VICKI AMARO

**** ***** ***** ***** • Alexandria, Louisiana 71303

770-***-**** • acam0d@r.postjobfree.com

Profit-driven banking professional with broad-based experience and genuine dedication to customer service, client

relationship management and business retention, offering extensive knowledge of

commercial/residential/consumer lending including loan operations, credit risk, loss mitigation, real estate owned,

and documentation and portfolio management functions. Highly organized, results oriented professional with talent

for balancing production needs with customer service and efficiency. Recognized for ability to lead and guide

operating units while increasing technical expertise, skills and knowledge of staff. Exceptional leader; inspire

teams, build productive employees and attain measurable results. Bring advanced service acumen, technical and

problem solving skills. Critically evaluate and minimize operational costs in context of organization profitability.

Dedicated to maintaining reputation built on quality, service and uncompromising ethics.

Underwriting • Credit Risk • Loss Mitigation • Loan Due Diligence • Compliance • Financial Analysis •

Policy Development • Performance Management • Quality Assurance / Testing • Business Development •

Project Management • Restructuring • Start Ups • Change Management • Consulting • Strategic Planning • Team

Leadership • Policy Development • Process Improvement • Account / Territory Management • Client Relations •

Negotiations • Needs Assessment • Presentations • Accounts Payable / Receivable • Budgeting • Expense

Control • Product Marketing • Customer Service • Public Relations • General Ledger • Internal Controls • Payroll

• Reporting • Benefits / Compensation • Recruiting • Training • Workforce Planning •

PROFESSIONAL EXPERIENCE

RED RIVER BANK, Alexandria, Louisiana • 12/2010 to 09/2013

Bank specializing in 75% Commercial Lending and 25% Consumer Lending.

Assistant Vice President, Loan Operations - Commercial Loan Processing Manager

Direct daily activities for six Commercial Loan Processors / Closers including providing supervision, training, and

sole responsibility for final review of all commercial loans, from all locations/branches, ensuring full compliance with

all bank policies and guidelines, as well as, Federal and State regulations. Monitor all financial and loan closing

documentation supporting proper collateralization prior to release of documents for closing, and ensure all

documents are received and booked on Core System, and direct employees clearing all remaining conditions post

close.

Achievements:

• Led bank to 90% paperless driving cost control efforts and efficiency by creating electronic file storage for loan

documents to be shared between approved personnel.

• Facilitated “at a glance” pipeline tracking through creation of group shared electronic calendar for all loans

received, complete with date and time of expected closing, name of processor/closer and applicable attorney,

and date closed.

• Increased accountability and efficiency, as well as, eliminating Late Notices on loans closed and not properly

booked and General Ledger discrepancies through development and implementation of electronic reporting

tool identifying when loans were received, printed, sent to be closed, received back, and booked into Core

System.

• Saved costs and enhanced productivity and efficiency by recommending utilization of electronic appraisal and

environmental files.

OCWEN/ALTISOURCE PORTFOLIO SOLUTIONS, INC., Alpharetta, Georgia • 4/2010 – 11/2010

National bank, start up division.

Team Lead - Owned Real Estate (FDIC Contractor) and AltiSource Team Member (Contractual)

Served as a Team Lead for FDIC Receiverships on failed banking institutions, while providing oversight for Bank

regarding establishment of guidelines for strike teams entering and exiting failed institution, development of

Resume

procedures, forms, templates, job descriptions, travel requirements, reporting requirements, deployment process,

and asset management for marketing and sale of received assets.

VICKI AMARO • Page 2 • acam0d@r.postjobfree.com

OCWEN/AltiSource Cont…

Achievements:

• Delivered numerous key contributions to FDIC awarded contracts including developing detailed guidelines and

procedures for AltiSource FDIC ORE,(Owned Real Estate) Strike Teams, completing and submitting final

guidelines for management which outlines the asset marketing and sale of assets, creating Interview

questionnaire and job descriptions for potential members and support staff utilized throughout hiring

procedures.

MIR MITCHELL AND COMPANY (MMC GROUP), Irving, Texas • 8/2008 – 3/2010

Contractual company for many facets of business in the banking, financial services industry.

Asset Servicing Professional and REO/ORE Asset Serving Professional

Managed workouts, asset management, loss mitigation, and final disposition. Served as workout specialist for

active loans through FDIC Receivership. ORE/REO workout specialist for loans in default or foreclosed prior to

closure by Federal and State Regulators. Serviced mortgage real estate, consumer, and commercial real estate,

construction, and vehicle loans.

Achievements:

• Ensured proper coverage by floating through numerous functions offering oversight by pairing with Asset

Managers, Project Managers, FDIC Legal, Accounting, Operations Manager, ORE, Post Closing Asset

Manager, other FDIC Representatives, Real Estate Brokers, Investors, Appraisers, Environmental Specialists,

and other contractual personnel focused on bringing all assets to final disposition and maximizing recovery for

FDIC Receivership.

