QUALIFICATIONS

Expert banking and mortgage professional with over thirty-five years experience in senior management positions in the consumer loan and mortgage loan fields, as well as thorough understanding of auto broker business. Expert witness testimony.

AREAS OF EXPERTISE

Establishment of Loss Mitigation programs for bank Asset Recovery departments
Loan portfolio evaluation and servicing, including due diligence and portfolio servicing decisions and claims
Management of loan approval process from point of origination to point of completion
Counseling pre-foreclosure customers in order to stop the foreclosure process
Negotiation and approval of forbearance agreements, modification agreements, short sales and settlements
Negotiation and approval of partial forgiveness of debt and restructuring of mortgage loans for payment affordability

EXPERIENCE

SUREFAST MORTGAGE 2004 - Present
Phoenix, AZ
Senior Loan Officer

Responsible for residential and commercial loan procurement. Analyze and verify application information to determine client's credit worthiness. Advise and make recommendations to clients to obtain the most desirable loan based on full understanding of client's budget, credit report and individual needs. Full knowledge of documentation requirements for satisfactory file submission to avoid costly delays in loan processing. Relationship development with real state agents, referral sources, and title companies.

WELLS FARGO FINANCIAL ACCEPTANCE 1998 to 2004
Phoenix, AZ
Branch Manager

Responsible for loan production and loan growth, servicing and collection of loan receivables. Responsible for hiring, training and development of all staff, developing vendor relationships, and meeting branch profit objectives.

FIRST FINANCIAL BANK 1989-1997
Stevens Point, WI
Sr. Vice President

Established Loss Mitigation program for Asset Recovery Department. Developed collection and servicing policies and procedures for retail loan products and credit card products. Created meaningful management reports that tracked results. Managed call center activities and established quality assurance and policies and procedures for job call selections and monitoring. Responsible for managing all collection activities and asset recovery functions. Accountability for directing the servicing of mortgage loans, mobile home loans, consumer loans, students loans, credit cards, home equity lines of credit, REO and repossession liquidation, and charge off placement to agencies with subsequent monitoring of agency effort and results. Key member of bank's due diligence team responsible for analyzing loan portfolios to determine profitability and potential losses. Senior member of Credit Review Department for all loan portfolios.

SAVINGS FINANCIAL CORPORATION 1983-1989
Hales Corner (Milwaukee), WI
President

Hired in 1983 as Sr. Vice President to start up company for parent corporation. Promoted in 1984 to President. Duties included creating a competent management team, establishing a credit processing department, underwriting department, contract discounting and auditing department, and collection department. Responsible for hiring and training all personnel. Developed credit guideline policies. Established relationships with 120 automobile dealerships, resulting in corporation becoming the largest independent auto finance company in Wisconsin

NORWEST BANK CORPORATION 1980-1983

Assistant Vice President

Hired to start up loss recovery unit which produced immediate and acceptable profits to the bank corporation. Promoted to Assistant Vice President and Manager of auto finance department in 1981. Responsible for managing credit processing department, contract and auditing department and corporate collection department. Responsible for Department's acquisition of consumer auto loans from area auto dealers.

EDUCATION
University of Wisconsin - Milwaukee
National Association of Collection Revenues
National Consumer Credit Council
FHA Mortgage Loan Certification
Arizona insurance license