Stephen J. Montez

***** **** **** ***

Aurora, Colorado 80019

303-***-****

ad30ju@r.postjobfree.com

Objective A full-time position in credit risk in which I can apply my previous knowledge and experience, can grow in the position, and can advance to positions of leadership with increasing responsibility.

Experience Wells Fargo & Co.

Senior Valuations Coordinator 2022-Present

• Updating over 300 vendor profiles, appraisal fees, licenses, and insurance policies.

• Act as a single point of contact for external business partner relationship on a day-today basis that represents approximately 14,0000 valuations annually.

• Recruiting appraisers for orders that are not able to assign panel appraisers due to unavailability and location for different lines of businesses.

• Daily reviews of individual pipeline, prioritizing and recruiting new Panel appraisers.

• Maintaining a 98% or better quality assurance rating on all personal metrics Business Analyst 2019-2022

• Identify and assess risk management, design and implement controls, attention to detail and monitor corrective actions to ensure they are working.

• Maintain strong relationships with control partners for corrective actions.

• Collaborate with cross functional groups to ensure comprehensive understanding of business unit review processes, tool/system Agile testing supporting process, validate requirements and formal policies/procedures that align with SAA’s.

• Facilitate effective communication and collaboration with an initiative team.

• Monitor, track, implement and evaluate effectiveness of corrective actions, programs for risk management. Strong time management skills and ability to meet deadlines.

• Consult with leaders and initiative teams on approach, process, tools and strategy.

• Collaborate with Issue Management to update Shared Risk Platform (SHRP), TRACE and JIRA websites with updates that are tied to corrective actions.

• Perform front-line risk responsibilities as required per the Wells Fargo Corporate Risk governing documents and related policies and standards.

• Knowledge and understanding of Shared Risk Platform (SHRP).

• Knowledge and understating of Confluence and SQL to update and track corrective actions.

• Knowledge and understanding of operational risk management, RCSA, frameworks, methodologies, implementations challenges, internal review in financial industry. PMO organizational modifications structured as a change management project. This includes: (1) accounting for change management considerations and processes when designing and executing the overall initiative; (2) structuring the organizational shift as a project per PMI’s

(Project Management Institute) project management methodologies; and (3) incorporating a mechanism in the final deliverables to continuously evaluate PMO performance and make adjustments on an ongoing basis as necessary.

• Ability to work across multiple lines of business leading large scale initiatives.

• Maintained SharePoint website for Finance team. Update roles, permissions and feel for SharePoint site.

• Lead functional/virtual teams to strategize, plan and execute programs. REVS Appraisal Valuations Analyst 2015- 2019

• Use CMS Evaluation appraisal system to assign, analyze reports, assign escalation appraisals request to Appraisers who are approved to work with Wells Fargo & Co. to complete report.

• Ability to take initiative, have a sense of urgency, accountability, prioritization, operational risk management and resolve issues.

• Experience handling multiple tasks, work in fast paced, high demand priorities.

• Knowledge and understanding of real estate valuations, commercial banking, commercial real estate, lending, underwriting and title.

• Works independently and collaboratively on moderately complex issues and projects.

• Ability to identify challenges, anticipates obstacle, operational risk management, market risk and resolve issues.

• Excellent verbalizing and establishing credibility with business units, and maintain effective working relationships.

• Vendor management experience for REO and FHA orders.

• Analyze and solves a variety of operational, system-related, complex issues, generating alternative solutions and determining root cause.

• Worked as a SME and User Acceptance Testing (UAT) for the New CMS using user stories for implementation deployment.

• Work on multiple Tableau reports for Management for aged orders, phone reports for timesheets and reports for quality assurance department.

• Project management making recommendations to managers and strong relationship management skills.

• Identify, develop and implement policies, procedures and training materials to new hires.

• Research, analyze, pays high attention to detail and understands Operational data to meet deadlines.

• Ability to provide leadership by coaching, strong management skills, training, recruiting experience and mentoring.

• Leadership experience on two teams where I was able to develop processors ability to become successful at their jobs.

• Phone screen and consult with managers on potential consultant team members to recommend candidates to move forward in selection process.

