N a t h a n A. J u s t i c e
2204 W. 10th Street Cell: (214) 405-5274
Dallas, TX 75208 Email: nathan.justice@hush.com
Nat han A . Jus t i c e – P age 2
Director of Operations
 Recruiting
 Staffing
 Created pricing proposals for potential...
Nat han A . Jus t i c e – P age 3
Resolution Assistance/Asset Management/Investigations (FDIC)
 Managed the risk analysis...
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Nathan Justice Resume 01.01.2016

Published on: Mar 3, 2016

Transcripts - Nathan Justice Resume 01.01.2016

  • 1. N a t h a n A. J u s t i c e 2204 W. 10th Street Cell: (214) 405-5274 Dallas, TX 75208 Email: nathan.justice@hush.com Summary of Experience Over twenty years’ experience as a mortgage and finance professional. Extensive experience in project and team management, quality control, audit, due diligence review, loss mitigation, fraud review, forensic review, risk management, anti-money laundering (AML) and compliance review. Comprehensive knowledge of agency guidelines and state/federal regulatory requirements. Excellent communication and training skills. Areas of Expertise  Operations Management  Project/Process Management  Change Management  Full-cycle Recruiting/Talent Acquisition  Organizational Development  Communication/Employee Relations  Compliance and Regulatory Examinations  Team Leadership  Analytical & Critical Thinker  Due Diligence Audit Management  Mortgage Audit Process Improvements  Complex Reporting & Documentation  Research, Investigation & Resolution  Customer Service & Client Relationships Professional Experience Senior Banking Consultant, 1992 – 2015 OpExNow, Dallas, TX 04/2015 to Present Treliant Risk Advisers, Washington, DC (2014 – 2015) Situs, Atlanta, GA (2014) Cognitive Options Group, Denver, CO (2009 – 2014) NewOak Advisors, New York, NY (2012 – 2013) Solomon Edwards Group, Charlotte, NC (2011 – 2012) TCBA, Washington, DC (2009, 2011) MMC, Dallas, TX, (2010 – 2011) RSM McGladrey, New York, NY (2009 – 2010) ASG Mortgage Services, Inc, New York, New York (2008 – 2009) AgriLand Farm Credit, Tyler, TX (2008 – 2009) OPUS Capital Markets, Chicago, IL (2007 – 2008) Edison Mortgage Decisioning Solutions (2006-2008) The Bohan Group, Irvine, CA (2005 – 2008) National Mortgage Specialists (2004 – 2007) Loan Consultants/LC Mortgage, Los Angeles, CA (2001 – 2004) Various Mortgage Brokerage Firms (1992 – 2001) DUTIES PERFORMED: Senior Process Manager  Development of turn-key Quality Control Framework for Servicing Portfolio o Performing compliance testing o Non-Performing compliance testing  Reviewed policy to verify compliance with state and federal regulation o Comparison of individual business unit’s policy and procedures and documented all inconsistencies o Developed report and made recommendations on how to proceed with policy and procedure integration Subject Matter Expert o CFPB Exam Guidance (TRID (TILA-RESPA Integrated Disclosure), Respa (Reg X), TILA (Reg Z), EFTA (Reg E), FDCPA (Reg F), HPA, FCRA (Reg V), GLBA (Reg P), ECOA (Reg B), UDAAP, and SCRA) o Fannie Mae, Freddie Mac, FHA, VA, Rural Development and Ginnie Mae Guidance and Compliance o State lending regulations o Bank policy and procedure: Residential, Commercial, Consumer Credit, Auto, Credit Cards
  • 2. Nat han A . Jus t i c e – P age 2 Director of Operations  Recruiting  Staffing  Created pricing proposals for potential clients  Developed and implemented team progress reports  Developed and implemented training programs for team.  Human Resources Project Management  Budgeting, resource planning and project control  Managed multiple teams simultaneously and teams up to 100+ consisting of team leads, quality control, subject matter experts and underwriters  Developed project progress reports and provided to the senior management team.  