Mortgage Banking Professional
San Francisco Bay Area
- Current
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- Senior Mortgage Professional at RPM Mortgage Inc
- Past
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- Contractor at Bank of America Home Loans
- CEO, Founder & Consultant at Mortgage Risk Solutions
- Vice President, Mortgage Banking at Coast Capital Corporation
- Loan Officer / Net Branch Owner & Manager at Atlas Financial
- Regional Manager, Sales & Operations at Harbourton Mortgage Investment Corporation
- AVP Regional Operations Manager at New Century Mortgage Corporation
- Account Executive at First Franklin Financial
- Senior Underwriter at First Franklin Financial
- Case Manager at Princeton Capital
- Loan Specialist II at Bank of America
- DU Underwriter at First Union National Bank
- Operations Manager at California Finance & Mortgage
- Education
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- De Anza College
- Recommended
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5 people have recommended Tisha D - Connections
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157
connections
- Industry
- Financial Services
- Websites
Tisha D Hartman’s Summary
• Over 13 years experience in mortgage lending with tremendous success in management, sales, operations, underwriting, investor relations and new product development.
• Led regions from start up, to record breaking success, exceeding shareholder and corporate expectations in both volume and profits, across the board.
• Thorough knowledge of loan administration, credit risk, credit policy, default management, process management, regulatory compliance and loss mitigation.
• Effective leader with a proven ability to hire, train and motivate high performance teams!
• Proven marketing strategies with highly effective profit and loss management.
Tisha D Hartman’s Specialties:
Exception lending, writing, public speaking, corporate communications, sales, marketing, operations management, underwriting, fraud identification, loss mitigation, risk management, auditing, risk review, compliance, management consulting, corporate taining, individual and bulk loan sales to the secondary mortgage market (hedging, flow, forward committments, etc.), distressed loan management and REO/asset management.
Tisha D Hartman’s Experience
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Senior Mortgage Professional
RPM Mortgage Inc
(Privately Held; Real Estate industry)
May 2009 — Present (3 months)
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Contractor
Bank of America Home Loans
(Financial Services industry)
January 2009 — May 2009 (5 months)
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CEO, Founder & Consultant
Mortgage Risk Solutions
(Management Consulting industry)
October 2007 — January 2009 (1 year 4 months)
A management consulting firm tailored for mortgage bankers, offering a full suite of advisory services including: re-purchase and loss mitigation, REO/asset management, legal negotiation assistance, broker to banker transition, policy and procedure review, loan level audits for fraud and compliance, fraud detection & expert witness, occupancy verifications and contract underwriting.
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Vice President, Mortgage Banking
Coast Capital Corporation
(Financial Services industry)
April 2007 — November 2007 (8 months)
Developed all aspects of wholesale lending: underwriting guidelines, credit committee, secondary marketing department, appraisal review department, broker review department, policies, procedures, staffing sales and operations. Enhance product offering, implemented rate-sheets, matrices and marketing materials. Took over the firms distressed/scratch and dent loans. Implemented and rolled out the firms first automated pricing and guideline engine. Re-negotiated all vendor, investor and client contracts to increase profitability as well as provide added insulation from potential losses. Delegated Authority to $3MM
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Loan Officer / Net Branch Owner & Manager
Atlas Financial
(Real Estate industry)
September 2004 — April 2006 (1 year 8 months)
Operated an independent branch of Atlas Financial offering mortgage loans and real estate services to the general public. Developed and oversaw an internal outbound call center. Managed branch sales and operations teams consisting of loan officers, realtors and loan processors. Implemented all branch policies and procedures, marketing materials and strategies in addition to overseeing all special event sales efforts. Ensured that all originated and closed real estate and loan transactions were within the limits of all state and federal compliance and regulatory laws. Developed a lead tracking system, implemented customer retention/follow up program that rewarded individuals for consistently exceeding client expectations.
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Regional Manager, Sales & Operations
Harbourton Mortgage Investment Corporation
(Financial Services industry)
January 2004 — September 2004 (9 months)
Recruited by the CEO, to rebuild and grow the firms Bay Area / Central California Region.
~Set the new production record for the region within 3 months, while simultaneously maintaining 24 hour Underwriting turn-time. Strategically expanded staff and territory to ensure maximum account penetration. Continual analysis of competitor products, pricing and service levels, with ongoing feedback to corporate in an effort to maintain a competitive hedge. Implemented regional operations policies and procedures, to allow for the most efficient flow of business and delivery of the highest quality loan packages to the investor. Provided ongoing in field training and assistance for the sales force.
