Aubrey Carpe
Woodstock Valley,CT
Summary
Strategic Vice President of Banking and Finance with 15+ years of expertise in mortgage lending, underwriting, credit analysis, and portfolio management. Proven leader in directing high‑volume loan operations, building and mentoring teams, and optimizing workflows to drive efficiency and profitability. Skilled in credit risk management, regulatory compliance, and credit policy implementation that safeguard assets and support sustainable growth. Recognized for delivering exceptional client service while fostering a culture of accountability, innovation, and performance excellence.
Overview
18
18
years of professional experience
Work History
Vice President of Lending
Greater Springfield Credit Union
07.2023 - Current
- Directed end-to-end lending operations and sales for consumer and real estate lending, including servicing, secondary market, collections, and loss mitigation to optimize portfolio performance and ensure compliance.
- Partnered with CEO, CFO, and Board to present lending performance metrics and SWOT analyses, influencing strategic decisions and portfolio growth.
- Served on Senior Leadership Team (SLT) and Asset Liability Committee (ALCO), contributing to enterprise risk management and strategic planning.
- Designed and launched innovative loan programs (First-Time Homebuyers, First Responders, FlexRate, Mortgage Pre-Approval), driving origination volume and profitability.
- Updated risk-based pricing policies aligned with risk appetite, expanding lending opportunities while maintaining regulatory compliance.
- Implemented Experian Quest platform for semi-annual portfolio stress testing, reducing delinquency rates to under 1% and strengthening risk oversight.
- Represented institution during state and federal exams; negotiated a 10% cost reduction on compliance audit vendor contract with CrossCheck Compliance.
- Spearheaded digital transformation by integrating LOS Encompass platforms (Appraisal Firewall, ICE Fees), cutting cycle times and tolerance violations.
- Formed strategic partnership with Carfax to leverage VIN-specific reports, improving LTV accuracy and reducing auto loan risk.
- Led marketing and technology initiatives—website redesign, social media, and SEO campaigns—to attract next-generation members and strengthen community presence.
- Supervised and developed loan personnel through coaching and mentoring, motivating teams to deliver white-glove customer service and consistently exceed performance standards.
VP - Ultra High Net Worth Mortgage Underwriting
City National Bank
10.2021 - 02.2023
- Analyzed complex credit histories, employment records, and financial documentation to determine creditworthiness and mitigate risk.
- Performed independent underwriting reviews of high-value mortgage applications, ensuring compliance with CNB policies, regulatory standards, and internal credit risk ratings (CRRs).
- Balanced risk against profitability to make optimal lending decisions and guided junior underwriters in critical decision-making processes.
- Collaborated with business, risk, and compliance partners to identify risk themes, root causes, and implement remediation strategies.
- Approved or declined loans based on established underwriting guidelines, enhancing operational risk controls and reducing regulatory findings from agencies such as OCC.
Banking Officer – Senior Portfolio Underwriter
Valley National Bank
03.2018 - 09.2021
- Built and maintained strong relationships with internal teams, external customers, and investors to ensure compliance with FNMA, Freddie Mac, FHA, and HUD guidelines.
- Analyzed complex financial statements for self-employed applicants, accurately calculating income, liquidity, and solvency ratios to support underwriting decisions.
- Verified income, assets, credit history, and reviewed appraisals and title documents for accuracy, achieving 100% quality with zero audit findings from Quality Control.
- Ensured mortgage program compliance and drove adherence to investor and regulatory requirements through proactive risk management and documentation review.
Mortgage Underwriter – Residential Lending
Columbia Bank
06.2016 - 03.2018
- Issued credit decisions on loan products including purchases, refinances, modifications, subordinations, and home equity loans and lines of credit.
- Key contributing member of project management team during system conversion and implementation.
- Created and developed documents that were utilized in Loan Operating System (LOS) Encompass and daily workflow.
- Performed Quality Control (QC) internal audit checks on files and HMDA review.
Underwriter
Bogota Savings Bank
08.2013 - 06.2016
- Knowledgeable in Private Mortgage Insurance working specifically with United Guaranty.
- Reviewed and approved final HUD-1 Settlement Statements at time of closing.
- Conducted final checks of conditions and responsible for clearing loan applications for closing.
- Trained new staff to increase productivity and minimized time required to integrate new hires into their roles.
Credit Analyst – Mortgage Loan Processing
Weichert Financial Services
08.2012 - 05.2013
- Partnered with Loan Officers to ensure accurate and timely mortgage processing, maintaining compliance with evolving lending regulations and investor guidelines.
- Managed a high-volume pipeline of 40+ loan applications monthly, driving operational efficiency through proactive communication with originators, applicants, and stakeholders to resolve inquiries and mitigate risk.
- Processed and verified loan documentation in accordance with federal, state, and agency requirements while delivering exceptional client service across multiple channels.
Branch Manager
Palisades Federal Credit Union
05.2011 - 01.2012
- Evaluated employee performance and implemented targeted improvement plans, reducing process bottlenecks and enhancing operational efficiency.
- Designed and launched training programs to boost workforce skills and retention, while engaging employees through positive motivational strategies.
- Prepared financial and operational reports to support strategic decision-making and ensured timely project delivery by streamlining workflows and managing team tasks.
Branch Manager | Mortgage Underwriting
Trustco Bank
01.2008 - 04.2011
- Directed and executed strategic plans for the Grand Opening of the Northvale branch, driving market penetration and promoting financial products and services to expand client base.
- Enhanced branch performance and profitability by managing full-cycle talent processes—hiring, evaluations, conflict resolution, and coaching—while ensuring adherence to company protocols and regulatory standards.
- Originated and closed mortgage loans, underwriting and pre-qualifying clients in compliance with federal and investor guidelines; conducted risk assessments and quality assurance reviews to mitigate operational and compliance gaps.
- Achieved over $10M in new deposits and significant revenue growth during the branch's inaugural year through targeted sales strategies and relationship management.
Education
MBA - Strategic Management & Business Analytics
University of Massachusetts Amherst
Amherst, MA05.2019
Bachelor of Arts - Communication
Seton Hall University
South Orange, NJ12.2004
Skills
- Mortgage & Consumer Lending Strategy
- Credit Risk Management
- Regulatory Compliance (FDIC, NCUA, CFPB)
- Loan Portfolio Management
- Underwriting & Credit Analysis
- Asset Quality & Risk Mitigation
- Financial Performance Optimization
- Strategic Planning & Business Development
- Leadership & Executive Team Collaboration
- Policy Development & Governance
- Loan Origination Systems (LOS) & Digital Lending Platforms
- Adaptive Problem-Solving and Innovation
Timeline
Vice President of Lending
Greater Springfield Credit Union
07.2023 - Current
VP - Ultra High Net Worth Mortgage Underwriting
City National Bank
10.2021 - 02.2023
Banking Officer – Senior Portfolio Underwriter
Valley National Bank
03.2018 - 09.2021
Mortgage Underwriter – Residential Lending
Columbia Bank
06.2016 - 03.2018
Underwriter
Bogota Savings Bank
08.2013 - 06.2016
Credit Analyst – Mortgage Loan Processing
Weichert Financial Services
08.2012 - 05.2013
Branch Manager
Palisades Federal Credit Union
05.2011 - 01.2012
Branch Manager | Mortgage Underwriting
Trustco Bank
01.2008 - 04.2011
MBA - Strategic Management & Business Analytics
University of Massachusetts Amherst
Bachelor of Arts - Communication
Seton Hall University
Reference
United States Citizen - References Available Upon Request