Credit Risk Manager, Mortgage Underwriting Manager, Leadership

RandallS.Aiuppy

Pittsburgh,PA 240-***-**** ******@*****.*** https://www.linkedin.com/in/randall-aiuppy/ CreditRiskManagement MortgageUnderwriting OperationsManagement Experiencedfinancialservicesprofessionalwhomaximizesperformancesolutionsandorganizational effectivenesstoenhanceclientexperience,engagepartners,andcoachteams. CORESKILLS

RiskManagement CreditAnalysis OperationsManagement MortgageLending StrategicThinking RelationshipBuilding TeamOrganization SeniorLeadership EXPERIENCE

TheOakleafGroup,Bethesda,Maryland November2019-Present Apremierconsultingandadvisoryfirmforthemortgageandstructuredfinanceindustriesproviding comprehensivesolutionsacrossthemortgagelifecycle,specializinginregulatorycompliance,financialmodeling, dataanalytics,andlitigationsupport.

MortgageSpecialist(Project-Based),August2024–Present

Contractedtoexecuteonvariousprojectsincludingduediligencetriggerreviewsandforensic underwritingaspartoflitigationsupport.

Director,MortgageServices,April2021–August2024

Managedandledpracticeteamsofbetween15-75seasonedmortgageindustryprofessionalsto completevariousprojectsincludingforensicunderwritingandduediligencetriggerreviews.

Successfullymanaged10+largemulti-million-dollarprojects,achievinghighestqualityandprofitmargins rangingfrom30-40%.

CollaboratedwithTalentAcquisitiontolocateandinterviewtopcandidatestofillpositionsrequiredto standupprojects.

ProvideddirectsupporttoExpertWitnessinRMBSlitigationcasesenablingfavorableclientoutcomes.

Collaboratedwithotherpracticesonnewbusinessdevelopmenttotalingmorethan$12millioninnew businessacross3projects,servingasmortgageunderwritingandoperationssubjectmatterexpert.

Engagedinannualstrategicplanningwithexecutivemanagement,providingoperationalinsight.

Collaboratedwithexecutivemanagementtodetermineprojectpricingandassistedinbudgetforecasting. DueDiligenceUnderwritingManager,November2019–April2021

ImprovedandmaintainedOakleaf’sproprietaryre-underwritingmanagementsystemandprocesses, increasingefficiencyby22%.

Builtmoduleforcomplexself-employedincomecalculationtoproduceaccuratecalculationworksheetto bedeliveredassupportingdocumentation

CultivatedastrongworkingrelationshipwithExpertWitnessaswellasexternalpartiesincludingTrust Administrator(s)andFreddieMac.

Successfullyoverhauledworkflowforrecurringmonthlyandquarterlytriggerreviewprocesstoreduce turntimesby40%furtherstrengtheningcounterpartyrelationshipswithFreddieMac,WilmingtonTrust, andmultipleprominentnationalservicers.

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ColoradoFederalSavingsBank,Pittsburgh,Pennsylvania June2014-April 2019

Afederallyinsuredfinancialinstitution,withacloseaffiliationwithProvidentFundingAssociates,LP,operatinga non-branchdirectbankingplatformwhichofferstraditionalconsumerbankingsavingsproductsandspecializing inuniquerealestatelendingsolutionstoavarietyofcommercialclients. SeniorVicePresident,ChiefCreditOfficer,June2014–April2019

Oversawcreditqualificationandportfoliomonitoringacrossalllendingsegmentsforloanportfolios exceeding$900million.

Wrotepolicy,procedures,andprogramguidelinestoensuresafetyandsoundness.

Interfaced/communicateddirectlywiththeprimaryregulatorasnecessaryonanongoingbasis.

Coordinatedthird-partyengagementsforportfoliostresstestingandindependentloanreviewaswellas legalreviewonanannualandongoingbasis.

Providedfinalreviewandsign-offonnewcreditsnotrequiringLoanandCreditCommitteeapproval.

OversawloanportfolioreportingtotheBoardofDirectorsandvariouscommittees.

Workeddirectlywithprimaryregulator,theOfficeoftheComptrolleroftheCurrency,duringexaminations atvaryingcycles

SuccessfullynavigatedConsentOrdertogrowthecommerciallendingportfolio. ProvidentFundingAssociates,LP,Pittsburgh,Pennsylvania November2004-June2014 Anationwide,non-bankmortgagelenderandservicerprovidingdecadesofgreatservice,expertiseand competitivelypricedmortgagestoitscustomers

CorrespondentLendingDepartmentManager,2011-2014

Oversawdepartment'soverallperformanceincludingfundingvolume,pipelineefficiency,employee productivity,andlendermanagement.

Managed$400millionmonthlypipeline.

Coordinatedandallocatedoperationalresourcesinordertomeetvaryingdemandsacrossallbranches nationwide.

Reviewedinternal,investor,andstateauditfindings,andmakingdeterminationsonpersonneltraining needs,mitigationoffinancialloss,andcounselingofoperationsteambaseduponthesefindings.

Held/maintainedrequirednational&stateNMLSlicensingforPittsburgh,PAregionalofficesince2008. SpecialProjects,2010-2011

WorkedcloselywithCEOandCOOonimplementationandexecutionofprojectswhichhelpedtoimprove overallcompanyperformanceandefficiencyinthefundingofa$3billionyearlypipeline. BrokerDirectDepartmentManager,2008-2010

Managedperformanceofthedepartmentincludingfundingvolume,pipelineefficiency,employee productivity,andbrokermanagement.

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Accomplisheddepartmentalgoalsbycoordinatingandallocatingoperationsresourcestomeetvarying demandsacrossallbranches,counselbranchleadsinpersonneldevelopmentincludingrecruiting,hiring, terminations,andperformanceevaluations,whileidentifyingandpromotingqualifiedpersonnel.

Managedandoversawfundingof$12.1billionintotalvolume.

Reviewedinternal,investor,andstateauditfindingstodeterminefocusforongoingpersonneltraining, whilemitigatingfinanciallossfromloanrepurchasesbyrecoveringfundsfromresponsibleparties. BrokerDirectRegionalBranchLead,2007-2008

Managedfundingvolume,pipelineefficiency,employeeproductivity,andbrokermanagement,whilealso takingpartindailyoperations,includingbothunderwritingandfunding.

Oversawpersonneldevelopmentincludingrecruiting,hiring,terminations,andperformanceevaluations. SeniorMortgageUnderwriter/Trainer,2006-2007

WholesaleDepartmentBranchLead,2005-2006

MortgageLoanUnderwriter,2004-2005

EDUCATION

B.S.,FinanceandInternationalBusiness,ThePennsylvaniaStateUniversity–UniversityPark,Pennsylvania

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