Albert SMith JR.
Atlanta,GA
Summary
Seeking to utilize my many years of credit and banking experience to provide new ideas and vision to an organization.
Overview
20
20
years of professional experience
Work History
Associate National Bank Examiner
Office of Comptroller of Currency
01.2023 - Current
- Interact with all levels of bank management to complete a wide range of analytical and bank supervisory activities
- Using a risk-based approach to analyze areas within the bank including interest rate risk, capital, earnings, audit, internal controls, and investments
- Assist in Retail Credit and Mortgage Banking FDICIA Exams based on prior work experience
- Providing recommendations to bank management to improve bank performance
- Reviewed and analyzed financial institution's books, records, and operations to ensure compliance with federal laws, regulations and guidelines.
- Conducted onsite examinations of financial institutions to assess their overall condition.
- Provided recommendations for corrective action when deficiencies were identified during the review process.
Mediation Corporate Representative
JPMorgan Chase
05.2010 - 01.2023
- Travel on behalf of the bank as a corporate representative to appear at hearings, trials, mediations, and depositions
- Work in concert with management, in-house counsel, and appointed outside counsel in situations where chase is involved with litigation
- Risk Analysis to determine cost effective litigation resolutions
- Relationship management with vendors, internal business partners, and litigation firms
- Provide feedback to Department Managers regarding practices, policies and procedures that may be a risk factor for future litigation
Fulfillment Assistant Manager (AVP)
JPMorgan Chase
11.2008 - 05.2010
- Responsible for the day-to-day management of Loss Mitigation Department including strategizing to develop and implement policies and procedures to meet the business needs of Loss Mitigation and Imminent Default Groups
- Managed the pre-approval and post approval audit process for Loan Modification applications submitted through the Mortgage Banking Loan Servicing Department
- Provided motivation, coaching and development of the Fulfillment Supervisors
- Interacted with business partners to suggest and implement continual improvement with the goal of reducing turnaround time and improving quality
- Managed and interacted with offshore vendor management team
Default and Title Claims Analyst
JPMorgan Chase
09.2007 - 11.2008
- Completed research and analysis of delinquent mortgage loans with title claims, contested foreclosures and other litigated matters
- Conducted research on the delinquent loan portfolio and provided analysis, resolution projections, reports, and presentations to management
Senior Default Specialist
HomeBanc Mortgage Corp
10.2004 - 08.2007
- Responsible for collection of delinquent mortgage accounts, monitoring files through foreclosure, bankruptcy and REO process
- Contacted delinquent customers to set up payment arrangements in accordance with investor standards
- Monitored bankruptcy files which include monitoring pre- and post-petition payments
- Provided monthly reports to Finance regarding foreclosures, short sales, third party sales and REO gains and losses
- Filed claims with investors, PMI, and MI companies
Education
bachelor of business admistration-bba -
University of Arizona Global Campus
01.2022
Skills
- Critical thinking
- Problem solving
- Microsoft Word
- Microsoft Outlook
- Microsoft PowerPoint
- Zoom
- Microsoft Teams
Timeline
Associate National Bank Examiner
Office of Comptroller of Currency
01.2023 - Current
Mediation Corporate Representative
JPMorgan Chase
05.2010 - 01.2023
Fulfillment Assistant Manager (AVP)
JPMorgan Chase
11.2008 - 05.2010
Default and Title Claims Analyst
JPMorgan Chase
09.2007 - 11.2008
Senior Default Specialist
HomeBanc Mortgage Corp
10.2004 - 08.2007
bachelor of business admistration-bba -
University of Arizona Global Campus