Rommel De Gorostiza

***** ********** **., ***** *******, CA 91351 Tel 626-***-****

Over 20 years of mortgage lending experience overseeing consumer mortgage loan processing, underwriting, quality control, funding in retail and wholesale environments. Install and implement a new mortgage lending platform for community banks. Oversee internal and external audits. Maintain to safeguard CFPB regulatory compliance under FDIC and OCC.

Work Experience:

EverTrust Bank www.evertrustbank.com

Mortgage Operations Manager From Nov 2016 - June 2023 Oversee loan origination and operations, quality control and regulatory compliance under FDIC including loan acquisitions, MERS corporate requirements, ULI, Fannie/Freddie TPO accounts, NMLS maintenance, general ledger account, and mortgage servicing portfolio.

New Omni Bank, N.A. www.newomnibank.com

Mortgage Operations Manager/ From July 2013- Nov 2016 Credit Administration Officer

Maintain bank’s mortgage banking policies and procedures in adherence to CFPB regulatory requirements. Oversee loan originations, submissions, underwriting, quality control, and funding. Implement a consumer loan portfolio program in partnership with BSA/Compliance. Zero delinquency in loan servicing portfolio. Conduct regulatory and marketing training of mortgage loan originators and operations staff. PHH Home Loans LLC dba First Capital

Funding Manager From Dec 2010- July 2013

Oversee mortgage funding with production history on an average quarterly of 453 units, $203.7MM (in 2012) Yale Street Mortgage (formerly affiliated with Calcap Financial) Operations Manager From Sept 2009- Dec 2010

Initiate and build a mortgage loan retail origination platform for a private company. Install and implement origination policies and procedures, procure a loan origination system. Manage office logistics and facilities. Procurement of new investor correspondent relationships and approvals. Oversee loan origination and funding. Arbotco Financial Corporation

Corporate Administration, Planning, and Financial Audit Officer From Apr 2008- Sept 2009 Operations & Business Development Officer From Sept 2007- Apr 2008 Build a business model to create a private investor mortgage wholesale banking company. Procure correspondent investor relationships. Procure loan origination system and implementation. Oversee corporate licensing, purchasing/facility administration, and assisted human resource administration. Merrill Lynch/First Franklin Corporation

Operations Production Supervisor From Feb 2007- May 2007 Whole loan accounts management and pipeline analysis; ad-hoc reporting with an average-yield production history of +/- $150MM per month.

Rommel De Gorostiza – Resume Page 1

IndyMac Bank

Customer Account Manager From Apr 2003- Apr 2006

Regional Operations - Homebuilder Division

Oversee western regional mortgage operations group with average staffing of 30-40 employees. Previous production history average of +/- $120MM/month.

Aames Capital Corporation From Nov 1995- Sept 2002 Secondary Marketing Transaction Manager

Oversee investor due diligence and warehouse transaction settlements. Procurement, review and approval of investor purchase and servicing agreements. Prepared loan pool settlement analysis for corporate treasury/finance and assisted with cash flow projections and warehouse credit line maintenance. Oversee service release transfers. Oversee collateral custodial delivery and maintenance. Production history: +/- $450-650MM per quarter in whole loan trades.

Education:

De La Salle University 1981 – 1985

Manila, Philippines

Pre-Medicine studies, major Biology

University of the Philippines 1985 – 1989

Quezon City, Philippines

Creative Performing Arts, major Piano

Technics Music Academy 1989 and 1990

Matsushita Electric Industrial, Ltd.

Osaka, Japan

Licenses:

NMLS #1402701, EverTrust Bank Previous

Notary Public Inactive

Member:

Compliance Committee, EverTrust Bank Previous

Directors Loan Committee (DLC), New Omni Bank Previous Compliance Committee, New Omni Bank Previous

California Association of Mortgage Professionals Inactive System Applications:

Encompass, Finastra Mortgagebot LOS/POS, LaserPro, Calyx Point FIS/Horizon, Fiserve

NMLS Federal

Fnma DO/DU

Fhlmc LP

Microsoft Office

Rommel De Gorostiza – Resume Page 2

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