Mortgage Professional/ Manager

Lincoln J. Herzeca, Jr.

**** ******** ******

Coral Gables, Florida 33134

Residence/Fax: 305-***-****; Cell: 305-***-****

Email: ********@*******.***

Summary:

• Thorough knowledge of the commercial & residential mortgage & real estate industry. Major emphasis in the underwriting & audit function, heavily weighted toward appraisal review. Excellent communication skills, enhanced through college courses & post-grad M.B.A. courses & work history. Working knowledge of Spanish & French. Over 35 years’ industry experience.

Areas of Expertise:

• All phases of mortgage loan underwriting, inclusive of all commercial & residential property types. Strong communication skills, including developing concise asset summaries for FDIC.

• Demonstrated ability to handle extremely large volumes of work, by adequate prioritization & dedication to the job & the client’s needs.

• Due Diligence Loan Review; Performing & Non-Performing Asset Servicing Analysis.

• Recognized leader in the quality control function (references are available upon request).

• Highly knowledgeable in collateral valuations throughout all geographic areas of the US. (Developed as Chief Underwriter for the S.E. Division of the US for First Nationwide Savings; abilities have been honed since then over the last 25+ years.)

• Knowledgeable in Fraud Recognition, Assessment & Mitigation.

• Proven Team Leader: uses leadership skills & case coursework to develop strong working alliances with other team associates.

Education:

• University of Miami M.B.A. Executive Program. Coral Gables, Florida. 1980-1981.

• McGill University, Montreal, Canada. Entered 1967. Graduated 1972. B.A. Degree with major in Psychology.

• Williston Academy, Easthampton, Massachusetts, Entered 1962; Graduated: 1967.

Professional Experience:

Most Recent Employment:

• Consultant, working for various clients, including the following: Due diligence & asset analysis on commercial and residential loan portfolios & Task Orders, throughout the U.S. & a recent FDIC assignment in Puerto Rico; asset servicing analysis of performing & non-performing loans, including SBA 7A & CDC/504 loans; writing detailed asset analyses & summaries; pay history reviews; compliance and payment stream analyses for APR and Finance Charge under-disclosures. I am an FDIC-Approved Contractor with ID Badge. (From 1/31/09 to Present.)

• Commercial Loan U/W Supervisor @ Silver Hill Financial, A Full Doc Lending Subsidiary of Bayview Lending Group, Coral Gables, FL. I helped develop a mortgage fraud training course for all underwriters (to understand & recognize evidence of straw buyers; flipping; silent 2nds; documentation manipulation, et al.) (From 2/22/04 – 1/30/09: Reduction in Force: Silver Hill ceased direct & indirect lending operations).

Prior Work History Includes:

• Consultant for 27 U.S./Foreign Clients, specializing in due diligence underwriting for various residential (80%) & commercial assignments (20%) since 1989, including management of the quality control function. Full-time Sr. Underwriter at Wells Fargo, Miami Office from October, 2001 to December 2002. Employed on a 2 month SBA due diligence assignment; majority of loans reviewed had been originated under the CDC/504 program. Also provided “front-line” residential underwriting services to numerous clients during the same time period. Prior assignment durations were 1 week to approximately 6 months. (From 8/1989 – 11/2004. See list of due diligence clients & employers for entire list.)

• Commercial real estate brokerage asset management specialist. Managed on-site personnel & ultimately directly negotiated the sale of a 288 unit apartment complex in Jacksonville, Florida. (From 1987 – 1989)

• V.P., Loan Operations, International Savings; Miami, Florida (From 1986 – 1987)

• A.V.P. , Loan Operations, Lincoln Savings & Loan; Miami, Florida (From 1985 -1986)

• Operations’ Branch Manger for retail & wholesale division of Unified Mortgage Company, Cupertino, California. Set yup their Miami & Boca Raton offices from day 1 & managed a staff of 20. Initiated all U/W Q.C. procedures to comply with F.N.M.A. recertification requirements. (Included complete file review, including re-verifying employment, income, assets, mortgage/rent verifications & re-pulling credit(From 1983 – 1985)

• Chief Underwriter for S.E. division of 1st Nationwide Savings (F.K.A. Washington Savings of Miami Beach.) Fundings @ start were $3MM/month. Enabled division to realize monthly fundings of $25MM in 1 year. Reviewed all loans over $250,000 & all out of state submissions. (From 1981 – 1983)

• A.V.P./Loan Processing Center for Chase Federal Savings & Loan, managing a 20 person office. Provided the single most input in design & final configuration of a $1MM loan processing & tracking system. (From 1979 – 1981)

Over 35 years’ industry experience. Florida Real Estate Broker (25+ Years)

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