Mr. Aza Olival, MBA
Business, Risk and Data Analytics Mortgage Banking Professional Proud U.S. Army Vet
Email: email@example.com Phone: 619-***-**** Address: 360 S. Market St. #530 San Jose, CA 95113
An innovative, highly motivated mortgage services professional specializing in business and data analytics with a passion for success, team building, and forging long lasting customer and colleague relationships. A high caliber leader and a team player with a resourceful and results-oriented mind set, an eye for detail and self-improvement.
Structured Transactions - Business and Data Analytics – Reinsurance - Mortgage Operations - Risk Analytics - Project Mgmt. - Strong Quantitative Skills - Secondary Markets - Capital Markets – Compliance - Quality Control - Audit – Loss Mitigation - Business Transformation - Product/IT Development (UAT) - Default/Claim Settlements - Regulatory Reporting - Pricing and Risk Analytics – Product Integration - Credit Analytics - Excellent Communication Skills – Underwriting/Credit Policy - High Intellectual Curiosity
Consumer Lending Practice Business Analyst- Tavant Technologies, Santa Clara, CA 2018 - Present
Digital Mortgage Experience, Business & Risk Assessment Transformation and Web Services Integration Analytics
Mortgage Industry Standards Maintenance Organization (MISMO) integration specialist responsible for data mapping exercises for Ellie Mae (Encompass), Black Knight Financial (Empower), PennyMac, Flagstar Bank, Fairway Independent Mortgage Corp., Fannie Mae (DU and EC), Freddie Mac (LPA and LCA) and all Mortgage Insurance Organizations in accordance with the MISMO v3.4 integration migration supported by the Federal Housing Financial Agency. Certified MISMO Standards Professional (CMSP) designation in progress.
Liaison between business stakeholders and product development team for mortgage related integration partners and vendors assuring that project delivery targets are met with the needs of the mortgage companies work scope needs, budget and efficiency goals are achieved without disruption to business flow. To include Identifying and analyzing the risks associated with achieving the milestones for a project. All while developing risk mitigation strategies, implementing business requirements and deriving acceptance criteria for user stories.
Business transformation analyst and product support consultant for MGIC’s risk assessment transformation program in which key business transformation initiatives were implemented to include underwriting, document & data management, decision engine rules & risk modeling, business loan data vault storage and customer engagement.
Mortgage compliance documentation analyst partnering with Docutech to review and deliver electronic versions of all state and federal disclosure packages in accordance with federal and state mortgage lending laws and regulations. To include HMDA, TILA-RESPA, QM, HOEPA and servicing rules compliance documentation. Detailed mapping and data cleansing for accuracy and compliance.
Structured Transactions Analyst Data and Business Analytics- NationalMI, Emeryville, CA 2013 - 2018
Insurance Operations and Servicing: Fannie Mae Shared Risk Mortgage Portfolio Manager and Reinsurance Analyst
Individually managed / serviced a $5.5B Shared Risk Fannie Mae (Insurer) portfolio comprised of over 21,000 residential mortgage products. Responsible for reconciliations, government regulatory reporting requirements along with stress testing, risk modeling, reserving, aggregate loss / deductible calculations; all which required an extensive knowledge of the entire mortgage banking process to include origination, underwriting, servicing, default, bankruptcy, creditor’s rights in addition to secondary market insuring for securitization/capital market debt instruments such as bonds, risk transfer/shared risk pools and reinsurance (over $2.7M avg. annual revenue stream).
Worked closely with cross-functional teams to include Executive, Risk, Pricing, IT, Finance, Audit and Corporate Analytics. Processed all daily/ monthly servicing transactions related to portfolio management for reconciliation, billing, payments, loss mitigation activities, default reporting, claim settlements, repurchases, stress testing, performance modeling along with breach of contract recourse. In addition, conducted audit/re-underwrite of an annual quota (2%) of the total portfolio population (350 avg. per yr.).
Lastly, implemented efficient reporting process to reduce capital reserve requirement holdings over $6.75M from 2016-2018 all while conducting numerous ad-hoc projects requested regularly by executive committee and governing regulators.
Performed reinsurance project implementation and reinsurance analytics. Provided data sets and reporting packages of various corporate metrics by extracting / analyzing data from large databases in order to optimize high-level business decisions for our executive team. Simultaneously partnered with Finance & Risk Dept.(s) to onboard multiple new Quota Share Risk Transactions (QSRE Treaties), including analyzing risk share contracts, creating (and managing) reporting packages and processes to administer said reporting packages to the executive team, business partners (Aon Benfield), subscribing reinsurers and federal regulators (internal end to end subject matter expert).
Developed and managed the design and procedures of production, reconciliation, risk, capital reserve requirements and financial reporting packages for strategic partners to include Fannie Mae, Freddie Mac, Aon Benfield, JPMorgan Chase Co., Wells Fargo & Quicken Loans.
Partnered closely with Tavant Technologies (IT) project management team/web development team on requirements, staging, UAT, Dev. testing, bug fixes, prod testing and ultimately served as the end business owner for proprietary user interface system (AXIS). Which included structured transactions, reinsurance, servicing, claims, mortgage insurance loan activity reporting (MILAR) and private mortgage insurer eligibility requirements (PMIERs) which are required by regulators/governing bodies in order to calculate capital reserve requirements to assure financial strength and operational capacities of financial service institutions to include banks and insurance companies.
QC Repurchase Auditor Risk Analyst- Bank of America, San Francisco, CA 2011 - 2013 Workout Strategy Group: Countrywide Mortgage Impaired Legacy Asset Division
Performed comprehensive analysis to develop standards of legal negotiations for financial products for Countrywide Mortgages $2B (est.) impaired legacy asset portfolio while proffering advice and recommendations with in-house strategy group and outside legal counsel in preparation of litigation, mediation, and arbitration with vested insurance organizations, investors and governing bodies.
Conducted forensic investigations and detailed risk analysis to determine if policies had been violated or fraud had been discovered along with complete post close re-underwrite of a pool of over 88k mortgage loans earmarked for investigation during 2008 financial crisis.
Provided detailed analysis to determine compliance with agreed upon insurance policies, standards, claim settlement procedures and investor (GSE) servicing guidelines along with insurance company master policy violations.
Mortgage Loan Underwriter- MetLife Home Loans, San Francisco, CA 2009 - 2011
Senior Sales Account Executive- First National Bank of Arizona, San Diego, CA 2004 - 2009
Mortgage Loan Underwriter- GreenPoint Bank, San Diego, CA 2001 - 2004
EDUCATION AND DEVELOPMENT
Master’s Degree (MBA)- Golden Gate University
Bachelor of Science (BS) Business/Managerial Economics- University of Phoenix
Associate of Science (AS) Finance- Kansas State University
Non-Commissioned Officer (E-5)- United States Army
Risk Management Certificate- Kansas State University
Certified Residential Underwriter (CRU)- AMSMB
Certified Scrum Master (CSM)
Certified MISMO Standards Professional (CMSP) Program (In Progress)
“Be who you are and say what you feel, because those who mind don’t matter, and those who matter don’t mind.”
-Bernard M. Baruch
Strong Computer Skills, MS OFFICE-EXCEL/SQL/XML/JSON/JIRA & Other Web Services Certifications, References & Volunteer Experience Available on LinkedIn