2nd Reef is a mortgage banking operations executive team lead by subject matter experts (SME) with over 30 years of experience. Created in 1994, 2nd Reef Consulting, LLC., has completed multiple projects in specialized mortgage operations, servicing, process development , risk management & regulatory audit & review for FDIC & U.S. Treasury (OCC).

 HIGHLIGHTS:

* FDIC Senior Asset Manager (Consulting) - Completed 23 month advisory
  over Indy Mac Bank, FSB subsidiary assets. $42 billion resolution & 3rd
  largest in U.S. history.

* President (Consulting) First United Bank & Trust Mortgage - Completed 10 
  month operational reorganization for 8th largest privately held 36 bank branch
  multistate lender.

* VP Mortgage Operations, (Consulting) Greater Nevada Credit Union -
  Completed 13 month operational reorganization for 60,000 member
  10 bank branch multistate lender.

Experienced in residential 1- 4 family FNMA / FHLMC / GNMA - FHA/VA (including HECM), Non-Prime Production, Operations, Secondary Marketing, Lending, Underwriting, Due Diligence, Quality Control, Loan Servicing and Mortgage Related Services (Including warehouse lines), Loss Share Reporting, FDIC Indemnification Contract Reporting, FNMA - FDIC Tri-Party Agreement Reporting, FDIC Asset Purchase Agreements.

Specialties

* Regulatory Authority & Private Bid Preparation of Loan Servicing Portfolios
* Loan Servicing - Stratifications, Analysis, Securitization, Reporting, Investor
  Relations, Software, Capital Markets
* Secondary Marketing Training, Whole Loan - MBS Pipeline Management &
  Risk Hedge Modeling,
* Operation, Strategic Planning & Operational Efficiency, Compliance, Quality
  Control P&P, Product Uniformity Design
* Underwriting, Due Diligence Services, Contractural Services