Delegated Authority to $1.5MM -
AVP Regional Operations Manager
New Century Mortgage Corporation
(Public Company; NEW; Financial Services industry)
June 2002 — December 2003 (1 year 7 months)
~Led region to record-breaking success, reaching $146 million in monthly production within the first year of operation! Exceeding corporate growth and profit expectations by 500%, resulting in the fastest growing region in company history!
Recruited, trained, motivated, mentored and managed a staff of 39 direct reports in operations, while simultaneously providing ongoing support to an additional 21 Account Executives
Implemented numerous procedures that were adopted division wide to improve loan quality and process flow. Delegated Authority to $750K -
Account Executive
First Franklin Financial
(Public Company; FFHS; Financial Services industry)
August 2001 — June 2002 (11 months)
Promoted to manage business development for the firms central coast territory.
~Grew territory 300% within 9 months of acquisition! Publicly spoke on benefits of the firms product line, to increase name recognition and account penetration. Acted as a liaison between the firm and broker clients while continually building market share. -
Senior Underwriter
First Franklin Financial
(Public Company; FFHS; Financial Services industry)
October 1999 — August 2001 (1 year 11 months)
Underwrote an average of 10 loans per day, while successfully maintaining < than a 1% default rating and 24 hour turntime. Provided ongoing training to all underwriting staff on collateral packages, income documentation, credit analysis and overall level of risk. Ensure quality of service and product to clients and investors. Assist sales staff in deal structuring. Exception underwriting. Provide excellent customer service to both internal and external staff.
Delegated Authority to $300K -
Case Manager
Princeton Capital
(Public Company; Real Estate industry)
June 1998 — October 1999 (1 year 5 months)
Successfully closed $24 million dollars in production monthly. Analyze documentation to ensure compliance with established investor guidelines. Handle all aspects of loan processing and underwriting. Maintain daily reports to ensure data integrity and targeted departmental goals. Meet stringent daily, weekly and monthly deadlines, multitask as necessary and provide a high level of customer service.
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Loan Specialist II
Bank of America
(Financial Services industry)
January 1998 — June 1998 (6 months)
Underwrite & process loans in accordance to corporate policies and investor guidelines. Manage a pipeline of 65-100 loans monthly, consisting of $20 million dollars in closed business monthly. Maintaining daily, weekly and monthly reports. Providing outstanding customer service to both internal and external customers. Demonstrated excellent decision-making, prioritizing, organization and management skills.
Delegated Authority: Level II (Income, Assets, Credit, Appraisal & Preliminary Title Reports) -
DU Underwriter
First Union National Bank
(Public Company; WB; Banking industry)
December 1996 — November 1997 (1 year)
Underwrite an average of 15 loans per day in accordance to corporate guidelines, in order to assess a borrowers credit worthiness and level of risk. Analyze documentation to ensure compliance with established investor guidelines. Maintain daily reports to ensure data integrity and targeted departmental goals.
Delegated Authority to $1MM for all DU/AUS Approved Loans -
Operations Manager
California Finance & Mortgage
(Real Estate industry)
1996 — 1996 (less than a year)
Oversee daily operations and processing staff, in an effort to consistently exceed funding goals. Successfully managed the start up from site selection, recruitment, training, vendor selection, advertising and sales. Provide training to all employees on processing procedures, underwriting and packaging techniques. Effectively communicate with internal employees and external clients to problem solve and exceed funding goals.
Tisha D Hartman’s Education
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De Anza College
English and Asian Art 1997 — 1998
Additional Information
Tisha D Hartman’s Websites:
Tisha D Hartman’s Interests:
• My passions are cooking, painting, travelling, scuba diving, writing and theology. • I love coffee, spicy food, politics, jazz music, spoken word poetry and offbeat movies. • I am an animal lover and have a feisty, talkative Amazon Parrot & a mild mannered Pit-Bull/Boxer mix.
Tisha D Hartman’s Honors:
• Received "Special Thanks Award" from Santa Clara County for public speaking on behalf of disadvantaged children in 1996
• Authored Lead Article for the Scotsman Guide for August 2007
• Nominated “Poet of the Year” by the International Library of Poetry for 2007!
• Received "Editors Choice" from the International Library of Poetry for 2005, 2006 & 2007!
• Managed all press relations for the Project Adware Foundation’s local beach and underwater cleanup efforts for 2008.
• Listed in the Heritage Registry of "Who's Who" 2007-2008.
• Published by the International Library of Poetry as a "Modern Poet" in the "Immortal Verses" volumes.
Pertinent Certifications:
• “Non Harassment” training for Managers.
• Adult CPR
• Emergency First Responder.
• Automated External Defibrillator
• Emergency Oxygen Provider
Tisha D Hartman’s Contact Settings
Interested In:
- career opportunities
- consulting offers
- new ventures
- job inquiries
- expertise requests
- business deals
- reference requests
- getting back in touch
