Alexandria, Virginia, United States
With over four decades of experience in the mortgage industry, including more than three years as a Management & Program Analyst at the U.S. Department of Housing and Urban Development (HUD), I have developed expertise in business analysis, anti-money laundering, and the mortgage industry. My career is marked by a commitment to improving processes and driving compliance in housing and lending. At HUD, I led the first-ever translation of external public-facing FHA forms and flyers into five languages, ensuring greater accessibility for diverse communities. I also coordinated requests for information and data from the Office of Inspector General and the Office of Program Enforcement, delivering timely and accurate responses. As a Certified Mortgage Banker (CMB), I remain dedicated to fostering equity, operational excellence, and fairness in the housing sector.
• Operated an estate quality antique shop specializing in vintage furniture, jewelry, and historical artifacts. • Curated and sold a personal collection of antiques accumulated over a lifetime, showcasing unique historical significance. • Developed strong customer relationships through personalized service and expert knowledge of antiques. • Enhanced the shopping experience by creating an inviting atmosphere that highlights the beauty of each piece.
Led the first ever Limited English Proficiency (LEP) translation of all external public facing OMB approved FHA Forms and Flyers, and worked with our Team to get them all translated into (Tagalog, Vietnamese, Traditional Chinese, Korean and Spanish) and formatted them correctly. This is the only tangible thing I did in my entire career at FHA. Overall coordination of all Office of Inspector General requests for FHA Single Family, FHA Case Binders; and Coordinate all requests for Single Family information and data for the Office of Program Enforcement in the Office of the General Counsel.
Completely overhauled the Office, from the day I began, and the MRB became the first, and probably one of the only offices at HUD that is 100% digital. Managed the transition of 1,641 Lenders from a legacy Annual Audited Financial Report Repository and HUD System to LEAP, and identified 284 Lenders who failed to make the transition. I also identified 15 mergers that went unreported. Ran the November 30, 2009 Mortgagee Review Board (MRB) meeting where David Stevens was the FHA Commissioner and Chairman of the MRB, and the Board voted to remove 905 Correspondent Mini-Eagle Lenders. I personally turned Countrywide Mortgage off in all FHA Systems. We withdrew some other bad actors at that meeting. I helped stuff the envelopes for 8 hours after that and Erikka Young made it to UPS that night! Led one of the teams that worked on the $25 B Global Servicing Settlement. Identified several people for debarment, and some of them were lifetime. I identified schemes, shams, fraud, egregious behavior, and met with Lenders, and Rudy Giuliani who had no remorse for their actions. Managed pending and closed Mortgagee Review Board lender cases referred to the Mortgagee Review Board for Administrative Sanctions, which included the imposition of Civil Money Penalties, Suspension, Probation, Permanent withdrawal, and or Reprimands. Wrote and published the Federal Register Notice that was 3 years late in 2009. Wrote Notices of Violation letters, that were issued to mortgagees, that were referred to the MRB by the Quality Assurance Division in the Office of Lender Activities and Program Compliance. Managed Options meetings to discuss recommendations to the Mortgagee Review Board, which had the ultimate authority to impose sanctions.
1. Provided oversight and performed managements assessment of risk controls for the single family lending division; 2. Managed and performed the programming and rules engine of RFConnects to input the terms of business for various warehouse lending clients; 3. Planned and executed forensic risk assessments and audits of banks, thrifts, credit unions, mortgage lenders, brokers, title affiliates and strategic alliance lenders; 4. Created and implemented a program to evaluate clients compliance with local, state and federal laws and regulations; 5. Initiated development of a program and process for the business evaluation of clients, which included reviews of secondary marketing, underwriting, management oversight, mortgage technology, human resources, loan origination systems, back-room functions; 6. Developed a program and process with the assistance of PriceWaterhouseCoopers to evaluate clients for compliance with GMAC's discontinued loan policies and state and federal laws and regulations; 7. Chaired the Seller Watch-List Committee (Executives from Sales, Operations, Warehouse Lending, Product Development and Mortgage Credit Risk) whose mission was to suspend, terminate and rehabilitate clients when they were found to carry risk for GMAC's parent (GM); 8. Member of the Lender Watch Committee, whose mission is to suspend, terminate and rehabilitate clients who pose significant risk to GMAC; 9. Managed the complete shutdown of eleven workouts for the recovery of loans in warehouse from companies who filed for bankruptcy or are considered insolvent; 10. Member of the Warehouse Lending Leadership Team. Facilitated all meetings to help reduce overlaps, conflicts and gaps within the management group. Also involved with strategic planning to implement long-term planning for the enterprise; 11. Extensive travel involved in personally evaluating over 450 clients; and 12. Ran the monthly red-flag meeting to identify all non-watch list lenders for red flags and compliance.
I worked with the Management Team at GMAC RFC in Bethesda, Maryland when they were with American Security Bank, and they chose me out of all of their contacts to come in and develop a Business Evaluation Program. I modeled it after the only other best in class guide, which was FHA at the time. I Managed a team of risk-assessment professionals charged with evaluating GMAC RFC Warehouse clients for credit committee approval and operational control assessment; I Planned and executed risk assessments and audits of banks, thrifts, credit unions, mortgage lenders, brokers, title affiliates and strategic alliance lenders; I developed a program and process with the assistance of PWC to evaluate clients for compliance with GMAC's discontinued loan policies and state and federal laws and regulations; I chaired the Seller Watch-List Committee (Executives from Sales, Operations, Warehouse Lending, Product Development and Mortgage Credit Risk) whose mission was to suspend, terminate and rehabilitate clients when they were found to carry risk for GMAC's parent (GM); I was a Member of the Lender Watch Committee, whose mission is to suspend, terminate and rehabilitate clients who pose significant risk to GMAC; I managed the complete shutdown of eleven workouts for the recovery of loans in warehouse from companies who filed for bankruptcy or were considered insolvent; I was a member of the Warehouse Lending Leadership Team. Facilitated all meetings to help reduce overlaps, conflicts and gaps within the management group. Also involved with strategic planning to implement long-term planning for the enterprise; I traveled extensively and personally evaluated over 450 clients; and I began the first ever best-practices meeting with GMAC - PA to develop a bridge for common client issues; I managed $19 Billion a Month in Interest Rate Risk - I created a Form that showed exposure and coverage submitted weekly.
Managed a staff of 30 people which included 12 Mortgage Loan Officers, Processors, Underwriters, Closers, a Net Branch, and my Office became the most successful office in the Country in one year. We exceeded all production & budget requirements; I created a closing and shipping department to manage volume;