JOANNE MORGAN

Lebanon, TN ***** 615-***-**** adx63g@r.postjobfree.com

Financial Operations Manager

Motivated, results-oriented, and dynamic professional with more than 15 years of comprehensive

experience leading financial planning and operations in fast-paced banking environments. Analytical and

organized with hands-on style of leadership lending to motivated, capable teams of finance professionals

devoted to providing optimized service and support. Exceptional communicator able to establish

productive, collaborative relationships with clients and investors, peers, teams, and stakeholders.

Core Competencies

Financial Management • Financial Operations • Strategic Planning & Analysis • Investor Relations

Relationship Development • Stakeholder Engagement • Investigations & Problem Solving • Regulatory Compliance Business Development • Communication • Customer Service • Trading & Investment

Activities

Professional Experience

Equity Prime Mortgage LLC 05/2021-06/2022

VP of Wholesale Production

Oversee all wholesale operations from loan set-up to funding daily, ensuring timely approval, and closing of loans. Lead set-up, customer service, and disclosure teams each day to support sales team. Other duties as follows:

·Built wholesale production team in less than 6 months to support production from 100 units to 600+ units

·Managed efficient process flow to optimize cycle time from 70+ days to less than 40 consistently prior to departure.

·Built out account manager team from 8 to 30 team members trained to clear conditions and manage pipelines of 50+ units touching files every 3-5 days to maintain optimal service level agreements for clients in less than 6 months.

·Work with business partners and sales teams to complete bi-weekly sales calls for larger clients on a monthly/quarterly basis.

·Work with IT team to ensure customer experience is as efficient and user friendly as possible within current system constraints (Encompass).

·Manage compliance of wholesale operations in alignment with state and federal guidelines.

Magnolia Bank 09/2019– May 2021

Wholesale Operations Manager

Oversee all wholesale operations from loan set-up to funding daily, ensuring timely approval, and closing of loans. Lead set-up, customer service, and underwriting teams each day to support sales team. Other duties as follows:

·Direct Business Partner Approval Process for new clients and recertification of existing relationships within all business channels.

·Work with business partners and sales teams to complete on-site sales calls for larger clients on a monthly/quarterly basis.

·Supervise build out of Wholesale Channel into Encompass LOS platform utilizing TPO connect integration for clients.

·Manage rollout of new LOS integration (Encompass) with training of clients, sales, and staff, currently in process as of January 2021.

·Manage compliance of wholesale operations in alignment with state and federal guidelines.

Certified Residential Appraisal Trainee 06/2018-09/2019 Freelance

Completed all educational requirements to receive State of Tennessee Certified Residential Appraisal Trainee license 06/2018, then immediately started working with supervisory appraiser(s) to complete all experience hours required for licensing. Completed all 175 hours of required education to complete the TN residential certification licensing requirements and 1500 experience hours required to apply for final certification. Upon completion, new mortgage job started, and never pursued appraisal full time.

Acopia Capital Group, Goodlettsville, TN 10/2016 – 6/2018

VP of Operations

Oversee all wholesale operations ensuring timely approval and closing of loans. Lead set-up, customer service, and underwriting teams each day to support sales team of 6-8 Account Executives on 3 time zones. Participate in secondary trading activities when support is needed to close trades successfully and mitigate any investor suspense/buyback. Other duties as follows:

·Direct Business Partner Approval Process for new clients and recertification of existing relationships within all business channels.

·Work with business partners and sales teams to complete on-site sales calls for larger clients on a monthly/quarterly basis.

·Work with IT team to ensure customer experience is as efficient and user friendly as possible within current system constraints (Encompass).

·Manage compliance of wholesale operations in alignment with state and federal guidelines.

·Concurrently serve as Direct Endorsement Underwriter.

FIRST COMMUNITY MORTGAGE, INC., Murfreesboro, TN 2008 – 2016

VP of Operations

Oversee all post-closing and shipping areas, ensuring timely shipment and purchasing. Facilitate accurate completion of pertinent agency approvals including recertification and daily reporting. Participate in secondary trading activities when support is needed. Ensure compliance with state requirements in regarding to overall company licensing. Lead overall warehouse relationships, maintaining intact agreements and productivity. Supported processing staff in resolutions of any daily compliance issues or concerns.

·Play integral role as primary POC of all investor relations, involving portfolio of 10-15 investors, including resolution of any repurchasing, loss mitigation, or servicing issues requiring investor attention.

·Direct Business Partner Approval Process for new clients and recertification of existing relationships within all business channels.

·Manage compliance of company-wide operations in alignment with state and federal guidelines.

·Successfully established Secondary Mandatory Trade Platform with external hedge fund, served as primary manager for 3 years, and transitions platform to new manager.

·Concurrently serve as Direct Endorsement Underwriter.

Education

Bachelor of Arts, Business Administration (Human Resources), Middle Tennessee State University, 2001

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