Washington, District of Columbia, United States
An impact-driven thought leader with 20 years of banking and financial services experience executing award-winning affordable home lending, small business development, economic development, corporate business development, risk regulation and compliance, project management, and relationship management strategies with the reputation for exceeding performance goals while collaborating with internal and external partners to drive a world-class customer experience.
Responsible for supervisory oversight, human resources, performance management, FY 2028 strategic plan implementation, and compliance of a $4 Million real estate development, property and facilities management, homebuyer education and sales, strategic partnerships, and fund management operation focused on expanding full-cycle affordable housing services to the Washington DC and Maryland markets. Serve as Manna's Compliance and Business Performance Administrator for a Capstone Revolving Loan Fund that issues interest-bearing notes to a portfolio of 41 socially responsible donors and investors that provide (1) working capital for Manna's pipeline of real estate development projects, (2) earnest money deposits for affordable housing properties once placed under contract, and (3) cost advances to cover development, construction, and marketing commitments up until project construction financing reimbursement.
Responsible for driving the retail division’s strategy to accelerate wealth outcomes for LMI, FTHB, and Multi-Cultural consumers for an 11 Region market by expanding access to homeownership Led LMI residential strategy for 27 markets resulting in a 40% decrease in RED (Needs To Improve) and a 22% increase in YELLOW (High Satisfaction) AA that contributed to an OUTSTANDING CRA rating from 2016 to 2020. Led DAP strategy that completed “first line” credit risk analysis and identified process improvements to meet production SLA’s and retain participation in 50 approved programs Led FaRB strategy that reduced the number of control design requirement (CDR) action plans for OCC certification and monitoring by 66% over a 3 year period Executed compliance strategy that reduced unreported HMDA for 700 retail partners from 32% to OCC’s Target of 11% in 5 months Launched a virtual forecast event model for real estate professionals that introduced how (1) 2022 buyer and seller profile data and insights on home sales, affordability, and housing supply, (2) industry strategies to advance minority homeownership, (3) technology platforms that connect buyers to resources to support their wealth building journey's, and (4) high LTV products can acquire customers in a rising rate environment Launched a divisional product council with 12 LMI Mortgage Leaders that prioritized and mapped 1st mortgage and DAP variances for retail credit policy review and adoption. Developed a National Homeownership Month Workshop Series with #DreamKeyPartners, #HomePartnersofAmerica, and US Bank BRG that equipped 175 NC-based employees with actionable information to navigate Charlotte’s 34,000 unit affordable housing shortage. Prepared monthly business reviews to sales and operations leadership teams highlighting the impact of NSMAL contributions on the east division’s performance; which delivered 90% of the retail channel’s total affordable lending volume for 2022.
Led HSBC’s CRA program that incorporated community development lending, investment, and service strategies that achieved an OUTSTANDING rating for 32 retail bank branches in the Pennsylvania, Delaware, Maryland, Washington DC, Northern Virginia, and South Florida retail assessment areas. Executed roll-out of HSBC's affordable lending and small business initiatives that required (1) providing CRA eligibility expertise to 32 retail branches, (2) sourcing (CD Lending Team approved) lines of credit that funded innovative CDFI investment and lending programs focused on expanding capital access to FTHB and small business entrepreneurs, and (3) launching credit/asset building partnerships with #BeaconDC, #VentureCafeMiami, #BBIF #WalkersLegacyFoundation, and #VentureCorner to educate consumers on pathways to achieve their financial goals. Managed full-cycle design and execution of a $300 K annual grant budget (30 501C3 organizations) that maximized returns on HSBC’s community development and volunteer engagement action plans in alignment with Corporate Sustainability‘s fulfillment guidelines Served as regional SME on HSBC's "Giving Force" volunteer portal that sourced 501C3 activity approvals, expanded line-of-business employee engagement, and highlighted program "best practices" resulting in 1500 Community Development Service hours and a GREEN dashboard for a three year period. Prepared full and limited scope performance context documents for the Philadelphia PA, Wilmington DE, Washington DC, and Miami Florida markets outlining economic, demographic, institutional, workforce, and community impact information for OCC review to better understand the environment in which HSBC's CRA strategy should be evaluated.
Recruited by Saint Mary's County Maryland to build out an access to capital and comprehensive business attraction and retention strategy focused on the industry diversification needs of 2000 high-tech aerospace and defense businesses and their small and minority sub-contracting partners to drive workforce and county revenue targets. (http://commerce.maryland.gov/Documents/ResearchDocument/StMarysBef.pdf)
Recruited by Gerson Lehrman Group (www.glgroup.com) to lead learning based engagements with technology, banking, and international consulting clients seeking expertise on scalable Net Promoter Score (NPS) implementation strategies based on regional integration background with JP Morgan Chase Bank partnership program with J.D. Power & Associates.