James A. Rex

**** ***** ***** ***** #***

South Pasadena, FL 33707

727-***-**** Cell

SUMMARY

Over twenty-five years of management experience in diverse positions with Planet Home Lending, JP Morgan Chase, Fremont Investment and Loan, Bank of America and other financial services companies. Experience includes business development, marketing, insurance, loan operations, underwriting, quality control, compliance, training, credit risk and branch management. PROFESSIONAL EXPERIENCE

Planet Home Lending, LLC

Senior Credit Risk Analyst 2021-2023

Responsible for the delivery of Quality Control requests, Missing Document Requests as well as Data Verifications through Fannie Mae’s Loan Quality Connect and Freddie Mac’s Quality Control Advisor as well as all MI Companies.

Senior UW Scenario Desk Analyst 2020 – 2021

Providing timely responses to requests for guidance related to product and credit policy guidelines. Support Planets business channels by acting as the central point of contact for Loan Officers and others in need of product or credit policy assistance.

Senior Credit Risk Analyst 2019 – 2020

Work in concert with the Post Closing Team to cure any defects on loans that are being sold to investors. Interim Head of Quality Control 2017 – 2018

Responsible for the overall direction, coordination, implementation, execution, control and completion of all initiatives related to the Quality Assurance/Quality Control Department. Oversee and assign department staff to perform mortgage servicing and origination quality assurance audits and reviews. Create and present senior management level consultative reports. Communicate with all levels of management and staff: Inquiry of various aspects of the company's operations and discuss audit exceptions. Preparation of operational audit reports of findings and recommendations. Oversight and enforcement of procedures and policies. Analyze the assigned tasks or departments to evaluate Quality Assurance and controls.

Director of Wholesale Operations 2016 - 2017

Accountable for developing the strategy and overseeing the day-to-day operation of our Mortgage Broker partnerships for the Wholesale business. Leveraged customer, sales and loan data to ensure timely and accurate production. Ensure delivery of high-quality customer service that meet our wholesale partners’ expectations. Also responsible for managing to key margin and cost targets to ensure the company meets overall profitability goals. Retail Branch Manager 2015 – 2016

Responsible for the development and performance of all sales activities including coaching the mortgage loan officers to achieve required performance levels by establishing a production-oriented sales team. Ensures quality of work completed by the loan officers meets Company customer service standard while adhering to Federal and State guidelines and regulations, and company policies and procedures. Responsible for all lending operational functions including processing, underwriting, closing, and funding within the branch location. Provide leadership, guidance and support to the operations team. Manage loan pipeline to ensure quality and timely processing of all loan applications. Provide direction to achieve daily and monthly goals. Serve as subject matter expert on all origination functionalities. Manage the branch to achieve satisfactory safety, soundness, and compliance regulatory examination results. Ensure all loans are originated in compliance with state and federal laws and applicable agency and investor guidelines.

Oversee the department’s hiring, performance appraisals, salary administration, disciplinary actions and terminations as required. Direct performance/productivity standards of all functions within the originations unit operations while building measurements for statistical analysis. Quality Control Manager 2011 - 2015

Support the quality control audit requirements of the loan origination and loan servicing business entities. Administer Quality Control program to ensure compliance with HUD, GNMA, VA, FNMA, FHLMC, USDA, Investor, and Insurer requirements.

Maintain quality control programs for loan originations and loan servicing. Monitor, track and report audit results to executive management and audit committees. Complete loan origination and servicing examinations. Perform audits on all fraud or misrepresentation identified in origination quality assurance audits, EPD Audits, Investor Repurchase Demands as well as Investor mandated audits. Clayton 2010 – 2011

Forensic Underwriter

Perform in depth forensic underwriting review of closed mortgage loan files for compliance with applicable State and Federal laws and adherence to FNMA guidelines with an emphasis on buy-back/put-back possibilities. This review includes identifying potential fraud and/or misrepresentation on the part of all interested parties to the transaction.

JP Morgan Chase 2008 – 2010

AVP; Operations Manger

Responsible for building a Default Management Team in Tampa to handle Modifications and Short Sale negotiations and close transactions from a Bank Owned Home Equity Portfolio in order to mitigate losses. Developed a Quality Control Team focusing on verifying the accuracy of income documentation and calculations as well as reviewing all files for indications of fraud and investigating those files through resolution.

Grew operation from original count of 20 employees to level of 173 employees.

Responsible for review and approval of Modification and Short Sale files by focusing on verifying borrower’s hardship and working with borrower’s and third parties to negotiate resolutions.

Recruited and trained ten supervisory level employees to manage inbound calls, file processing, underwriting and closing.

Saxon Mortgage 2007 - 2008

Area Sales Manager

Built Inside Sales Team from start up to producing in excess of $25 million in funded loans monthly.

Recruited, trained and supervised over 20 Account Executives.

Developed training agendas in areas of income verification and fraud detection in order to assure quality of loan applications prior to underwriting.

Consistently maintained top production ranking for the Southeastern Division. Fremont Investment and Loan 2003 - 2007

AVP; Operations Manager

Responsible for the overall results of operation team in order to meet company standards in production, quality control and compliance by motivating and coaching employees involved with applications, underwriting, processing, funding and post closing.

Began as Underwriter and progressed to Operations Manager in two years.

Selected to participate in Catalyst Management Program intended to develop future company leaders.

Consistently maintained corporate audit review scores above 96% ranking as Center Leader by delivering training in all areas of responsibility. EDUCATION B.S., Business Administration, Bloomsburg University of Pennsylvania H & R Block Tax School

LICENSE NMLS License Number 909448

DE Number IN49

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