Nathan Justice Resume 01.01.2016
Published on: Mar 3, 2016
Transcripts - Nathan Justice Resume 01.01.2016
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: email@example.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
Full-cycle Recruiting/Talent Acquisition
Compliance and Regulatory Examinations
Analytical & Critical Thinker
Due Diligence Audit Management
Mortgage Audit Process Improvements
Complex Reporting & Documentation
Research, Investigation & Resolution
Customer Service & Client Relationships
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)
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
Nat han A . Jus t i c e – P age 2
Director of Operations
Created pricing proposals for potential clients
Developed and implemented team progress reports
Developed and implemented training programs for team.
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
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
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
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.
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
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
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
Managed a team of up to 100 Loan Officers and support staff; led strategic planning, business and branch
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.
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
Joint Meritorious Unit Award ~ Navy Unit Commendation ~ National Defense Service Medal
Southwest Asia Service Medal with Bronze Stars ~ Kuwait Liberation Medal ~ Humanitarian Service Medal