Romina Dal Poggetto-Kacian
Mission Viejo,CA
Summary
Distinguished residential and commercial mortgage servicing authority, with a formidable track record spanning over2 decades in investor accounting, investor reporting, and treasury management. Acclaimed for spearheading operational enhancements, leadership, setting new benchmarks, and ensuring seamless audit readiness. Revered for unwavering fiduciary dedication, unparalleled attention to detail, and adept stewardship in treasury functions, underpinning strategic financial success.
Overview
21
21
years of professional experience
Work History
Vice President – Investor Accounting and Advance Facility Reporting
Carrington Mortgage Holdings
08.2017 - Current
- Directed, organized and facilitated the success of the Investor Accounting department with over 1,000 custodial bank accounts including GNMA, FNMA, FHLMC and private investor accounts
- Drove measurable improvements in monthly, quarterly and yearly audit outcomes
- Collaborated with IT and Accounting to implement reconciliation software that resulted in cost savings
- Grew the advance facilities team’s responsibilities from 14 to over 43 remittance reports and added 3 new private equity investors
- Elevated the visibility and successes of the teams within the company.
Director – Treasury
Carrington Mortgage Holdings
10.2015 - 08.2017
- Oversaw the growth of advance facilities from 1 equity partner with 7 remittance reports to 3 equity partners and over 14 remittance reports
- Designed custom reports for new partners
- Managed the buyout of securitized GNMA loans over 90 days delinquent to four different warehouse lines of credit while adhering to various covenants
- Directed the daily cash movements of recoverable advances, borrower repayments and servicing income
- Lead an initiative to automate reports used by the department
- Served as administrator and wire releaser across all banking platforms for the entire organization
- Reconciled and clear bank accounts related to the advance facilities in accordance with Reg AB.
Treasury Manager
Sabal Financial Group, L.P.
02.2013 - 10.2015
- Consolidated treasury functions under the newly created Treasury Department
- Forecasted cash for two divisions, ensuring working capital liquidity and managing intercompany receivables
- Developed models to calculate monthly cash distributions to equity partner and minority investors
- Launched initiative to bring the company in-line with Reg AB compliance for all securitized portfolios
- Scheduled and calculated monthly debt payments to the various lines of credit
- Worked closely with internal and external audit to streamline and improve processes
- Produced remittance reports for two private, NPL securitizations
- Developed the processes needed to prepare and deliver investor report to Freddie Mac for the newly launched Multifamily Division
- Standardized user access and wire limits via a company-wide delegation of authority for all wire systems and over 100 bank accounts
- Developed relationships with various banks to open bank accounts
- Managed the process for acquiring letters of credit and bonds for various real estate assets
- Reconciled all bank accounts and direct the business to resolve discrepancies.
AVP, Manager of Investor Reporting and Treasury Operations
Lehman Brothers Small Business Finance (predecessor to Aurora Bank Commercial Services)
06.2005 - 11.2012
- Oversaw the preparation, delivery and remittance of scheduled/actual, scheduled/scheduled and actual/actual small-balance commercial and SBA loan securitizations and whole-loan reports
- Reviewed and approved the monthly reconciliations for custodial bank accounts and the preparation of wires to clear exceptions in accordance with USAP guidelines
- Effectively communicated with investors and Trustees in regards to any and all issues
- Reviewed and approved all wires for the division
- Led the department in two servicing system conversions by identifying business requirements, replicating all investor reports, and performing user acceptance testing
- Produced monthly self-assessment reports of sensitive areas of the department to measure risk and compliance with USAP and SBA regulations and present the results in monthly management meetings
- Worked with quality control, internal and external auditors to coordinate monthly and/or yearly reviews
- Participated in company-wide projects (eg., overhaul of the cashiering process to clear audit findings, re-amortization of loans that were outside of the servicing system capabilities, develop company-wide BK and loan mod procedures) to improve processes and create efficiencies
- Developed and communicated departmental goals, ensured that goals were appropriately delegated to up to 10 team members and monitored ongoing performance
- Performed at least one annual review of department policies and procedures and updated where required
- Managed the remittance of delinquent SBA loan payments to the SBA within fifteen days of receipt of payment
- Selected as part of a team of twenty employees to wind down the operation by selling and transferring loans, assisting with the preparation of the purchase price and closing statement and providing any post-close true-up and support.
Investor Reporting Analyst
CNL Commercial Finance (predecessor to Lehman Brothers SBF)
11.2002 - 06.2005
- Prepared 7 small-balance commercial investor reports, calculated disbursements to all bond holders and delivered the final servicer’s certificate to the trustees
- Designed two servicer’s certificates on new securitizations according to the applicable serving agreements
- Prepared monthly reports on three warehouse lines of funding, according to the applicable agreements
- Issued cash forecasting, processed daily wires, and coordinated warehouse borrowing and loan fundings as needed
- Sold the guaranteed portion of newly-funded SBA loans on the secondary market and processed the participations in the servicing system
- Assisted in gathering information for annual USAP examination.
Education
M.A., Latin American Studies (Economics and International Business) -
George Washington University, Elliott School of International Affairs
B.A. Politics -
University of California, Santa Cruz
Skills
- Leadership Execution & Development
- Native Spanish speaker
- Financial Strategy Development
- Regulatory Compliance Understanding
- Strategic Decision-Making
- Internal Controls Design
- Foreign Exchange Management
- Cash Flow Forecasting
- Hedging Strategies Implementation
Technical Skills
MS Office Suite: Word, Excel, Access, PowerPoint, Lexis-Nexis, Outlook, Bloomberg, PCFS 2000 (SBA loan servicing
system), Midland Enterprise! loan servicing system, Fidelity MSP loan servicing system, and Fiserv loan servicing system
Timeline
Vice President – Investor Accounting and Advance Facility Reporting
Carrington Mortgage Holdings
08.2017 - Current
Director – Treasury
Carrington Mortgage Holdings
10.2015 - 08.2017
Treasury Manager
Sabal Financial Group, L.P.
02.2013 - 10.2015
AVP, Manager of Investor Reporting and Treasury Operations
Lehman Brothers Small Business Finance (predecessor to Aurora Bank Commercial Services)
06.2005 - 11.2012
Investor Reporting Analyst
CNL Commercial Finance (predecessor to Lehman Brothers SBF)
11.2002 - 06.2005
M.A., Latin American Studies (Economics and International Business) -
George Washington University, Elliott School of International Affairs
B.A. Politics -
University of California, Santa Cruz
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