Quality Control Subject Matter

DANIEL F.

CUNNINGHAM SR.

** ****** ***. **********, ** 02895 954-***-**** ******.*.**********@*****.*** Over 30 years of residential and commercial underwriting and loan servicing, with extensive supervisory and credit risk subject matter expert experience. Participated in numerous forensic and rebuttal underwriting engagements with broad regulatory, legal compliance, strategic policy analysis, credit policy, loan and risk management. Proficient in multiple underwriting systems and Microsoft Office especially Excel. EXPERIENCE

MMC Group

Auditor for the FDIC as Receiver for Signature Bank NA. Conducted research for FDIC and The Newmark Group in preparation for sale of a $60 billion loan portfolio. Research included Title Policy reviews, insurance

& tax liability, NYC Code Violations and status of required repairs and renovations etc. The Stone Hill Group / Source-Point

Remote position reporting to Atlanta Ga. corporate office. Responsible for review and approval of Conventional Conforming and Non-Conforming loan applications from clients including banks and credit unions. Responsible for meeting AUS Standards and requirements utilizing LP/DU and private U/W systems. OPUS Cmc / Wipro

Remote U/W for Chicago based Due Diligence and Legal compliance underwriting. Performed complete Litigation research with responsibilities for compliance to conforming and proprietary U/W requirements in preparation for legal action by various clients.

Mortgage Subject Matter Expert – Witness Litigation Advisor (on-call) Met with Bank Litigation Counsel, Litigation Expert Witness, and Senior loan Review Officers of National Advisory Service firm, to interpret Final Quality Control Review narrative & results on Rebuttal responses, to perfect presentation. Interpret findings to be used by expert witness, in major national lender representation defense action. Loan files were extensively rebutted/re-underwritten with a large team of staff Underwriters, Quality Control Managers and Senior Compliance Reviewers. FDIC Puerto Rico

Contractor for FDIC as Receiver for Doral Bank. Responsible for asset evaluation, loan modification and foreclosure activity to protect and preserve the assets of the largest bank on the Island of Puerto Rico for resolution, transfer to acquiring institution or liquidation by FDIC. Responsible for research of personnel files held in secured facility for breach of contract, violations of security agreements and or Anti-Money Laundering Laws

R.R.M.S – RPI, NY

Performed research for several federal lawsuits involving mortgage malfeasance and non-compliance with FNMA/ FHLMC guidelines. Re-underwrote, performed quality control of staff research regarding mortgage loan files in preparation for expert testimony- rebuttals in active lawsuits. Solomon Edwards Group, LLC

Senior File Analyst- supervising a staff of 10 forensic accounting/mortgage underwriters. Responsibilities included file review of loans included in OCC Consent Order regarding improper foreclosure actions by B of A with special emphasis on loan modification compliance and fees. Performed final reviews of Junior and Senior Underwriters case studies for materiality and trend analysis. Reviewed banks original source documentation for compliance with GSE and Non-GSE Standards. Responsible for state-by-state evaluation and interpretation of the bank’s foreclosure procedures. RSM McGladrey Inc.

Asset Manager; Senior Asset Servicing Professional. Contractor for FDIC as Receiver for First Heritage Bank NA, Newport Beach California; First National Bank of Nevada; Riverside Bank of the Gulf Coast, Cape Coral, Florida; First Bank of Jacksonville, Florida. Successfully transferred major loan portfolio to acquiring bank via case preparation and presentation to Mutual of Omaha Executive Loan Committee. Assigned full responsibility as Asset Manager for $50 million dollar construction project in Nevada. Coordinated all FDIC and outside legal counsel activities resulting in several completed multimillion dollar foreclosures. Prepared, executed, and enforced successful Assignment of Rents (AOR) strategy resulting in protection and preservation of non-performing assets. Prepared and presented cases to CRC1 authorizing foreclosure or acceptance of Deeds in Lieu. Negotiated a compromise early payoff of commercial loan yielding $1,275M to the Receivership or 133% of current appraised value. Wells Fargo NA – R.R.M.S - RPI

6 years of Level IV Underwriting experience located on-site in Minneapolis, MN, Denver, CO and Des Moines, IA. Team lead of twenty-five underwriters, closers and processors with final signing authority of one million dollars.

SI Bank & Trust

4 years residential underwriting utilizing DU\ LP for conformance to FNMA and FHLMC portfolio standards. GMAC – ASG, LLC

Responsibilities included work on “Trigger Project” analyzing multiple commercial loan portfolios for performance, legal implications, asset valuation and resale in the secondary market. WMC Mortgage Corporation

Regional Underwriting Manager for Woodland Hills, California based sub-prime mortgage lender. Responsible for recruiting staff to plan, direct and control underwriting and auditing for loans closed throughout the Southeastern United States.

Ocwen Financial Services Corporation

Vice President Eastern Regional Operations - Significantly improved closed loan volume for the Eastern Region located in West Palm Beach, Florida while consolidating the West Coast Regional Operations Center

(Headquartered in Los Angeles with Satellite offices in Seattle Washington and Walnut Creek, California) and the Central Regional Operations Center (Headquartered in Chicago, Illinois). Managed a staff of 30 professionals generating closed loan volume in excess of $45M per month. Aames Capital Corporation

East Coast Credit Manager in charge of Operations Center for Los Angeles based sub-prime lender. Major accomplishments include a four-fold increase in closed loan volume in less than eighteen months. EDUCATION

Master of Business Administration Pace University New York, New York

• President of the Graduate Students Association

• Appointed by the Dean to the Tripartite Committee of Faculty, Students and Administration

• Honors Thesis

Bachelor of Science Business Administration Boston College Chestnut Hill, Massachusetts SKILLS

• Microsoft Office & Excel

• LP/DU

• State & federal tax codes

• Multinational financial consolidation

• Corporate Accounting

• FDIC, SEC, FTC Compliance

• Foreign currency transactions & reporting

• AML / BSA

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