Janice Crawford
Palos Heights,IL
Summary
Diverse Chief Credit Officer with a robust history at NHS of Chicago, showcasing expertise in financial acumen and strategic leadership. Spearheaded initiatives, like a $10.5M lending program, achieving 90% compliance in loan origination. Excels in stakeholder engagement and policy development, driving mission-driven outcomes and economic growth in underserved communities. Strategic Chief Credit Officer known for high productivity and efficiency in task completion. Skilled in risk management, financial analysis, and regulatory compliance, with a strong focus on maintaining credit quality and portfolio integrity. Excel in leadership, communication, and decision-making, ensuring successful team collaboration and stakeholder engagement.
Overview
14
14
years of professional experience
Work History
Chief Credit Officer
NHS of Chicago
Chicago, IL
02.2024 - Current
- Direct and oversee the organization's credit and lending activities, ensuring alignment with the mission to support underserved communities, and promote economic growth and development as a mortgage-licensed (IDFPR/NMLS) non-profit Community Development Financial Institution (CDFI). Facilitated the disbursement of $1.278 million grant funds for lending from the CDFI Fund.
- Developed new lending programs and products, exploring alternative structures, and creating new guidelines and policies for equitable and fair lending products, such as the Home Improvement Loan in partnership with the Robert Wood Johnson Foundation after receiving a $500k grant; created a loan product for Connecting Community and Capital with the Chicago Community Trust to originate 25 below-market loans for $10.5M.
- Secured a contract with a HUD agent affiliate to secure delinquent mortgages for redevelopment, and secured a $2M line of credit for construction services for lending.
- Monitored and evaluated the credit risk of customers on an ongoing basis to identify potential areas of concern. While establishing policies and procedures to minimize losses due to delinquencies or defaults by borrowers. Led CDFI and Compliance teams to achieve 90% compliance with loan origination files, implementing cross-training across departments.
Associate Credit Officer
NHS of Chicago
Chicago, IL
05.2023 - 02.2024
- Ensured compliance with federal, state, and local regulatory requirements, including the Community Reinvestment Act (CRA), the National Mortgage Licensing Service (NMLS), the Community Development Financial Institution (CDFI), and the Illinois Department of Financial and Professional Regulation (IDFPR).
- Collaborated with stakeholders, including community organizations, government agencies, and financial partners, to expand access to capital, and drive mission-driven outcomes.
- Cultivated and maintained comprehensive industry knowledge to assess risk solutions and maximize returns.
- Implemented innovative procedures and technologies to enhance efficiency and streamline workflow between the Lending, CDFI, Finance, and Compliance departments.
Investor Relations Manager
NHS of Chicago
Chicago, IL
09.2017 - 05.2023
- Collaborated with executive leadership to develop innovative capital-raising strategies to support lending initiatives for underserved communities and individuals.
- Monitored and reported monthly, quarterly, and annually on the performance of private mortgage securities and loan pools to investors and board members.
- Managed and facilitated over $57M in mortgage capital calls in less than 18 months.
- Created financial management mechanisms to minimize financial risk to the business and enhance business operations.
Asset Disposition Manager
Fay Servicing
Chicago, IL
10.2015 - 09.2017
- Managed the strategic disposition of real estate assets, maximizing returns for hedge fund investors by leveraging market insights and data-driven analysis.
- Developed and executed comprehensive asset pricing and sales strategies, including property marketing, negotiation, and transaction management.
- Conducted asset valuations, financial modeling, and market trend analyses to identify optimal exit opportunities for distressed, underperforming, and high-value properties.
- Implemented quality control measures to uphold company standards.
Mortgage Servicing Specialist
HSBC
Elmhurst, IL
10.2012 - 10.2015
- Managed end-to-end mortgage servicing processes, including loan payment processing, escrow account management, and payoff transactions, ensuring compliance with regulatory standards and company policies.
- Provided expert support for complex servicing issues, including delinquency management, loss mitigation, and escrow analysis, delivering effective resolutions to maintain borrower satisfaction.
- Monitored loan portfolios to ensure accurate and timely execution of servicing activities.
- Initiate, pause, and manage foreclosure proceedings on seriously delinquent loans.
Education
Ph.D. - Candidate
Trident International University
Cypress, CA09-2026
Skills
- Leadership and strategic thinking
- Financial Acumen
- Business Development and Growth
- Stakeholder Engagement
- Relationship Management
- Residential Lending
- Asset Management
- Capital Funding
- Performance Reporting
- Portfolio Management
- Financial Forecasting
- Regulatory Compliance
- Interpersonal Communication
- Policy Development
- Critical Thinking
- Market Analysis
Roles And Responsibilities
- Adapt programs, products, and services to changing demographics and housing markets.
- Ensure regulatory compliance with IDFPR, NMLS, the CDFI Fund, Freddie Mac, Fannie Mae, IL CRA, and other agencies.
- Develop and support key relationships with public and private partners, increasing loan capital availability.
- Assist the President/CEO and COO in developing new lending programs and products, exploring alternative structures, and creating new guidelines and policies.
Leadership Experience
Led CDFI and Compliance teams to achieve 90% compliance with loan origination files, implementing cross-training across departments. Developed and streamlined new construction processes, generating over $5M in working capital within 9 months.
Communication Skills
Implemented innovative procedures and technologies to enhance efficiency and streamline workflow between the Lending, CDFI, Finance, and Compliance departments.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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References
References available upon request.
Timeline
Chief Credit Officer
NHS of Chicago
02.2024 - Current
Associate Credit Officer
NHS of Chicago
05.2023 - 02.2024
Investor Relations Manager
NHS of Chicago
09.2017 - 05.2023
Asset Disposition Manager
Fay Servicing
10.2015 - 09.2017
Mortgage Servicing Specialist
HSBC
10.2012 - 10.2015
Ph.D. - Candidate
Trident International University
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