Sales Quality Assurance

Business Biography

Brian D. Myers

Phone: 813-***-****

*****.********@*****.***

BUSINESS SUMMARY

Responsible for Federal & State Banking Mortgage, Commercial & Consumer Lending Compliance matters.

Administrative Audit & Quality Assurance, Account Servicing and strident Default Management, HAMP

(residential) and “Risked-Based” Default Lending per Regulatory and Investor standards.

Success in: Strategic Retail Lending Sales, Underwriting & Operations, Team Goals and Accountabilities and

innovative direct and indirect lending internet marketing skills and initiatives in both Banking, Credit Unions

and Wholesale Investors.

Coordinate technology directives to include formatted strategic deployment in user initiatives and system(s)

Infrastructures and integrate specific guides for implementation of loan servicing platforms.

Advanced training and knowledge including: OCC, FDIC, NCUA, RESPA, FHA, ECOA, Privacy, TI CFPB, SCRA,

UDAAP, Fraud Protection, Fair Credit Lending, Credit Risk, Reg. X, Dodd-Frank/Title X, Basel II/Regulatory

Capital, Regulation W, 2012 Money Laundering, Risk Rating.

Launch innovative retail relationships with exemplary Mortgage, Commercial, Credit Card, Consumer Sales

and Operations Teams.

Technology Interface including: Microsoft Works, AS400, Equator, SAFE, Fidelity/MSP/LPS, MISERBA, Calyx,

FiServ, ERLMF, et al.

Single Person: Open to relocation and extended travel as may be required.

EXPERIENCE

Contractor: Mortgage Servicing, Audit, Training and System Implementation Assignments with:

08/2009– current

Bank of America: VP Sr. Lending Auditor Dallas, Texas

(current assignment)

• Review and manage Bank policy and procedures while implementing assessments to validate

processes implemented in the retail Consumer, Mortgage and Commercial sales & operation(s) and call

center and lending platforms.

• Participates in Quality Assurance & complete Audit reviews that impact customer, bank reputation and

financial risk in accordance to OCC and regulatory lending mandates.

• Develop issue summaries and recommend parameters earmarked to improve the bank’s commercial,

residential mortgage and consumer lending business standards impacting multiple customer and

financial facets of business.

• Assess training outcome by soliciting and reviewing feedback from team members.

• Manage relationships with investors and develop loss mitigation strategies to align with investor needs

• Evaluate collateral compliance such as property preservation, tenants and violations to compliance

with banking standards.

CSC (project at Wells Fargo Residential Mortgage) Site: Orlando, FL. Charlotte, NC. & Springfield,

IL.

Mortgage Operations and Loss Mitigation Training Consultant/Product Implementation

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• Assignment-Project Team Trainer in the implementation of comprehensive Mortgage Default Lending

and Loss Mitigation Loan Servicing Systems, (CSC ERLMF/NG Default Servicing System) interface with

LPS Servicing System.

• Determine asset performance strategy such as repayment plans, modifications, short sales, deed in

lieu of foreclosure by analyzing financial information.

• Analyze HAMP and Non-HAMP compliance for User training seminars to Wells Fargo Staff of 500+

individuals.

• Validate Policies and Procedures concurrent with Federal, Market and internal Guidelines prudent to

HAMP, Imminent Default and REO processes.

• Secondary review of Residential SPOC and Underwriting processes, procedures, approvals and denials.

US Technology, (project at JP Morgan Chase Residential) Site: Jacksonville, FL and Irving,

TX

Program/Applications Consultant

• On assignment at JP Morgan Residential Lending as Team Leader in consolidating reporting technology

for merger of Default /Loss Mitigation Data from JP Morgan, WAMU and EMC Mortgage data to single

reporting platform.

• Directly supervised Team of 3 internal and 4 external Data Analysts in compilation of necessary

compliance and regulatory data interpretation from respective pipelines.

• Analyze compliance data from each organization for relevancy, consistency and mediation for govt.

and agency reporting.

• Validate mortgage data fields for expedient and perfected delivery per Agencies: OCC, CRA, HMDA,

HAMP

• Completed project in 4 months rather than expected 6 months, providing JP Morgan of timely reporting

of data to Moody’s, FITCH and OCC and substantial benefit by reducing project costs.

Tenured Employment and Assignments:

Eagle Nationwide Mortgage (through merger with Lending Solutions of Central Florida), Orlando,

FL 1/2007 – 7/2009

Regional Manager, Retail Mortgage Sales and Operations & President, of Lending Solutions

• Expanded and managed regional Retail Commercial and Residential Sales and Operations staff from 5

to 14 and “IT” Staff of 2 to support business sales, operations, marketing and Loan

Servicing/Collections technology unit to increase retail business by 250%.

• Proposed financial and technical analysis with consumer and residential product lines of business,

methodologies and pricing models conducive to established budget yet alterations to local economic

conditions.

• Established Underwriting Risk Analysis parameters relative to State and Federal Regulatory and

Agency guides.

• Prepared Employee Performance Reviews and provided staff training, planning and career

development.

• Achieved 100% Government Compliance and monitoring to State and Federal Lending Reporting and

Disclosure Agencies: TIL, RESPA, MDIA, HUD, HMDA, CRA, HAMP, ECOA, FCRA, etc..

• Achieved 98.7% (B2C) Customer Service Marketing approval rating and 85% Loan Origination vs.

Closing Ratio.

