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Yyyyyy x. yyyyyy

0000 xxxxxx xxxx , xxxx , xxxxx 00000
Phone: (xxx-xxx-xxxx

Cell: (610) 906-6171
abc@xyz.com

 

Senior-level Financial Services Management Executive eager to contribute substantial background in credit/lending operations toward supporting a dynamic company in optimizing bottom-line performance.  

 

Qualifications Profile

 

·         Excel in originations operations, credit approval, credit risk analytics, and steering Sarbanes-Oxley compliance.

·         Significant experience in directing daily business operations with proficiency in credit/operations risk management, policy and procedure development, quality control, and asset management.

·         Adept in designing risk governance structure and processes for risk identification and risk scoring.  

·         Extensive experience in training, developing, mentoring and managing top-performing personnel.

·         Ability to establish effective working relationships with all levels of an organization.

·         Reputation for integrity, sound business judgment, prioritization skills, and strong work ethic.

 

Professional Experience

 

Wilmington Finance, Inc., Plymouth Meeting, PA,, 2006 to Present
Vice President – Credit Risk Management

  • Spearhead credit management and analytics by scrutinizing and approving new loan products with SVP of Underwriting.
  • Collaborate with analytics group to generate a risk-based model to improve quality of production.
  • Strategically partner with Operations and Underwriting departments to implement solutions for Retail, Wholesale and FHA divisions.
  • Assembled and introduced Operations Risk Management unit and demonstrated initiative in assisting Internal Audit personnel to create a comprehensive risk management plan, vital to strengthening controls.
  • Manage pre- and post-funding quality control (QC) review processes, supervise QC staff in assessing sampling of loans, and oversee preparation of associated reports.
  • Championed efforts to reduce overhead and streamline operational processes and procedures.
  • Orchestrated asset resolution and management for company and directed repurchasing of loans and properly disposing of assets.  
  • Steered Sarbanes-Oxley (SOX) compliance by fortifying SOX program and established fraud department which dramatically reduced loss.
  • Improved credit quality by reviewing new and existing products and restructured existing policies.
  • Selected as Chairperson for monthly Credit Committee meeting with Senior Management.

 

NovaStar Mortgage, Inc., Kansas City, MO, 2004 to 2006
Senior Vice President, Chief Credit Officer

  • Effectively managed, directed and motivated 112 employees in diverse departments spanning Credit, Operational Management, Pre-Post Funding Quality Control, Fraud, Compliance, Licensing, Broker Approval, State Examinations and Servicing Audits.
  • Formed Risk Committee and facilitating monthly meetings with Senior Management.

 

Continued ...

 

 

 

Professional Experience continued ...                                                    Yyyyyy x. yyyyyy, Page 2 of 2

 

  • Monitored efforts of loan underwriters to ensure quality and accuracy of loan approval authority.
  • Established Operational Risk Management department to strengthen controls and increase engagement and awareness.
  • Facilitated pre-closing audit to reduce errors, improve overall quality, decrease repurchases and boost overall profit.
  • Instituted Fraud department to successfully lower fraudulence from 2.75% to below 1.%

 

Freddie Mac, McLean, VA, 1997 to 2004
Director – Risk Management     (2001 to 2004)

  • Pioneered penetration into alternative markets for company, leading team of seven in performing 170+ operational and loan level due diligence reviews on business partners.
  • Oversaw in-depth analytical analyses on lenders’ portfolio and presented recommendations to senior management on lender qualifications; supported purchase of $25B during tenure.
  • Enabled Freddie Mac to purchase $60B+ in securities for portfolio by creating systematic process of evaluating credit guidelines and lender procedures.
  • Relied upon to plan, coordinate and manage firm's activities for Fair Lending initiatives.
  • Led Quality Assurance Group activities focusing on testing and improving LP underwriter.
  • Partnered with team in formulating Freddie Mac's HVE and Calibrator models for appraisal policy and behavioral scoring programs.
  • Served as active member of LP analytics team that recommended and monitored changes to LP.

                       

Manager – Risk Management    (1997 to 2001)

  • Built, launched and operated Alternative Markets Quality Control program inclusive of a new review process for participating lenders.
  • Applied solid experience in mortgage and consumer loan industries to develop plans for operational and loan level due diligence reviews.
  • Decisively defined highly successful and precise metrics to evaluate each lender's origination and servicing platforms.
  • Exceeded expectations for Alternative Markets by generating over $25B in loans securities and $60B in securities.

 

First Federal Mortgage Corporation, Bethesda, MD, 1993 to 1996 
Director of Operations

  • Led personnel in expeditiously processing, underwriting, closing and selling mortgage loans.
  • Exhibited outstanding planning abilities to organize and manage $3M PrinCap Mortgage Warehouse line.
  • Heightened profitability on a per loan basis through innovative Correspondent program.

 

ITT Financial Services, Reston, VA, 1985 to 1993

Regional Manager / Branch Manager

  • Advanced from role as Credit Analyst to Branch Manager; consistently ranked as regional leader in consumer/home loan sales originations and servicing performance.
  • In subsequent promotion to Regional Manager, supervised seven offices and 60 employees, guiding region to outperform all others during three years in role.

 

Affiliations

 

Risk Management Association

Risk Management Forum

American Association of Residential Mortgage Regulators

 

Yyyyyy x. yyyyyy

0000 xxxxxx xxxx , xxxx , xxxxx 00000
Phone: (xxx-xxx-xxxx

Cell: (610) 906-6171
abc@xyz.com

 

 

 

 

Date

 

 

 

Hiring Agent Name

Title

Company Name

Address

City/State/Zip Code

 

Dear__________________:

 

I am currently seeking a challenging career opportunity in a <insert job title/position> capacity and am submitting my resume for your review.  In advance, thank you for your time and consideration.

 

As indicated in the accompanying resume, I bring to you a significant background in the mortgage and consumer product industry, polished expertise in operations management, and seasoned experience in quality control, Sarbanes-Oxley compliance, risk management, and client service and satisfaction. To complement these qualifications, I offer exemplary organizational, prioritization, presentation and relationship-building skills which are essential in an <insert job title/position> role.  

 

As a proactive contributor to your organization, you will find me to be a driven professional and stellar leader committed to supporting you in achieving your objectives through superior performance and initiative. I am confident that I could be a valuable asset to <insert name of organization>, and look forward to interviewing with you in the near future.

 

Sincerely,

 

 


Yyyyyy x. yyyyyy

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