Provided program reports to client and executive team  Designed and developed strategies for the implementation of a new project life cycle  Contributed ideas and streamlined procedures on various projects  Coaching, Managing, Mentoring and Training o Team Leads o Subject Matter Experts, Quality Control Specialists o Senior Underwriters/Underwriters o Data Entry Personnel  Audits/Reviews Managed: o Government  Consumer Finance Protection Bureau (CFPB)  Comprehensive Capital Analysis and Review (CCaR)  Office of the Comptroller of the Currency (OCC)  Federal Deposit Insurance Corporation (FDIC) o Due Diligence Underwriting & Quality Control o Legal and Repurchase o Legal/Collateral, Title, and Foreclosure doc reviews, and securitizations o Internal and compliance o Judgments, Deficiencies, Charge-Offs - JDC's o Fraud/Forensic Investigations (Analysis, Planning, Fact-Finding, Evidence, Reporting and Follow-Up) o Loan Acquisition Audits: Credit, State & Federal Compliance, Investor Guidelines, Pay/Servicing Histories o Work-out/Collections (financial analysis and risk assessment) of performing and non-performing commercial, residential and consumer (auto & credit cards) loan portfolios. o Special projects o Bank Secrecy Act BSA /AML Anti-Money Laundering-Suspicious Activity Reports SAR's o Loss mitigation, Bankruptcies, Loan Foreclosures, and Loan Modifications Team Lead  Analyzed, serviced and reported the association’s loans in commercial and residential real estate, equipment, chattel and farm operations.  Liaised with the lending staff to develop credit decisions.  Facilitated the senior-level staff with complex loan packages.  Managed domestic and international risk analysis teams in multiple locations.  Functioned as an onsite examiner for Ixis Capital Markets, managing three offices  Counseled lenders on new loan products and underwriting policy and procedures.  Cleared underwriting issues submitted by purchasing agents.  Cleared loan stipulations on the secondary market.  Provided daily reports to Senior Management Personnel and Investors and oversaw quality control and project management Loss Mitigation Specialist (OCC)  Modification Program Subject Matter Expert.  Re-developed Modification Review waterfall program for company.  Developed Modification Review materials for team.  Reviewed assets modified by Bank of America per OCC Consent Order  Perform risk analysis underwriting and reporting.
  • 3. Nat han A . Jus t i c e – P age 3 Resolution Assistance/Asset Management/Investigations (FDIC)  Managed the risk analysis teams assigned to Commercial and Residential loan reviews, special projects, site inspection, pay history and title review teams  Managed $50 million in agriculture, commercial/residential real estate, equipment, consumer, operating lines, and chattel loans  Settlement negotiations  Wrote and edited junior staff member cases for extensions, subordinations, master plans, compromise offers’ conducted collateral searches, appraisals and inspection reviews  Conducted fraud investigations and loan reviews  Created reports for lead investigations team, project managers and investigator in charge (IIC)  Formulated policy and procedures for the Loan Review Process  Wrote target loan reviews for IIC, PLG and outside counsel  Co-wrote Authority to Sue/Settle and Authority to Terminate Reports  Presented reports to the senior management teams and the FDIC  Coordinated activities with servicing companies, the FDIC, and other third parties to complete project  Developed and implemented reporting procedures for FDIC and Management  Coordinated FDIC failed bank receivership collection activities Training Specialist  Developed and implemented training programs for new domestic and international instructors.  Trained Brokers, Processing Team, Underwriters and Loan Officers;  Mentored and trained clients in Commercial, Residential Lending & SBA Lending, Factoring, A/R Finance, and Leasing origination, processing and underwriting procedures Branch Manager  Managed a team of up to 100 Loan Officers and support staff; led strategic planning, business and branch operations  Advised Loan Officers and Brokers on lender products and guidelines; enhanced relationships with lenders and state licensing agencies  Underwriting (DU, LP, and AUS); held $1,000,000 signing authority for the Branch  Performed credit and appraisal analysis  Designed the company website  Interpreted and guided loan officers on lending policies and procedures. Loan Originations Military Experience US Navy 1989 – 1992 Payroll Clerk and Seaman, E-3  Served on USS Mount Vernon LSD 39  Honorably Discharged Veteran  Missions: Operation Desert Shield, Operation Desert Storm, Operation Sea Angel. Education & Training General requirements, Montana State University, Billings, Montana, 1995 – 1996 Business Management, University of Phoenix, 1998 – 2001 Awards Joint Meritorious Unit Award ~ Navy Unit Commendation ~ National Defense Service Medal Southwest Asia Service Medal with Bronze Stars ~ Kuwait Liberation Medal ~ Humanitarian Service Medal

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