Experienced Financial And Control Manager

Christina Emory

Saint Louis, Missouri ***** 314-***-**** *****.*****@*******.***

www.linkedin.com/in/christinaemory

EXPERIENCED FINANCIAL AND CONTROL MANAGER

Driving Results with Experience, Knowledge, Insight, and Strong Analytical Skills Highly motivated, results-driven professional with experience in Business Operations, Financial Services and Mortgage Banking resulting in a progression of responsibilities and accomplishments. Adept at utilizing strong interpersonal skills, knowledge, and experience to meet business goals with a passion for the company and its products. Regarded as a self-starter and quick learner, who specializes in conducting deep-dives to uncover root-cause issues and opportunities. Excels at fostering productive relationships, and managing high-priority initiatives with the personal drive, focus, and enthusiasm to add value and contribute to the overall success of the organization.

AREAS OF EXPERTISE

Risk Management ● Loss Mitigation Financial Analysis ● Fraud DetecƟon Compliance Business Controls

Quality Control Budgeting Project Management Process Re-engineering

●Problem ResoluƟon and NegoƟaƟon ● Human Resources ● Team Leadership People Management PROFESSIONAL EXPERIENCE

No Leash Needed – St. Louis, MO

Senior General Manager (April 2017 – Present)

Responsible for management of the daily operations and staff performance in order to achieve business goals and objectives.

Drive revenue and manage facility and administrative costs to meet and/or exceed financial targets.

Establish goals for the resort and staff by proactively planning business strategy.

Participate in ongoing planning and budget maintenance process.

Identify and implement process efficiencies to improve overall performance and profitability.

Develop and implement resort policies and procedures to ensure consistency across locations.

Oversee and execute human resources across locations including employee relations, payroll, employee benefits and employee incentives.

Build and maintain successful teams through thoughtful hiring, successful onboarding, training, coaching and performance management.

Actively coach, correct, mentor, motivate and develop managers and team members to ensure optimal performance. Citigroup – O’Fallon, MO 1985 – 2016

Group Manager, Senior Vice President

Mortgage Insurance Resolution (2009-2016)

Lead all aspects of the Mortgage Insurance Resolution processes for the first mortgage and home equity portfolios, including Mortgage Insurance Rescission, Claim Filing and Remedy Claim Submission for contractual breaches, misrepresentation and guideline violations.

Ensure compliance with all contractual requirements, consistently exceeding targeted business goals.

Mitigate risk and maximize credit loss saves and recoveries through successful negotiation and resolution of rescinded, cancelled and denied mortgage insurance coverage/claims.

Built infrastructure, created policies and procedures, process flows, developed audit criteria, controls and MIS.

Responsible for hiring, training, coaching and development of staff.

Perform mid-year, annual, peer, and system entitlement reviews. Citigroup – O’Fallon, MO

Director, Repurchase Operations (1998-2009)

Invaluable team member in the inception and development of the Repurchase Department for first mortgage loans and home equity products.

Responsible for inbound repurchase and indemnification requests from agencies and investors including Fannie Mae, Freddie Mac, HUD and private investors as a result of contractual breaches, misrepresentation and guideline violations.

Minimize losses through successful appeal and negotiation of repurchase issues.

Responsible for outbound repurchase demands to third party originators, including brokers and correspondent lenders, to ensure repurchase or loss reimbursement for loan originations containing misrepresentation, guideline violations or contractual violations.

Developed policies and procedures, process flows, notification templates and department forms.

Responsible for hiring, training and development of staff.

Defined reporting needs necessary to manage day-to-day business, reporting of risk issues and repurchase trends.

Successfully integrated the repurchase and mortgage insurance operations as the result of multiple acquisitions, which were instrumental to the company's growth and success.

Active member of Citi's Risk Committee and Third Party Origination (TPO) Committee, representing Repurchase Operations.

Worked directly with internal departments including Fraud Prevention, Legal, Quality Control, Intermediary Management and Default Operations.

Citigroup – O’Fallon, MO

Quality Control and Fair Lending Analyst (1996 – 1998)

Responsible for Quality Control Underwriting and Fair Lending Analysis, including pre-funding and post-close underwriting, to determine loan quality and salability.

Responsible for fair lending reviews, including matched pair analysis.

Developed and prepared reports identifying fair lending and early payment default results and trends.

Active member of Citi’s Second Level Review Committee for CRA production and CMI's low to moderate loan programs.

Experienced in fraud detection, with a demonstrated ability to identify red flags and misrepresentation to mitigate loss to the business.

Citigroup – O’Fallon, MO

Senior Underwriter (1985 – 1996)

Eleven years of first mortgage underwriting experience including Retail, Correspondent and Broker originations.

Responsible for rendering first mortgage credit decisions in accordance with investor guidelines and corporate credit policy.

Sound working knowledge of Fannie Mae, Freddie Mac and HUD guidelines, as well as corporate credit policy.

Developed strong working relationships with internal and external clients, including brokers, correspondent lenders, and sales partners.

Served as an underwriting resource for both internal and external clients.

Maintained loan quality and underwriting turn times as directed by management. EDUCATION, AWARDS AND VOLUNTEER WORK

Maplewood Richmond Heights High School – Maplewood, MO CitiMortgage President’s Club

YWCA Leaders in the Workplace Award

Susan G. Komen Race for the Cure

Rebuilding Together

Food Outreach

Family Giving

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