Matt Hoch

ac0rwo@r.postjobfree.com **** Leafy Tree Lane, Ellicott City MD 21043 410-***-****

Wells Fargo Bank N.A. (3/2005-Present)

Vice President- CTS Account MGMT Supervisor 2 (9/2016-Present) & CTS Account MGMT Supervisor (3/2015-9/2016)

Manage a team of direct reports, contractors (Aerotek) and PWC team members in the administration of the Small Business Administration (SBA) contract

oOversee all the hiring of Aerotek contractors and relationship management with Aerotek recruiting

Lead monthly relationship meetings with PWC to review staffing needs, performance and revenue share hours

Primary point of contact assigned to the SBA for the administration of the FMLP portfolio of loans

Took over the customer service process for the SBA in April 2016. The team had failed to meet contract requirements for same day resolution customer inquiries each month in 2016.

oLed the team to record performance in both May and June 2016

oRaised same day customer inquire resolution from 86% to 97%

Redesigned the team’s monthly production Funding Process for onboarding new SBA loans

oInstituted a formal review and tracking of errors

oReduced team overtime by 65% each month and eliminated team dinner expense

oIncreased loans funding per FTE by 10%

SBA team leader responsible for TranStar transition and testing

Vice President-Operational Risk Manager 2 (7/2013-3/2015)

Led the daily operations of 4 separate horizontal Servicing Risk Management functions

Manage remote location employees in 2 locations (MD, VA, IA)

Responsible to lead all hiring efforts for all teams reporting to SVP. Duties include interview guides, candidate screening, interviewing and job folders. Hired 3 ORM2’s and 8 ORC3’s in 2014.

LRA Team (Legislative and Regulatory Alert)

Monitor LRA impact review and implementation process across Servicing and Default

Increased Change Control usage by 32% in the past 6 months

Reduced aged inventory by 30% in 2014

Closed 80% of the High Risk rated LRA’s in the inventory in 2014

Present results and pending risk initiatives to senior leaders on bi-monthly Servicing Risk Call

Subject matter expert during End to End process review project including technology and reporting components

Worked on re-engineering the LRA process which included revamping the data reporting and establishing SLA’s with all primary business lines (Foreclosure, Loss Mitigation, REO, Property Preservation)

Created new end to end process maps and published in Vizio

Instituted new RACI oversight document to clearly define roles and escalation points (Responsible, Accountable, Consulted, Informed)

Repurchase Team

Led alternative remedy solution meetings with business partners to avoid full repurchase impact (average savings per loan of $40,000). Improved appeal success rate from 34% in 2013 to 53% in 2014.

Reduced Servicing Repurchase impact from $14.5M in 2013 to $8M in 2014.

Created and instituted 18 business line action plans and closed 10 of them out by 12/31/14

During risk reviews of the business lines, identified and fixed gaps in the Deed in lieu, litigation support, doc ex processes

Performed root cause analysis and trending for executive level summary reporting. Instituted new reason codes in order to identify gaps.

NOTD Team (Notice of Title Defect)

Led project team creating internal process to comply with FNMA 2012-21 and FHLMC 2012-20

Self-reported over 5,000 discovered title defects to the GSEs

Achieved a 95% appeal rate on repurchase demands

Own and published procedures for 7 impacted business lines across the company (WFRETS, Post Closing, Foreclosure, Mobile Home, Default Litigation Management, Land Transactions and Liquidations)

Oversee internal executive reporting to identify risks by business line and illogical data

Monitor impacts of Fannie Mae settlement and excluded defect processing

SLS Vertical Risk Team (Servicing Litigation Support)

Review team IRAM (Internal Risk Assessment Matrix) updates made by ORCs

Created and tracked CICAT action plans

Provided oversight and monitored first CPSA (Compliance Program Self-Assessment) for SLS team in February

Review level 1 Change Control submissions

Assistant Vice President-Quality Assurance Manager 2-REO (6/2010-7/2013)

Managed the daily operations of 2 separate Quality Assurance teams consisting of 14 employees split between MD and IA

