Real Estate Management

JOSE CAMILO

Cell 773-***-****

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

EXECUTIVE PROFILE

Corporate Compliance and Govt. Regulation Assistant General Counsel of successful Mortgage

Group. 15+ years of regulatory compliance and mortgage lending experience. Developed

solutions to drive growth and profitability in challenging and competitive markets. Strong

leadership and motivation, client relations, communication, negotiation, creative and analytical

skills. Decisive, focused and results oriented. Especially skillful at identifying regulatory

developments such as CRA, ECOA anti-redlining statutes. All contract interpretations, capturing

profitable opportunities, creating strategy to capitalize on them, and managing through to

completion. Extensive professional skills and experience including:

Sales and Marketing Leadership Leading Operational Management

• Cultivation Client Relationships Contract & Vendor Negotiations

• Business Development Strategy Full P&L Accountability

• Product and Service Development Divisional & Corporate Mgmt.

• Legal Consultant - Juris Doctorate Fraud Investigations

• Training and Development Modifications/Workouts

• Bilingual – Fluent in Spanish Govt. & Regulator Compliance

PROFESSIONAL EXPERIENCE

Fay Financial Servicing LLC, Chicago, Illinois - July 2012 – Present

Associate General Counsel Compliance and Vendor Management. Provided reasonable

assurance that regulatory compliance requirements and potential compliance risks have been

identified and addressed. Oversight of the development and implementation of company-wide

compliance programs. Assessment and oversight of compliance and regulatory risks;

development and implementation of compliance monitoring, testing and training initiatives

undertaken by the department; consultation on and oversight of key business initiatives and

major projects; coordination of state regulatory compliance examinations. Good working

knowledge of the NMLS Licensing in numerous States, of mortgage originators, MCR’s and

jurisdictional requirements. Familiarity with mortgage servicing, including mortgage lending

related regulation laws, including but not limited to federal regulations, laws and programs

(TILA, RESPA, HOEPA, HMDA, ECOA, FDCPA, FACTA, the U.S. Treasury/Freddie

Mac/Fannie Mae modification and refinance programs, coupled with various state mortgage

lending laws and procedures.

A-Pan American Mo rtgage Group L LC, Chicago, I llinois - June 1997 – Nov

2011 Director Real Estate Legal Division. / Corporate Compliance and Government Regulation

Director. Identified emerging compliance risks by closely monitoring regulatory developments

and internal and external business initiatives, including due diligence and integration. Assessed

the impact of business process changes necessitated by regulatory developments and other

events. Consulted with and advised management as to necessary business and corporate

processes to promote day-to-day compliance. Assessment and oversight of compliance and

regulatory risks; development and implementation of compliance monitoring, testing and

training initiatives undertaken by the department; consultation on and oversight of key business

initiatives and major projects; coordination of regulatory compliance examinations.

Cook County State’s Attorney, Rolling Meadows, IL - February 1996 - June 1996

Legal Intern assisted State’s Attorney in criminal and civil cases with research. Prepared

and filed motions. Attended 401 conferences on multiple cases. Assisted in case research and

interpretation when language was an impasse.

Austin Bank of Chicago, Bensenville, IL. - May 1995 – January 1996

Originated residential, government and conventional first and second mortgages.

Instrumental in originating rehabilitation loans in declining markets of the city and surrounding

metropolitan area. Consistently exceeding levels of production.

Chicagoland Mortgage Corporation, Chicago, IL. - June 1989 - May 1995

Branch Manager. Supervised, training and development of loan officers in residential mortgage

lending. Originated residential and commercial loans. Oversight of production and routinely exceeded

levels over 15 million.

Margaretten Mortgage Bankers, Chicago, IL. - March 1986 - May 1989

Residential Loan Officer. Originated residential FHA/VA and conventional mortgage loans.

Specialized in FHA/VA loans.

Allstate Insurance Company, Lincolnwood IL. - March 1984 - March 1986

Multi-line Claims Adjuster. Settled and negotiated personal injury claims. Managed file load of

40-60 auto and homeowner losses.

EDUCATION

The John Marshall Law School, Chicago, IL.

Juris Doctorate (J.D.)

Real Estate Law / Intellectual Property

DePaul University, Chicago, IL.

Graduate School of Business, Master Business Administration (MBA)

Human Resource Management / Public Relations

Loyola University, Chicago, IL.

Bachelor Business Administration (BBA)

Finance / Marketing / Communications

Languages Spoken

Spanish – fluently Italian & Portuguese – semi proficient

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