Experience Principal Consultant January 2009 Current Company Name － City State Mortgage banking advisor specializing developing implementing business models achieve successful streamlined mortgage platforms. Areas expertise include project management production, streamline operations, loan analysis, risk management compliance programs, often working conjunction companies Navigant Consulting, New Oak Capital, LLC, Solomon Edwards Group, Clayton Group, CC Pace. Results:: Streamlined improved quality review process OCC Look Back Project Senior Analyst, directing managing one productive efficient teams forty file-review staff completing excess 8,000 full file reviews foreclosure, bankruptcy, loss mitigation processes Developed successful new risk management quality control process achieved 55% decrease documentation policy errors resulting loans purchased funded less half time Facilitated increase monthly production $12 million $30 million less six months leading acquisition warehouse lines investors transitioning company broker banker. Chief Operating Officer January 2006 January 2009 Company Name － City State Director aspects sales operations retail wholesale lending including underwriting, closing, post-closing/shipping, secondary marketing, loan servicing, quality control, risk analysis compliance. Managed staffing, development marketing strategies company direction conjunction President/CEO Results: Increased closed loan production $10 million $25 million within six months start date Reduced average loan closing time 35 17 days implementing redesigned streamlined workflow Achieved 37% reduction monthly operating expenses redeveloping implementing new departmental corporate budgets simultaneously increasing production. Senior Vice President January 2004 January 2006 Company Name － City State Directed sales operations staff retail, wholesale, consumer direct platforms overseeing sales, processing, underwriting, secondary marketing, loan servicing, post closing shipping. Developed implemented quality control processes, marketing strategies, annual budgets. Results: led company record year new application volume new loan originations ($1.2 billion) 2005 Developed implemented new product matrix allowed maximization marketing efforts improved execution bulk loan sales secondary market Restructured operations workflow producing significant decrease loan turnaround times reducing staff 33% increasing profitability excess 25% Created new empowered work environment led increased quality staffing employee morale across departments. Senior Vice President Regional Manager January 2002 January 2004 Company Name － City State Managed aspects mortgage loan operations including processing, underwriting, closing post-closing 16 retail production centers Massachusetts Virginia encompassing 178 operations staff direct interaction 250 plus loan officers. Key focus given loan quality, customer service, staffing, budget forecasting. Results: Produced $250 million monthly loan production Elevated troubled region profitable company 6 months replacing 40% management staff 25% line operations staff Achieved record level mortgage loan growth 2003. Chief Lending Officer January 2001 January 2002 Company Name － City State Responsible oversight lending portfolios including mortgage consumer loan production, loan servicing, capital markets, loan quality compliance. Led analysis review new products programs including indirect lending opportunities Results: Reduced closing timeframes 50% redesigning mortgage loan origination workflow enhance efficiency Improved profitability loan sales secondary market place reengineering capital markets workflow Increased community awareness conducting first time home buyer seminars local communities educate new home buyers. Senior Vice President Director Strategic Projects January 1984 January 2001 Company Name － City State Directed managed staff responsible providing leadership development implementation process improvement new technology solutions large cross division projects. Direct accountability department consisting five vice presidents (project managers) project budgets. Selected managed third party vendors. Indirectly matrix managed approximately 150 employees. Results:. Designed implemented new workflow encompassing 4 business channels, 5 departments 300 people. Supervised Mers (Mortgage Electronic Registration System) implementation team recognized industry leader. Senior Vice President January 1984 January 2001 Company Name － City State Wholesale Lending Portfolio Retention Managed sales, operations, underwriting functions. Accountable loan volume, loan quality, income expense management, overall profitability. Managed network 250 mortgage brokers. Results: Managed sales staff 15 account representatives 8 states responsible developing new clients servicing existing clients staff twenty-seven operations underwriting specialists. Exceeded production profitability goals region Created positive staff morale eliminated employee turnover redefining staffing needs requirements. Education Bachelor Science Degree Finance Banking Financial Institutions Economics IOWA STATE UNIVERSITY － City State GPA: Alumni Alpha Kappa Psi Business Fraternity Finance Banking Financial Institutions Economics Alumni Alpha Kappa Psi Business Fraternity Interests Habitat Humanity *Ridgefield Conservatory Dance Additional Information Community Volunteer at: *Habitat Humanity *Ridgefield Conservatory Dance Skills Streamline, Analyst, Agency, banking, budgets, budget, Business Development, capital markets, closing, Commercial Lending, Consulting, clients, customer service, directing, direction, documentation, Financing, focus, forecasting, Leadership, Regulatory Compliance, Director, managing, marketing strategies, marketing, Market, Mergers, Mortgage Lending, mortgage loan, mortgage loan origination, network, New Product Development, Process Reengineering, processes, process improvement, producing, Project Management, quality, quality control, Recruitment, reengineering, Retail, risk analysis, Risk Assessment, risk management, sales, Seminars, shipping, Solomon, staffing, Strategic, underwriting, workflow