April R. Wilson-Brown, PMP

Mortgage Operations, Technology and Governance Professional

410-***-**** ● 4102 Brookside Oaks Rd. Owings Mills, MD 21117 ● adrob7@r.postjobfree.com

Executive Summary

I am searching for an upper management role with a company that aligns a great culture to business strategy. A great company that appreciates process documentation and mitigating risk with process controls according to governing guidelines.

I am a mortgage professional with 25 years of experience with leaders in the industry. I am skilled in the areas of mortgage policy, managing operational effectiveness, and fostering safety and soundness by mitigating risk with effective controls. I am experienced with managing large teams up to 50 employees.

I am skilled in mortgage policy including Fannie, Freddie Mac, and Federal Home Loan Bank. Additionally, I am a mortgage servicing, mortgaged backed securities and credit risk transfer expert. My Project Management Professional Certification (PMP) adds to my list of credentials which allows me to think and organize my strategies with an effective approach.

I believe in flexible leadership, a positive way in which to help change attitudes or behaviors of others. Flexible leadership is not something you do to people, but something you do with people.

I pride myself on the ability to clean-up and improve the effectiveness of mortgage operations including the following:

Complete Process Documentation

Identification of Risk and Controls

Streamlining Processes

Technological Enhancement

Throughout my career I have been successful in corporate savings over $500K due to reducing fines and compensatory fees, and creating a savings due to process improvements, and operational restructure.

Education

University of Maryland College Park, MD

Master of Management Science, Financial Management December 2006

University of Maryland College Park, MD

Bachelor of Science, Business Management May 1994

Project Management Professional (PMP)

Project Management Institute June 2014

MERS Officer Certification February 2021

Experience

Shared Services Solutions Linthicum, Maryland

Director, Real Estate Servicing July 2021 – Present

Responsible for managing mortgage servicing including Customer Service, Records Management, Escrow Management, Cash Management Investor Reporting for Fannie Mae, Freddie Mac, and Federal Home Loan Bank according to MERS, NCUA, Regulation Z, CFPB, and GSE guidelines. Additionally, responsible for ensuring the mitigation of risk with proper controls. Primary point of contact for Fannie Mae STAR Audits.

•Manage departmental processes as it relates to the onboarding, escrow management, investor reporting, cash management, and records management

•Internal Audit Point of Contact - ensure compliance with federal, state, and internal policies and procedures.

Andrews Federal Credit Union Suitland, Maryland

Director, Mortgage Servicing October 2020 – July 2021

Responsible for managing mortgage servicing. Includes leading and motivating the department in achieving timely quality metrics, operational production, coaching and development to achieve or exceed corporate objectives by providing clear direction and fostering teamwork. Andrews Federal Credit Union decided to sub-service out their mortgage operations team due to lack to technological efficiencies.

•Manage departmental processes as it relates to the onboarding, escrow management, investor reporting, cash management, and records management

•Internal Audit Point of Contact - ensure compliance with federal, state, and internal policies and procedures.

•Collaborated with and conducted research with the CEO and COO to decision the sub-servicer for hire

Fannie Mae Washington, DC

14 Years Career Total

Operations Manager, Credit Enhancement Management October 2014 – July 2020

Ensured the safety and soundness of Single-Family Mortgage Operations while executing Fannie Mae contractual

Servicer obligations for Credit Risk Transfer Transactions. As a result of the 2008 mortgage crisis, the current regulator Federal Housing Finance Agency (FHFA) issued regulation to ensure liquidity and stability that caused Fannie Mae to share risk with other finance partners such and re-insurers and other investors, thus the emergence of CRT transactions.

•Managed the Credit Enhancement transaction deal set-up, process development and execution

•Ensured all monthly production and reporting obligations are complete and accurate

•Served as key stakeholder for the creation of requirements and business process development and UAT testing for the Credit Enhancement Transaction System (CETS) application by use of Agile methodology

•Served as Risk as POC for 1st line risk and controls and internal/external audit teams to implement new governance structure, provide feedback for Risk Works modules, create/revised process controls and participate in audit examinations

•Created/Reviewed implementations plans, procedures, job aids and provide new functionality training to operations, business partners and risk and controls teams

Technical Project Manager III, Underwriting, Servicing and Pricing April 2013 – October 2014

Provided project planning, quality and management for the Trusted Appraisal and Underwriting (TAU) and Collateral Underwriting (CU) initiatives. Ensured that projects are completed to specification, within an established time frame and budget.

