SUMMARY OF EXPERTISE
Business professional with 30+ years’ management and hands on experience that includes SBA 7(a) Loan Compliance Review work, SBA 7(a) PARRiS Lender Analytical reviews (PAR), SBA 7(a) Full Reviews, Targeted Reviews, Forensic Loan reviews, and work in Mortgage Operations. Experience also includes FDIC Loss Share loan reviews on both commercial and residential loans, FDIC commercial loan due diligence review work, and Fannie Mae HAMP Servicer relationship consultant work.
PROFESSIONAL SUMMARY
Hilltop Advisors - McLean, VA
Managing Director – March 2018 – Present
- SBA Loan Compliance Reviews performed on annual or semi-annual basis for Banks, SBLC’s, and Credit Unions; Reviews performed similarly to how the SBA executes the Reviews
- SBA Lender Profile Assessment (LPA) and Datapack Training for Lenders
- Commercial Loan Reviews
Garcia & Ortiz - Consultant for the SBA/OCRM
Deputy Project Manager - January 2017 – March 2018
- 7(a) PARRiS Review work; Full Reviews, Targeted Reviews, and PARs
- Receiver-In-Charge (RIC) of the PTRs (Targeted Reviews)
- Writing and reviewing SBA Lender’s reports and reviewing SBA loans
Hilltop Advisors – McLean, VA
Senior Director – August 2015 – December 2016
- Review of Bank’s SBA 7(a) Lending Operations to detect potential risks; obtain evidence of the credit controls and other loans controls that are used to ensure loans are appropriate and meet Bank’s credit policy and do Bank’s SBA 7(a) loans conform to SBA SOP, review of SBA 7(a) loans
- Assisting Lenders in gathering documents for PARRiS review; answering PARRiS review questions
- Conducting SBA Portfolio Analysis of the Lender’s SBA 7(a) loans
- Training Lender’s employees on use and interpretation of the Lender Profile Assessment (LPA) and Data pack
- Worked with SBA Lender on Agreed Upon Procedures (AUP) project that includes SBA 7(a) Loan Review testing, evaluation of Lead Development, Interview Staff, evaluation of the effectiveness of the Credit Committee, and evaluate Policies and Procedures for origination, servicing, and liquidation/wrap up
- Rewrite and Update SBA Lender’s Credit Policy to include SBA SOP references
- Commercial Risk Rating loan review work for local Bank
- Mortgage Litigation project – forensic loan review of residential loan files; Compile findings on the review of residential defaulted mortgage loans as to if they complied with Policy and Guidelines
- Write engagement letters, final reports, and proposals
Garcia & Ortiz Consultant for the SBA
Team Lead – January 2015 – August 2015
- Responsible for helping with the design and implementation of process for PARRiS reviews
- Analytical review of SBA Lenders’ Lending Profile Assessment (LPA) and Data pack to detect potential risk to the SBA; research on risk metrics and evaluation of the Lender’s performance relative to the metrics defined by the SBA
- PARRiS Analytical Reviews of SBA 7(a) Lenders to assess their operations
- Contact all 7(a) Lenders to discuss PARRiS process; helped guide the Lenders on the use and interpretation of the Data pack and the Lender Profile Assessment (LPA)
- QC Financial Analysts’ PARRiS (PAR) Reports; train the Financial Analysts
Navigant Consulting
Managing Consultant May 2014- August 2014 and November 2014 - December 2014
- Site Lead at one of the country’s largest banks managing 20+ Analysts for a Policy and Procedure mapping project
- Reviewing Analyst’s work (QC); Oversite and approval of 20 Analyst’s billing and travel expenses
Grove Street Investment, LLC
Senior Consultant to the SBA – SBA 7(a) Project – August 2014 – October 2014
- Virtual review of SBA 7(a) Lenders based on established benchmarks developed by the SBA; analyzing and reporting on results, documenting results within PARRiS Analytical Reviews (PAR)
- Safety and soundness examination participation for SBA 7(a) Lender and commercial loan file review on-site at Lender; Targeted Review work
- Review of SBA commercial loan documents; interview on-site bank personnel
The Oakleaf Group
Forensic Loan Underwriter and QC – February 2014 – May 2014
- Review previously underwritten loan files to determine compliance with underwriting guidelines
- QC other reviewer’s work
Deva & Associates, P.C.
FDIC Loss-Share Loan Compliance Senior Consultant – June 2011 – May 2014
- Travel to the acquiring institution or loan servicer to participate in the Loss-Share compliance audit of Mortgage Servicer to policy, fieldwork focusing on loan samples of defaulted mortgages and detailed document review of all commercial loan documents
- Analytical review of complex agreements to verify compliance with policies and procedures and compliance with the Loss-Share agreement
Fannie Mae
Consultant, HAMP Loan Modification Servicer Integration Team Lead
December 2012 – April 2013
- Establishing and maintaining strong relationships with servicers to improve servicer operational performance and execution resulting in reduced credit losses on defaulted mortgages loans
The Business Bank - Vienna, VA
Commercial, Business, and Residential Lender – October 2009 – June 2011
- Overseeing the residential mortgage department of the bank; ensure loans are compliant with applicable laws; regulatory compliance from originations point of sale to post closing
- Credit Analysis of borrower for Commercial Loans, write up loans; present loans to loan committee; Write up of loan modifications and renewals
FDIC
Consultant, Receivership Assistance Contracts (RAC) & Loss-Share Loan Compliance
September 2008 – October 2010
- work for various companies on Bank Closings and Loss-Share
The Mortgage Vault - Gaithersburg, MD
President/Operations Manager – July 1997 – April 2008
- Credit Analysis of borrower and financial information; underwrite all mortgages loans
- Set up warehouse line of credit and managed the day to day process of the LOC
Congressional Funding - Rockville, MD
Manager/ Vice President – February 1987 – July 1997
- Oversee the processing department (10 people)
- Underwrite the loans with subprime loans as a specialty; knowledge of end investor’s guidelines
EDUCATION
UMass Dartmouth Bachelor’s Degree in Economics - Dartmouth, Massachusetts 1985