Popular Financial Services (Residential Mortgage Credit Union & Community Banks) Denver, CO

7/2003 – 9/2006

Regional Program/Sales Manager, Midwest United States

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• Deliver critical key performance and lending (Residential, and Commercial) conduits to 85 Financial

Executives to enable their financial institutions to enhance product offerings to customers beyond

traditional Secondary Market turn-stills in conjunction with subsidiary company, Equity 1 Consumer

Finance.

• Actively participated as spokesman in Lending Conferences, (Colorado, Florida, Oklahoma, Kansas,

Missouri, Illinois, Nebraska), sponsored by respective State Agencies and Business Associations.

• Advised Business Clients of current Underwriting Parameters, Compliance & Q/A matters to prevent

fraud and misrepresentation.

• Increased Mortgage and Commercial Loan business from less than $200K @ month to $7.45M @

month in flow loan non-conforming mortgage loans.

CUNA Mutual Group, Tampa FL & Madison WI

6/2001 –3/2003

Credit Union Business Consultant: Southeast Division

• Advised, implemented and Trained CU employees, representing over 129 Credit Unions, in matters of

retail Consumer Credit and Residential Mortgage Banking Underwriting policy, risk assurance,

compliance, GAPP and Warranty membership sales and operations.

• Consulted 32 Credit Unions in matters pertaining to expansion of business into Commercial Lending

conduits.

• Analyze the foreclosure and bankruptcy status on each loan in assigned portfolio. Identify and resolve

potential delays or escalate as necessary.

• Spearhead planning initiatives with CU Executives and respective Board of Directors to employ

innovative opportunities to enhance lending initiatives and reduce loan delinquencies and advise on

Loss Mitigation by putting into operation Credit Score modules, Underwriting Standards and Servicing

platforms and REO Processes.

• Mediated matters of Compliance (HMDA, CRA, ECOA, FCRA, TIL, RESPA, HUD) in regards to Credit Union

loan portfolios; saving a major Credit Union in Florida over $500K in Federal Disclosure penalties.

• Coordinated the migration and training of 24 Credit Unions from Closed-end to Open-end Consumer

Lending platforms; enhancing website and call center lending initiatives resulting in 150% increase in

customer lending accessibility.

• Analyze the foreclosure and bankruptcy status on each loan in assigned portfolio. Identify and resolve

potential delays or escalate as necessary.

IMC Mortgage, Tampa, FL 6/1994

– 11/2000

Credit Unions and Community Banks: Preferred Partner Program

National Sales Director Mortgage Lending Division

• Developed a National Retail/Wholesale Conforming and Non-Conforming Residential and Commercial

Lending Sales and Operations Platform for Loans originated from 382 Credit Unions and Community

Banks.

• Ultimately responsible as Team Leader to ensure prompt and Compliant training to matters relative to

Loan Servicing & Compliance in matters of: Operations, Collections, Loss Mitigation & Default/REO and

property dispositions.

• Grew business from meager $150K to bold $350M per month “flow” loan mortgage activity within 1st

year.

• Managed Call Center Sales and Operations staff of 85 administrative and line personnel.

• Mediated business associations with MGIC, PMI, UGI, and CMI Mortgage Insurance Companies

prompting the first Wall Street security with Insured Alt “A” loans.

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Aberdeen Proving Ground Federal Credit Union, Aberdeen, MD

6/1991 – 5/1994

Senior Lending Manager

• Designed and Initiated Secondary Mortgage Division from 1 individual to 10 individuals, facilitated

business growth exceeding $3.5M @ month; making the Credit Union one of the top 25 Credit Union

lenders selling loans directly to Fannie Mae.

• Earned DU/DE Underwriting delegation and introduced sponsorship of Fannie Mae, Freddie Mac and

Government Lending conduits toward further product expansion.

• Implemented Commercial Lending Origination platform in conjunction with CUNA Mutual and Northeast

Credit Unions.

• Implemented portfolio Consumer Home Equity program earning Credit Union additional $525K net

income in first 12 months.

• Developed and implemented Government Lending Programs, including FHA, VA and SBA.

• Director of Consumer Lending Marketing initiatives: Trade Shows, Community First-time Home Buyer

Clinics, Realtor Associations, Credit Union League spokesman in matters of: CRA, HMDA, TIL, RESPA,

ECOA, FCRA.

Education and Business Associations

• York College of Pennsylvania, York, Pennsylvania BS (Business Psychology)

• Internship with York Bank and Trust Co, Retail Branch Management and Operations

Security

• “Service Edge” Business Certification, Audit and Compliance.

• Earned FHA/VA/Fannie Mae/Freddie Mac DE/DU Underwriting Status (currently in hiatus

with Agencies)

• Certifications: American Institute of Banking (Consumer Lending Teaching Certification),

Omega Lending, Who’s Who in outstanding Business Leaders, active Florida Mortgage

Correspondent and Broker Lender’s License.

• Current Member of CEB Regulatory Audit and Roundtable.

• Past Member York College Alumni Board of Directors.

• CUNA Mutual Commercial Lending Advisory Committee.

• Member Board of Directors York County Community Progress Council and Civic Association

• Membership with MBA, NMBA, CMLA, FMBA

• Community Involvement: Elected to York Suburban School District Board of Education,

Lincoln Intermediate Board of Education, York Vocation Technical School Board

• Earned Public Speaking Certification at Greenberg Speaking Academy

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