Executive Customer Service

MITCHELL HOGINS, CPA

**** ****** ***** • San Jose, CA 95125 • 916-***-**** • ac70ir@r.postjobfree.com EXECUTIVE SUMMARY

Finance & Operations Executive – Extensive experience in finance, operations and enterprise leadership. Strategic thinker who has redesigned organizational structures and processes to drive revenue growth, cost efficiencies and bottom line finanical improvement. A proven leader who has developed high performance teams through strategic planning, goal setting, recruitment and professional development.

Expertise: Executive Team Leadership Executive / BOD Reporting Strategic Partnership Mangement Equity/Debt Structuring Strategic Planning Treasury / Liquidity Management Contract Structures / Financing Operational Process Design Litigation Management PROFESSIONAL EXPERIENCE

Western Bancorp, San Jose, CA – mortgage lending 2013 – 2018 Chief Financial Officer and Corporate Secretary

Responsible for Executive team management, finance, capital markets, contracts, strategic partnerships & human resources. Recruited to Western to provide financial oversight for corporate buyout to private equity or a public offering. Buyout completed in 2017 and position eliminated in 2018 due to consolidation of responsibilities into private equity shared services.

Managed Corporate Secretary and Board of Directors’ activities

Managed capital structures - debt and equity

Managed cost containment and corporate “right-sizing” during industry expansions and contractions Opes Advisors, Palo Alto, CA – wealth management and mortgage lending 2011 - 2013 Chief Financial Officer

Responsible for finance, technology, human resources and loan servicing for a twenty–one branch wealth management and mortgage lending company.

Implemented Frank-Dodd compliant financial reporting and commission payment program

Managed third party vendor responsible for servicing retained loan portfolio

Developed financial, accounting and cash flow forecasting processes for retained loan servicing program

Implemented comprehensive “Net Branch” financial reporting and management system Gateway One Lending and Finance, Anaheim, CA – auto finance 2008 – 2010 Chief Financial Officer

Responsible for finance, accounting, cash management, warehouse lines, loan sales executions and financial control processes for private equity funded auto finance company start-up.

Executed over 20 service retained loan sale transactions

Developed integrated GAAP and cash forecasting model – supporting four discrete business activities

Implemented loan sale investor reporting and cash remittance process

Developed analysis to support gain on sale accounting and valuations of discounted residual cash flows ResMAE Mortgage Corporation, Brea, CA – mortgage lending 2007 - 2008 Executive Vice President, Chief Financial Officer

Executive finance member of a new management team recruited by the Citadel Hedge Fund to lead ResMAE through a post- bankruptcy turnaround effort. Loan originations ceased in 2007 due to upheaval in mortgage industry, with final shut-down in early 2008.

Oversaw orderly shutdown and transition of finance and accounting into investor’s organization

Developed comprehensive executive reporting for investors

Provided financial decision support for acquisition of a loan servicing platform Wachovia / First Union Bank 1997 - 2007

Senior finance and operations leader for ten years within Wachovia/First Union. Requested to serve in various consumer finance operations in order to strengthen management teams and provide enterprise wide strategic oversight and direction. Resume of Mitchell Hogins

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Wachovia Education Finance, Rancho Cordova, CA – student lending 2004 - 2007 Senior Vice President, Chief Operations Officer

Responsible for $12 billion student loan operations, including; loan life cycle from origination through final payoff, customer service call centers, project office and strategic initiatives, internal support services and business oversight of technology.

Implemented unsecured private student loan origination unit

Consolidated third party loan servicing and implemented private label servicing

Oversaw three year compounded volume growth of over 20%

Reduced internal loan origination costs by 30% and internal loan servicing cost by 29%

Improved Gallup overall customer satisfaction scores for three consecutive years Wachovia Mortgage Corporation, Charlotte, NC – mortgage lending 2002 - 2004 Senior Vice President, Asset Management Leader

Responsible for mortgage loan operations, including: loan bookings, post-closing review, interim loan servicing, third party loan servicer management, loan sale delivery, and sale of loan servicing rights.

Oversaw annual loan bookings of $28 billion and servicing of a $30 billion loan portfolio

Implemented “Business Self Improvement” program

Led development of third party loan servicing scorecard and control matrix

Supported merger and integration of Wachovia Mortgage Corporation and First Union Home Equity Bank First Union Home Equity Bank, Charlotte, NC – home equity lending 2000 - 2002 Senior Vice President, Chief Financial Officer

Responsible for finance, accounting, secondary marketing for loan sales, pricing, and the project office for $11 billion home equity operation. Merged with Wachovia Mortgage Corporation in 2002.

Managed liquidation of $700 million troubled asset portfolio

Directed “Return on Equity” analysis that drove improvements in pricing, cost efficiencies and bottom line margins

Oversaw implementation of loan post-closing application that improved productivity and reduced loan closing time

Revised finance office structure to support reporting for three independent business channels. First Union Auto Finance, Charlotte, NC – auto finance 1997 - 2003 President 2000 - 2003

Senior Vice President, Chief Financial Officer 1997 - 2000 Initially hired as the CFO with responsibility for finance, accounting, pricing, and project office and technology management of the $11 billion business unit. Promoted to President to oversee the exit from the auto finance business. Had overlapping responsibilities with First Union Home Equity Bank and Wachovia Mortgage Corporation during the exit. Other Responsibilities

Hyundai Motor Finance Company, Fountain Valley, CA – auto finance Vice President, Finance

Security Pacific Auto Finance Company, Westlake Village, CA – auto finance Vice President, Controller.

The First National Bank of Anchorage, Anchorage, AK – commercial bank Comptroller

Arthur Young & Company, Anchorage, AK - public accounting Audit Senior

EDUCATION & AFFILIATIONS

Master of Business Administration - Finance, California State University, Long Beach, CA Bank Administration Institute Banking School - Controllership Major; Madison, WI. Bachelor of Arts - Accounting, Western Washington University, Bellingham, WA Certified Public Accountant – Non Active

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