Ross
Resume, Page 1
STEVEN B. ROSS
Highlands Ranch, CO 80126 (909) 263-8600 stevenbross@yahoo.com
www.linkedin.com/in/stevenbross2008
AREAS
OF
STRENGTH
Management
Lending
Contract Negotiating
Investor Relationships
Strategic Growth/Profitability
Secondary Marketing
Capital Markets
Risk Management
Process Improvement
Interdisciplinary Teams
PROFESSIONAL EXPERIENCE
Zions Bancorporation, Greenwood Village, CO
6/2014 - Present
Product Implementation Manager
Actively manage mortgage product requests for the company's 6 affiliate banks. Collaborate with the Mortgage Lending Center's Underwriting, Post-Closing
and Systems Administration departments on the design, development and implementation of new products/investors for the affiliate banks and the company's
centralized fulfillment center to ensure that all processes are running efficiently.
Accomplishments:
Increased volume for sale from a 60%/40% portfolio/investor split to a 40%/60% portfolio/investor split by increasing the number of take-out
investors for the 6 affiliate banks.
Reduced the number of purchase suspensions for documentation deficiencies and other shipping shortcomings by strategizing with Post-Closing and
working closely with investors.
Streamlined processes leading to a more efficient trading desk and targeted take-out investors giving the company wider delivery options by creating
a core list of investors across all affiliates and identifying and eliminating products offered that did not contribute to the overall success of the
company.
Titan Capital Solutions, Denver, CO
6/2013-11/2013
Vice President - Chief Risk Officer
Managed the day-to-day activities and residential loan credit policy initiatives. This included the review of investor guidelines and recommendations for
improving internal guidelines and policies. Evaluated and managed the risks associated with correspondents seeking admission to the correspondent lending
program.
Accomplishments:
Developed policies and procedures resulting in the effective management of all counterparties.
Pushed through recommendations leading to improved interoffice guidelines and policies and increased efficiency.
Aurora Bank, Littleton, CO
4/2011-4/2013
Assistant Vice President - Pre-Foreclosure Lead Review Supervisor/Counterparty Risk Manager
Determined admittance to Correspondent Lending program by analyzing all pertinent information. This included financial strength of the lending institution
and loan production quality within required timeframes. Determined financial stability, quality of products, and other issues to mitigate risk in the relationship.
Accomplishments:
Personally selected to determine the Bank's standing on foreclosure actions during the Bank's orderly wind-down of operations.
Minimized potential legal liability by performing quality control reviews of the contractors review to determine if their findings were correct and
consistent with Aurora's policies and procedures.
Recognized as the subject matter expert on pre-foreclosure reviews and allocated resources, priority of reviews and training to both first and lead
reviewers as necessary
Steven B. Ross
Resume, Page 2
Spearheaded the development and implementation of systems and procedures that established profitability metrics for account executives as well as
provided the lending groups with a basis to rate employee performance.
Facilitated the development of a repurchase request tracking system, which enabled the capital markets department to quantify the exposure to
repurchase requests while serving as the liaison between IT and the Capital Market group.
Supervised and coached the team to perform at optimal levels.
Increased loan volume by approx. $5M per month or 17% by creating new loan
products for lending.
Conceptualized, built and implemented a manual valuation data entry process, which
streamlined financial processes.
Screened loans purchased through a data omissions model which aided in identifying
data that needed immediate action and reducing issues with securitization of newly acquired mortgage loans.
E D U C AT I ON & T R A I N I N G
Bachelor of Arts in Accounting, California State University Fullerton, Fullerton, CA