•Coordinated efforts between operations and technology teams to deliver messaging requirements and solutions effectively and efficiently for significant and non-significant loan defects according to Fannie Mae’s eligibility standards

•Managed relationships and deliverables for regulation and compliance including Modeling Risk Management (MRM) and Enterprise Risk Management (ERM) teams

•Served as POC for the creation of and managing policy/procedures risk and controls and training of new functionality for the National Underwriting teams

•Implemented Enterprise Program Management Office (EPMO) governance standards across teams

Product Development Manager, Making Home Affordable Program (MHA) May 2009 – April 2013 Provided the coordination of all stages of MHA 1st Lien Modification and Home Affordable Foreclosure Alternative (HAFA) programs for servicers. Partnered with the Department of Treasury, FHFA and Fannie Mae governance teams to ensure compliance with new regulation. Due to the 2008 financial crisis the sector experienced an increase in strict regulation nationwide as regulators worked to restore trust and to help homeowners remain in their homes.

•Participated in the Creation of Supplemental Directives, Policies and Training for Making Home Affordable Modification and HAFA Programs for servicers

•Suggested system enhancement for servicer system applications and business structure to support MHA new policy

•Partnered with the Department of Treasury to create and implement new governance structure and exceptions and waivers policy and program for servicers

Manager, Multi-Family Operations February 2007 – May 2009 Ensure the safety and soundness of Multi-Family Mortgage Operations while executing Fannie Mae contractual obligations.

•Managed the Multi-Family/Commercial Bond Credit Enhancement division transaction management, process development and executions, infrastructure management, risk management, and customer support for Housing and Community Development (HCD) business

•Ensured that all monthly production, servicing obligations and reporting were complete and accurate

•Served as subject matter expert and key stakeholder for the development of the CESIR application

•Created system requirements, participated in UAT, management the system implementation process including updating risk and controls, policies/procedures, and training material

•Served as the POC for the 1st. line Risk. Controls and other governance teams

Compliance Consultant, Single Family Regulatory and Compliance April 2006 – April 2007 During the midst of Fannie Mae’s re-statement period, the regulator, Office of Housing Enterprise Oversight (OFEO) mandated the creation of the Policy and Procedure Framework. The Compliance and Ethics team partners with POCs to create the framework and implement the new framework enterprise-wide.

•Partnered with Compliance and Ethics team to create the 1st Fannie Mae Policy and Procedure Framework and implemented this new framework across single family operations

•Constructed and revised policies, procedures and system requirement documents for various business units including process maps, implementation, and evaluation plans

•Worked with a team to provide requirements and feedback for governance repository, CoPPer.

•Partnered with the Division Risk Office (DRO) to complete process maps and identified hand-offs and associated policies and controls to establish an end-to-end governance framework

Wells Fargo Securities Administration Columbia, MD

8 Years Career Total

Specialized Loss Mitigation Manager May 2003 – April 2006 Managed a team and responsible for taking proactive steps to mitigate potential losses for a portfolio of Watchlist loans.

•Created and reviewed area operational procedures, providing recommendations to improve processes, productivity, and results

•Managed various delinquency resolution strategies including plan-to-modification, short-sales, deed-in-lieu, and foreclosure / REO initiatives. Provided strategies for 30, 60 and 90+ day delinquency in addition to early warning detection

Sr. Financial Analyst May 2001 – April 2003

Assisted with the development of and implemented financial models, strategic planning, variance analysis, pricing reviews, and facilitated presentations to senior leadership.

•Reviewed and validated existing regulatory capital calculation models, risk measurement models, and compliance/management processes to help identify, and more effectively measure & manage enterprise-wide risk

•Provided feedback to enhance corporate governance tools and repositories

•Tracked and project investment revenue interest income and expenses for the total mortgage market group

•Collaborated with senior management with projects such as quarterly forecasting and annual budgeting

Senior Securities Analyst- Loan Acquisitions and Master Servicing May 1998 – April 2001

Completed monthly production activities as assigned and served a lead for production operations teams.

Served as key team member in corresponding monitoring Lehman Brothers, LSBO and Bear Stearns portfolios

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