SENIOR CREDIT LEADER: Residential Mortgage Credit, Risk, & Operations Accomplished leader with more than 15 years of experience, recognized for my ability to develop, innovate, and redesign fulfillment processes to increase productivity and improve the customer experience. Proven history of strengthening pull through while balancing risk in high-volume, customer experience driven environments through execution of strategies developed in process analysis. Strong project owner with a history of accomplishments in high stakes and complex project execution. Proven success in optimizing production and quality across multiple sites and business channels. Strategic Planning & Execution Line of Business Leader Cost Center Management Project Management Process Improvement Leadership Development Risk Mitigation Management FHA DE VA Automatic Credit VA LAPP SAR SIX SIGMA Green Belt PROFESSIONAL SUMMARY Recognize deficient processes and procedures in operations and respond by examining potential solutions, developing execution strategy, and testing changes to operational parameters to assess effectiveness. Full people management, vendor management, periodic and annual budget responsibility including operational overhead, payroll, and lease administration. High Volume centralized and decentralized Top Ten Bank Experience. Highest level of credit authority. Responsible for the review of most difficult loans exercising due diligence to protect the bank, as well as, GSE and agency insurance funds. Credit Policy Champion.
National oversight of Credit Fulfillment teams including Production Underwriting, Internal Control, Quality Assurance, Post Closing Production, Insuring & Guarantee, and Underwriting Support.
Increased deliverable front end production volume from $185mm to to $355mm per month through execution of new processes and additional uses of existing technology.
Identified by complex workflow gap analysis.
Reorganized and redisgned Internal Control and Quality Assurance departments and functionality to improve customer experience and business through put.
Including redesign of existing technology, reorganziation of departments, and new exucution policies and procedures.
Championed project designed to improve liquidity of lines of credit used to fund business by realigning workflow to appropriate stakeholders, developing and executing training a development, and improving overall workflow process in Post Closing department.
Integrate changes throughout the rest of the organiziation to continue to influence change process to ensure effective maintanence of sufficient liquidity to fund continued business growth without additional credit liability.
Flagstar Bank Orchestrated credit execution up to $1.5 billion monthly in closed loan production volume from 3 credit fulfillment centers in Texas, California, and Washington.
Performed within 2% of target budget while increasing production.
Improved average number of new underwrites by headcount from 2.9 UPD to 6.75 UPD.
Improved institutional credit quality to #1 group by Internal Control and #2 in country as ranked by FHA and VA (Avg 65% One Year Compare Ratio, 69% Two Year, 1.2% Audit Error rate).
CHAZ RAMIREZ Page 2 email@example.com Bank of America Improved average number of new underwrites by 50% in the first two months and over 200% by month ten.
Achieved and held #1 rank by unit and volume for Wholesale Government Fulfillment.
Improved divisional quality standing to #1 in Line of Business for severe audit rates and deficiencies.
Major Projects: Supreme Lending - Project Liquidity - Project owner and deployment leader.
Flagstar Bank - Partnered with HR to redesign and roll-out a new Performance Evaluation Process by instituting a metric based measurement and response criteria core performance areas.
Bank of America - Line of Business SME and BRD owner for Continuity & Development Project.
Macloud Financial - Project owner for development of Correspondent Lending Channel.
Led BRD, Development, and Project to execution on schedule.
Standardized response level, format, and metric conversion for internal control at both Pre-Funding and Post-Closing Audits.
Partnered with IT and Development Team as Project Sponsor and Line of Business SME to develop a centralized workflow solution.
National Credit Manager01/2013 to 30SUPREME LENDING Mortgage Company
09/2012 to 12/2012NATIONSTAR MORTGAGE National Mortgage Lender and
Vice President, National Underwriting Manager06/2010 to 09/2012FLAGTAR BANK, FSB
Top 10 US Lender, 3rd largest FNMA Deliverer, 2nd largest Wholesale Government Lender 2012.
Vice President Underwriting05/2008 to 06/2010BANK OF AMERICA, NA
Vice President UnderwritingBig Four Bank
Vice President Regional Operations Manager06/2004 to 03/2008FIDELITY FINANCIAL MORTGAGE CORPORATION
Top 100 Mortgage Lender.
National Operations Manager05/1999 to 06/2004Macloud Financial Inc
Nationally licensed Mortgage Lender.
Warehouse Lending National Operations Manager.
Operational Psychology & Development Clinical PThe Ohio State UniversityColumbus, OH
2005 - Mortgage Bankers Association - Certified Residential Underwriter Professional Achievement Designee