JASON T. GARBER
Lancaster
Summary
Successful Vice President with many years of results-oriented experience in business intelligence and operations management. Culturally-sensitive and ethical professional with demonstrated success in developing and implementing optimized solutions. Versatile leader recognized for driving results in collaborative, inclusive manner.
Overview
26
26
years of professional experience
Work History
VP – Quality Analysis Mgr
J.P. Morgan Chase Bank
Columbus
01.2019 - 12.2022
- Responsible for successfully leading the HMDA Reporting and Mortgage Disclosure Fee Groups
- Developed new fee architecture and monitoring continually saving company $5+ million/yr
- Created comprehensive HMDA data management process to ensure accurate/timely regulatory filings
- Worked directly with internal/external auditors to provide detail and support for fee and HMDA processes
- Continuously passed internal/external audits due to new processes implemented
- Oversight to all interviewing and hiring of potential new employees within Quality Department
- Part of elite J.P. Morgan Chase Executive fast track group
AVP – Quality Control Mgr
J.P. Morgan Chase Bank
Columbus
01.2015 - 12.2018
- Managed Production Quality programs to ensure all state and government regulations were met
- Liaison between Operations, Compliance, Legal and Audit
- Created and implemented any new quality review monitoring items
- Managed managers with an umbrella of more than 100+ staff
- Actively involved in all Audits, Internal and External
- Proficient in leading town hall discussions, monthly reporting walkthroughs, meeting chair activities
Officer - Compliance Officer
J.P. Morgan Chase Bank
Columbus
02.2006 - 12.2014
- Responsible for maintaining operational quality within the Home Loan Direct (HLD) organization
- Created and revised/updated policies and procedures for HLD Prime
- Provided guidance to HLD to ensure compliance with Federal, State, and Chase policies and procedures
- Performed file reviews and managed weekly and monthly reports of documented results and action plans
- Completed quarterly and semi-annual Quality Assurance reviews
- Conducted reviews of any exception files found in Federal Compliance audits and prepared written responses
- Ensured HLD personnel had detailed understanding of compliance regulations
- Performed new hire compliance training
Senior Loan Analyst
J.P. Morgan Chase Bank
Columbus
10.2001 - 01.2006
- Reviewed multiple reports to ensure proper disclosures, required by state and federal regulations, were issued to customers
- Tracked quality and vendor timelines to verify they were meeting their contractual obligations
- Obtained and reviewed documents for acceptability against loan conditions
- Coordinated with buyers, sellers, title companies, escrow agents, surveyors, and real estate agents to obtain additional documentation, complete loan submissions, and perform proper closings
- Validated proper hazard insurance was obtained and property taxes were current
Branch Manager
Wells Fargo & Co.
Columbus
06.1999 - 09.2001
- Finalized approved loans based on specified guidelines for entire branch
- Reviewed branch financial statements to properly manage profit and loss
- Examined credit information and provided final approval on applications
- In charge of analyzing daily, monthly, and quarterly branch reports
- Evaluated office goals with reference to income, profit, and loan statistics
- Implemented strategic plans to combat any irregularities in data information
- Supervised and conducted training of branch personnel
- In charge of lawsuits, repossessions, and legal actions
Credit Manager
Wells Fargo & Co.
Columbus
06.1997 - 06.1999
- Completed comprehensive training program under supervision of Branch Manager
- Sharpened sales techniques, practiced credit investigations, loan interviewing skills, and loan analysis
- Solicited present and former qualified customers
- Closed loans while recognizing appropriate opportunities for larger loans
- Exercised problem-solving techniques dealing with collection accounts
- Responsible for servicing both new and current retail dealers
Education
Bachelor of Arts - Economics
Denison University
Granville, OhioSkills
- Mortgage Based Systems
- Government HMDA Reporting
- Regulatory compliance
- Quality assurance
- Fee architecture
- Data management
- Risk assessment
- Process improvement
- Auditing practices
- Internal controls
- Stakeholder communication
- Team leadership
- Change management
- Performance metrics
- Conflict resolution
- Strategic planning
- Coaching and mentoring
- Staff recruiting and retainment
- Client relationship building
- Policy and procedure development
- Results-driven
- Business development
- Rules and regulations
- Decision-making
- Verbal and written communication
- Training and mentoring
- Recruiting and interviewing
- Operations management
- Data analysis
- Performance monitoring and evaluation
- Performance metrics analysis
- Price structuring
- Performance data analysis
- Public speaking
- Documentation and reporting
- Critical thinking
- Mortgage banking and analysis
- Loan origination and underwriting
- Complex Problem-solving
- Risk management
- Proposal writing
- Cross-functional team leadership
References
Available Upon Request
Timeline
VP – Quality Analysis Mgr
J.P. Morgan Chase Bank
01.2019 - 12.2022
AVP – Quality Control Mgr
J.P. Morgan Chase Bank
01.2015 - 12.2018
Officer - Compliance Officer
J.P. Morgan Chase Bank
02.2006 - 12.2014
Senior Loan Analyst
J.P. Morgan Chase Bank
10.2001 - 01.2006
Branch Manager
Wells Fargo & Co.
06.1999 - 09.2001
Credit Manager
Wells Fargo & Co.
06.1997 - 06.1999
Bachelor of Arts - Economics
Denison University
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