• Lead team with the highest integrity and created an environment where they felt included, valued and energized.

Western Union 2015- 2015

Compliance Processor

• Rule out Alerts by due diligence and analyzing research so Master Agent can be approved for using Western Union Services for wire transactions.

• Search Master Agent business entity’s trade name, ownership, executive management, and all controlling persons.

• Due Diligence search by using mainstream media sources, Politically Exposed Person lists, OFAC and government sanctions list. Homebridge Financial Services 2014-2014

Team Leader Coordinator

• Generated Disclosures for loan officers making sure that Disclosure was accurate.

• Manage Loan Process from Application to Close using reports I created.

• Act as back up to originate new loans as necessary.

• Run and analyze pipeline query spreadsheets reports, title and appraisal reports for branch for monthly quotas

• Order appraisal and title orders.

• Created realtor contact information reports for Loan Officers.

• Coordinated multiple tasks and met aggressive time frames. Nationstar Mortgage

Pre-Purchase Reviewer 2013-2014

• Data entry loans from loan Correspondents.

• Quality Assurance over Greenlight Mortgage acquisition.

• Analyzed loan documentation to ensure integrity of loan packages.

• Calculated debt to income to match ratio findings in LP, DU and GUS for FHA, Freddie Mac, Fannie Mae and USDA loans.

• Set conditions for Correspondents to send in missing information from reviewed loans.

Lender Live — Denver, Colorado

Processor 2012 -2013

• Processing properties with a pipeline of 35 loans. Aurora Bank FSB — Littleton, Colorado

Loss Mitigation Manager (Home Retention Department) 2006-2012

• Supervisory Manager handling cash on Cash Default Team to apply cash to payment plans, reinstatements, short sales and payoffs for Home Retention Department, operational risk for credit operational risk in financial risk services. Set up cash tasks to move funds.

• Supervise individuals to ensure cash was applied timely to accounts, quality, and compliance.

• Provide consultation to build employee relations relating to corrective actions and ongoing monitoring plans.

• Project management skills resolving complex issues, generating solutions, and determining root cause.

• Analyzed aging spreadsheet pipeline query report to monitor cash payments that were applied to accounts for operational risk management and monitored funds that were out of compliance.

• Made day-to day managerial decision and resolve issues related to team tasks, processes and procedures.

• Verbal and written communication with Senior management for monthly reports

• Analyzed Foreclosure Postponement pipeline query report to stop foreclosures.

• Managed Foreclosure Postponement inbox to answer escalated questions from Foreclosure department, High Risk, legal and REO department that related to foreclosure issues.

• Provided leadership, coaching, development, training and mentoring.

• Lead team with the highest integrity and created an environment where they felt included, valued and energized.

• Worked closely with human resources for employee relations experiences.

• Knowledge and understanding of HR policies, practices, and procedures. Client Service Representative (Wholesale) 2005 – 2006

• Provided underwriting status for brokers and account executives

• Secured approval for pricing scenarios

• Knowledge of processing, closing and funding

• Transmitted approvals to brokers

• Interfaced with title companies for required information Credit Analyst (Retail) 2002– 2004

• Analyzed credit, verified bank statements and paystubs on borrower application.

• Ensured all team members had current, accurate information

• Conducted file audits

• Transmitted documentation to all affected parties

• Substituted for Setup Technician as required

Bachelor of Arts – Speech Communications 1999

Colorado State University and Metropolitan State College of Denver Underwriting training course-Aurora Loan Services 2006 Closing training course-Aurora Loan Services 2006

Leadership training course-Sprint Communications 2002 Six Sigma Training course 2019

Skills

Proficient in MSP, CMS, ICMP, Web Query, Real Quest, Tableau, JIRA, SQL, PMO, RCSA framework, AppOne, Confluence, TRIMS, Shared Risk Platform (SHRP), SharePoint, MS Word, Adobe, Advanced Microsoft Excel, PowerPoint, Outlook, Teams, Skype, OES, Fidelity, ResNet, Safeguard Cards, LPS, Mortgage Contract Services (MCS), Lending Space, Encompass and TMO

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