Summary
Overview
Work History
Education
Skills
Websites
Custom
Community Service
Timeline
Generic

Gloria L Johnson

Providence,RI

Summary

Driven leader with extensive background and experience in creating and streamlining operations for maximum efficiency, putting together, and driving high-performing teams, and aligning strategy to long-term goals. Expertise in operational management, risk management, consumer lending, housing and realty, and community service. Continual promotion and progression as a respected, go-to leader and board appointee. Known for leading teams and developing staff to flesh out processes, determine strength and weaknesses of direct reports, and provide training and mentoring to enhance quality assurance and improve customer experience. Strong ability to take initiative and create processes and programs where there are none, devise risk controls and measures, and implement changes to drive increased productivity and ensure regulatory compliance. Encouraging manager and analytical problem-solver with talents for team building, leading and motivating, as well as excellent customer relations aptitude and relationship-building skills. Proficient in using independent decision-making skills and sound judgment to positively impact company success. Dedicated to applying training, monitoring and morale-building abilities to enhance employee engagement and boost performance.

Overview

18
18
years of professional experience

Work History

Assistant Director Loan Servicing

RIHousing
05.2023 - Current
  • Manage the daily operations and oversight of the single-family loan portfolios in the loan servicing division through direct supervision and training of 5 department supervisors and indirect supervision of 15 line staff members, including operations staff responsible for loan servicing software applications to ensure that applicable standards are met
  • Develop and implement policies, procedures, and systems to effectively service the single-family loan servicing portfolio and ensure staff knows about changes, which helped decrease internal errors by 5%.
  • Develop, implement, and enforce single family loan servicing policies, procedures, rules, and regulations to ensure compliance with requirements of bond indentures, investors, HUD, FHA, VA, Rural Housing, GNMA FNMA, FHLMC, and other federal/state agencies for loan portfolios serviced and monitor results
  • Work with and maintain positive working relationships with various external partners, vendors, and regulatory officials, including attorneys, realtors, property preservation companies, investors, private insurers, and local, state, and federal government agencies
  • Assist staff in the resolution of complex and challenging delinquent mortgage loan including, but not limited to, de-escalation/resolution of customer complaints, prudent negotiation of loss mitigation and disposition options in accordance with regulatory and statutory requirements, including the management and disposition of real estate owned (REO) assets to mitigate risk and maximize return on investment
  • Monitor and analyze delinquent trends and industry and regulatory changes and inform/train staff of such changes.

Risk Manager Loan Servicing

RIHousing
08.2021 - 05.2023
  • Oversee risk controls for Loan Servicing department
  • Monitory performance of single-family loan portfolio to identify risk and opportunities
  • Forecast and report trends to management
  • Supervise and train single family Loan Workout staff
  • Review quality control findings, provide responses per investor guidelines
  • Monitor customer complaints and work with internal legal department to provide responses
  • Oversee loss mitigation process and provide guidance to department, when needed. Streamlined pipeline system, which decreased internal processing timeline by 3%
  • Review State and Federal changes to ensure proper adherence to guidelines regarding servicing of loans and work with internal partners to update reporting, processes and documents

Risk Analyst

Santander Bank
03.2017 - 07.2021
  • Manage risk controls and process for Consumer Loans Operations business unit
  • Identify and assess risk, execute, and evaluate controls, and recommend efficiency improvements based on results
  • Work with supervisors, managers, and personnel across business unit to collect and analyze data, providing recommendations for best practices
  • Assist with and follow up on remediation process; tapped to participate in risk management programs to ensure minimal risk exposure to business unit and bank
  • Create metrics, measure progress, and provide complex reporting to senior management in support of goals and objectives.