Cash Operations Quality Review Team

Managed a team consisting of 1 Quality Assurance Manager and 5 Quality Assurance analysts performing 4,500 monthly reviews spread over 20+ REO Cash processes (EX: AP, HOA, AR, Wires, etc)

Led multiple projects in order to converted the team from an Excel reporting form to an Access Database system and now to a web-based QA application

Performed Quality Assurance “check the checker” reviews to ensure the QA team is accurate in the reviews they perform for the business

Created attribute testing based on identified risks outlined in the Operational Risk IRAM

Reviewed and approved procedure updates after reviewing for impacts to quality reviews, risk and change control

Built and distributed monthly reporting figures in Excel to include trending and analysis of changes

REO Quality Review Team

Managed a team of 8 Quality Assurance analysts performing 2,500 reviews spread over 7 processes including Premarketing, Eviction, Asset Management, Precloser, Closer, Title Rep, Vacant Property

Managed 6 remote location employees in Des Moines, IA (and formerly in Fort Mill, SC)

Reviews were subjective and objective in nature and work in conjunction with published procedure. Specific reviews included validation of BPO’s and appraisals used for list price, reductions, offer acceptance, SCRA, etc.

Created and distributed monthly reporting summary used for incentive program and based off of error rate

Lead tester on deployment rollouts of web based QA system, “RQAD”

Reviewed SQL code to determine unexpected output errors

Handled database administration updates on employee profiles, QA test scripts, user access, etc

Lead trainer on all system enhancements to RQAD for both the QA team members as well as Business users

Created Exception Review Board concept and implemented in February 2013 utilizing a cross functional approach with RECOR, ORM and RCA

Assistant Vice President-Client Service Manager II-Corporate Trust Services (7/2008-6/2010)

Managed a team of 8 SAS Analyst 2’s and 3’s who processed Residential Mortgage Backed Securities (RMBS deals) and loan accounting reconciliations of server’s loan level summaries

Facilitated the client relationships with American Home Mortgage, Citigroup, Merrill Lynch and Wells Fargo Home Mortgage

Set-up and administered monthly relationship conference calls with all clients under my supervision

Responsible for being subject matter expert (SME) for reviewing the most complex transactions and reconciliations

Performed Quality Assurance reviews on all staff processing and reconciliations using LASER and Phoenix

Worked in partnership with Default Group to review loan mods and losses associated with foreclosure and REO properties

Performed risk review of PSA’s prior to issuance and payment of security. Reviewed for due date, Trustee, Master Servicer role language that put Wells Fargo at risk in performing those roles per the PSA requirement.

Client Service Consultant III (6/2007-7/2008)

Served as team Project Manager in project orientation, coordination, testing and implementation of projects

Team Learning Coach and trained new hires and team members needing performance improvements

Performed Quality Assurance reviews on all staff master servicing and securitization payments using LASER and Phoenix

Approved money transfers associated with loan fundings or security payments which includes internal transfers, external wires and daily fund investments using the OWN system

Senior Analyst (8/2006-6/2007) & Analyst (3/2005-8/2006)

Monthly bond processing functions included: Verification of collateral data, calculating principal and interest distributions to security holders, allocating credit losses to securities, calculating administration fees and expenses, preparing security payment instructions for the Trustee, preparing and distributing collateral and security information reports to the Trustee

Monthly loan accounting functions included: Parallel processing of monthly loan payments on assigned pools of loans and reconciliation of the results to the Servicers, ensuring the servicer reports are accurate and complete for each cycle, researching and interpreting legal documents, resolving operational or process exceptions in accordance with procedures

Performed Quality Assurance reviews on all staff processing and reconciliations using LASER and Phoenix

Responsible for processing the most complex transactions or reconcilements relating to loan or security transactions

Reconciled daily cash transactions to the system using FED reference numbers and SEI accounts

Reviewed models for discrepancies with models created by a 3rd party partner, Intex. Deals are modeled using Intex CMO Modeling Language. All models are stress tested for variances using 10-16 tests per RMBS deal

Education/Certifications

The University of Georgia

Athens, Georgia

Bachelor of Business Administration-Marketing

Graduated 2003

Iowa Quality Center

Six Sigma Green Belt Training

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