• Maximized time, monitoring, and accountability for each asset as member of Final Closing team, providing

guidance and assisting in final closure of facility at end of Receivership / failed institution, as well as,

developing spreadsheets for milestone and progress monitoring throughout process .

• Qualified, sourced, and on-boarded five additional personnel supporting Receivership needs.

LYDIAN DATA SERVICES, Atlanta, Georgia • 10/2007 – 8/2008

Underwriting contract services for banking and financial institutions nationwide.

Due Diligence Underwriter (Atlanta Travel Team/Bulk Underwriting)

Performed final credit, collateral review, and compliance review of seasoned loans in foreclosure or in serious

delinquent status in possible repurchase position. Reviewed original loan documentation, conducted investigations

identifying potential misrepresentation and / or fraud schemes. Prepared final Repurchase Review

recommendations and reports for submission to servicers, banks, and investment firms.

Achievements:

• Selected by management to stay on as "best underwriter" through numerous cutbacks and layoffs.

HSBC MORTGAGE SERVICES, Brandon, Florida • 1/2005 – 12/2007

International bank providing banking and financial services worldwide. Bank division closed by HSBC.

Unit Manager (North Region) - Mortgage Services, Acquisitions - Bulk Underwriting

Oversaw on-boarding, training, and supervision of eight national Team Lead Underwriters managing regional

clients, sales staff, and budget. Reviewed loans determining credit worthiness, appropriate collateralization, and

compliance with company policies, products, and pricing matrices, as well as, all Federal and State regulations.

Prepared and submitted daily reports addressing areas or trends of concerns, recommending approval or

declination for acquisition in pools of loans ranging from multi-million dollar pools to smaller pools of $5M or less.

Served as Managing Team Lead for larger volume clients and 50 permanent and contractual employees, while on

larger loan acquisition pools of loans for securitization by bank. Served as primary contact for larger volume sellers

Resume

and created and delivered training materials and presentations for clients on products, product changes, current or

new underwriting guidelines.

VICKI AMARO • Page 3 • acam0d@r.postjobfree.com

HSBC Cont…

Achievements:

• Garnered prestigious Long-Term Achievement Award for stellar demonstration of skills, as well as, being

recognized with Outstanding Performance Reviews two years in a row

• Chosen to transfer to sister company at final division closure as Level III Underwriter, one of only five to be

kept on throughout closures and cutbacks.

WASHINGTON MUTUAL BANK (WAMU), Jacksonville, Florida • 6/2004 – 12/2004

Consumer loan provider.

Manager - Consumer Risk Oversight Transaction Review Team – Start Up Division

Handled daily operations, while providing leadership and expertise to nine Consumer Risk Oversight Post Closing

Underwriters engaged in post review of more than 240 different loan programs.

Achievements:

• Ensured accuracy and efficiency by providing skill enhancement for direct reports through goal-setting,

delegation, training, counseling, and performance management developing solid team responsible for 10% of

monthly pipeline closures.

• Consistently met and exceed set goals through implementation of monthly staff production and quality goals.

THE CLAYTON GROUP, Shelton, Connecticut • 3/2003 – 6/2004

Contract company for multiple facets of financial, banking and investor consulting services.

Project Manager and Team Lead Underwriting (Bulk Acquisition, Special Projects, and Legal Reviews)

Managed Contractual Underwriters performing final review of underwritten loans ensuring compliance with pricing,

policies, credit, collateral, equity, overall risk level, and Federal and State regulations. Prepared and submitted daily

reporting requirements, handled remote and direct site set-ups and final closure / exit process.

Achievements:

• Plucked to serve as Project Manager / Team Lead on long-term legal review mandated by Federal and State

Regulators, collaborating with client legal division and training 75+ underwriters from 3 different contracting

companies with underwriters on Legal Audit, and driving full audit completion.

• Chosen as Project Manager / Team Lead for long-term assignment with large key clients overseeing 25-30

Underwriters.

• Selected by Senior Management to be Team Lead on multiple Special Projects, due to diverse skill set and

ability to adapt easily in any environment.

CAREER NOTE: Additional experience includes roles as President / Owner, MYSTIKAL MORTGAGE GROUP,

INC., Account Executive, PARKWAY MORTGAGE, INC, Vice President of Operations, ALPHA MORTGAGE

BANKERS, Senior Loan Originator, RESIDENTIAL FUNDING GROUP, Loan Specialist – State of Louisiana,

HUD (USDA), FARMERS HOME ADMINISTRATION – RCDS. Details available upon request.

CERTIFICATIONS

Accounting I, II, III

Alexandria Vo-Tech College – Alexandria, Louisiana

Louisiana State University at Alexandria (LSUA) – Alexandria, Louisisna

TECHNICAL SKILLS

Microsoft Office Suite • Horizon • Point / Calyx • Laser Pro

Resume

PROFESSIONL ORGANIZATIONS / AFFILIATIONS

National Association of Professional Women

Association of Certified Financial Crimes Specialists

Bank Managers Group

Resume

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