Consumer Lending Operations Manager

Santander Bank
03.2011 - 03.2017
    • Promoted from Operations Supervisor to manage team of 10, including 2 specialized team members, providing closing documents and quality review for retail branch partners
    • Updated team on regulatory rules and ensured compliance through thorough quality review
    • Initiated project to automate outdated manual processes, increasing team efficiency by 10%
    • Worked with team members individually to learn strengths and weaknesses; created open environment with personnel complementing one another's abilities, leading to improved productivity and decreased errors by 8%
    • Collaborated with internal auditor to resolve departmental compliance and regulatory issues, making necessary recommendations and changes as needed.

Consumer Lending Operations Supervisor

Santander Bank
07.2006 - 03.2011
  • Supervised closing document preparation team of 8, overseeing quality assurance with Truth in Lending (TIL), Fair Credit Reporting Act (FCRA), and other regulations
  • Ensured accuracy, SLAs, and policies were met with each loan
  • Trained and coached staff as needed, providing cohesive process and team atmosphere, improving productivity, and reducing errors by 40%
  • Developed and launched successful employee mentorship program, assigning seasoned team members to new teammates for 6 to 8 weeks of shadowing; program was adopted department wide
  • Assigned to also briefly manage quality assurance and funding teams to cover absence due to excellent performance; team exceeded SLAs consistently during tenure.

Education

Equity Leadership Initiative -

Rhode Island Foundation
Providence, RI
08.2024

Diversity, Equity and Inclusion in the Workplace Certificate - Diversity Equity And Inclusion Certificate

University of South Florida MUMA College of Business
Tampa, FL
12.2021

Leadership Rhode Island -

Leadership Rhode Island
Providence, RI
09.2017

Leadership for A Future - Leadership For A Future

Institute For Labor Studies
Cranston, RI
12.2016

Skills

  • Leadership
  • Team Management
  • Program Management
  • Project Management
  • Process Improvement
  • Policy & Procedure
  • Change Management
  • Operations
  • Consumer Lending
  • Risk Control & Mitigation
  • Regulatory Compliance
  • Quality Assurance
  • Teaching & Training
  • Mentoring & Coaching

Custom

  • Led team and processes through substantial improvements in quality and reduction of errors by cross-training personnel, reviewing existing procedures, and ensuring accuracy, improving customer satisfaction, and reducing overall time for loan funding.
  • Developed employee mentorship program, assigning more experienced team members with less experienced ones, assisting with smooth onboarding process.
  • Managed QA team of 10 and closing document preparation team of 8, ensuring accuracy of legal documents, signatures, dates, notaries, etc. within SLAs, regulatory compliance rules, and company risk parameters.
  • Created 6-week grassroots homebuyers' association seminar for disadvantaged community members; presented topics and engaged audiences to understand complex home buying process, laws, and procedures, resulting in increased homeownership.

Community Service

  • Community Action Partnership of Providence County, Board Member, May 2024 to Present
  • Community Advisory Board, Swearer Center @ Brown University, Board Member, March 2021 to Present
  • YouthBuild Preparatory Academy, Board Member, January 2016 to Present
  • A Sweet Creation, Board Secretary, March 2016 to Present
  • West Elmwood Housing Development Corporation, Board President, April 2017 to September 2020
  • Kobi for Mayor (Providence) Campaign, Treasurer, March 2017 to December 2018

Timeline

Assistant Director Loan Servicing

RIHousing
05.2023 - Current

Risk Manager Loan Servicing

RIHousing
08.2021 - 05.2023

Risk Analyst

Santander Bank
03.2017 - 07.2021

Consumer Lending Operations Manager

Santander Bank
03.2011 - 03.2017

Consumer Lending Operations Supervisor

Santander Bank
07.2006 - 03.2011

Equity Leadership Initiative -

Rhode Island Foundation

Diversity, Equity and Inclusion in the Workplace Certificate - Diversity Equity And Inclusion Certificate

University of South Florida MUMA College of Business

Leadership Rhode Island -

Leadership Rhode Island

Leadership for A Future - Leadership For A Future

Institute For Labor Studies
Gloria L Johnson