1. Robert
J.
Rymer
1478
Riverplace
Blvd.
#2007
Jacksonville,
FL
32207
(904)
874-­‐3726
brnjax@gmail.com
QUALIFICATIONS
SUMMARY
Green
Belt
Certified
mortgage
professional
with
more
than
20
years
of
experience
and
extensive
knowledge
of
end-­‐to-­‐end
processes
in
Home
Loans
Fulfillment
and
application
of
the
DMAIC
process
and
six
sigma
tools.
Possess
strong
leadership,
mentoring,
process
design,
problem-­‐solving
and
risk
identification
skills
with
proven
results.
ACCOMPLISHMENTS
Bank
of
America
12/02-­‐Present
Senior
Project
Manager
–
Fulfillment
Platform
Replacement
4/13
–
Present
Lead
the
development
of
more
than
20
different
work
streams
in
support
of
specific
People/Process
Design
topics
related
to
implementation
of
a
new
mortgage
loan
origination
platform.
Created
new
processes
and
gained
approval
from
key
stakeholders
and
control
partners
by
documenting
process
options
through
low-­‐level
process
design
documents,
process
maps,
and
desktop
procedures
as
needed.
Acted
as
a
subject
matter
expert
on
numerous
projects
for
other
critical
production
areas
including
Compliance,
Credit,
Fraud,
Sales,
and
Global
Fulfillment.
Worked
closely
with
various
technology
partners
to
ensure
system
configurations
support
designed
processes.
§ Procedures:
Wrote
or
significantly
re-­‐wrote
more
than
25
desktop
procedures
and
edited
more
than
30
other
procedures
to
align
with
new
processes.
§ Path
Switch:
Developed
interim
process
required
to
transition
loan
applications
to
legacy
system
when
switching
loan
product/
program
to
a
product/program
not
yet
supported
on
the
new
platform
mitigating
customer
impact
while
remaining
compliant.
Required
significant
research
and
vetting
with
Legal,
Risk,
Compliance
and
Regulatory
Business
Controls
partners.
§ Alternate
Offerings:
Provided
significant
feedback
on
system
specifications
to
develop
a
new
and
innovative
Counter
Offer
tool
for
Sales
and
Underwriting.
§ Net
Tangible
Benefit:
Created
process
using
Global
Fulfillment
support
teams
to
obtain
documentation
needed
to
complete
the
Net
Tangible
Benefit
analysis
on
required
transactions
using
internal
resources
while
mitigating
impacts
to
the
customer.
§ Closing
Agent
Portal:
Lead
People/process
work
stream
to
support
the
integration
of
the
new
platform
with
RealEC’s
Closing
Insight.
Created
maps
and
low
level
design
documents
to
address
changes
to
all
impacted
processes:
Title
Order
and
Receipt;
Closing
Collaboration;
Post
Consummation
Adjustment;
and
Closing
Agent
Database
maintenance.
§ Streamlined
Cancellation
Process:
Created
a
streamlined
process
for
loans
cancelled
early
in
the
lifecycle
of
the
loan
that
alleviates
underwriting
capacity
while
ensuring
proper
controls
are
in
place
to
comply
with
all
regulatory
requirements.
§ Training:
Worked
closely
with
training
team
partners
to
develop
modules
around
key
processes
needed
to
ensure
associates
are
ready
to
execute
new
processes
effectively
and
efficiently.
Business
Operation
Manager
–
Inline
Execution
9/11
–
4/13
Managed
various
audit
teams
for
Inline,
Reg
X
and
Closer
Audit.
Responsible
for
validating
mortgage
loans
meet
bank
guidelines
prior
to
funding,
comply
with
RESPA
regulations
and
provide
post-­‐funding
feedback
on
closer
quality
performance.
§ Reg
X
Daily
Fee:
Results:
Worked
with
Process
Design
partners
to
build
audit
process
reviewing
all
fee
increases
disclosed
to
borrower
and
provide
real-­‐time
feedback
and
reporting
to
loan
processor
when
VCC
errors
occurred.
Audit
reporting
provided
feedback
needed
to
reduce
critical
error
rate
from
29%
in
Dec.
2011
to
2%
in
Feb.
2013.
§ Closer
Audit:
Results:
Assumed
operational
ownership
of
Closer
Assessment
audit
process
and
GFF
team
performing
audit
in
Aug.
2012.
Worked
with
compliance
and
line
of
business
partners
to
ensure
proper
audit
process
and
scope
was
followed
and
mirrored
fulfillment
process
as
well
as
RESPA
regulation.
Assisted
the
closers
in
reducing
critical
defect
rate
from
over
30%
in
Aug.
2012
to
16%
in
Feb.
2013.
Process
Design
Consultant
II
–
Default
Servicing
4/10
–
9/11
Lead
or
supported
a
number
of
projects
designed
to
improve
accuracy,
efficiency
and
compliance
with
fast-­‐paced
regulatory
changes
in
the
Bankruptcy,
Foreclosure
and
State
Mediations
group.

2. § FTC
Settlement:
Implement
numerous
changes
to
monthly
mortgage
statements
for
Ch.
13
Bankruptcy
customers
to
comply
with
FTC
Settlement.
Created
processes
and
controls
to
ensure
completeness
and
accuracy
of
customer
and
loan
data
to
comply
with
FTC
Order
and
ensure
statements
are
sent
to
customers
and
trustees
in
a
timely
manner.
§ Outsourcing:
Researched
requirements
needed
to
outsource
up
to
20%
of
foreclosure
activity
to
3
rd
party
vendor.
Worked
with
Information
Security
and
Vendor
Management
teams
to
understand
systems
requirements
needed
for
outsourcing
and
complications
in
securing
systems
access
for
3
rd
party
vendors.
Worked
with
Capacity
Planning
to
provide
alternative
solutions
once
it
became
clear
outsourcing
was
not
a
viable
option.
§ Motion
for
Relief:
Created
current
and
target
state
process
flows
for
the
Motion
for
Relief
processes
to
determine
where
opportunities
exist
for
improved
accuracy
and
automation
of
process.
Identified
dependencies
on
other
projects
in
flight
and
need
to
postpone
automation
until
after
other
projects
implemented.
Provided
coaching
to
Green
Belt
candidate
to
identify
manual
process
improvements
until
automation
can
be
implemented.
Operational
Risk
Manager
4/09
–
4/10
Built
an
Inline
Review
process
for
the
Distributed
Retail
1st
Mortgage
Line
of
Business
(Legacy
Countrywide)
that
performed
manufacturing
quality
audits
of
mortgage
loan
files
after
all
conditions
have
been
cleared
and
prior
to
closing
documents
being
drawn.
§ Built
out
the
complete
process
and
defined
audit
scope
to
address
critical
Quality
Control
audit
tall
bars.
§ Created
detailed
training
materials
and
job
aids.
§ Oversaw
the
hiring
and
training
of
5
Team
Leads
and
46
Quality
Assurance
Analysts.
§ Worked
with
Fulfillment
Executives
and
site
managers
to
establish
solid
communication
routines
to
address
audit
tall
bars
and
provide
feedback
on
results.
§ Results:
Assisted
in
bringing
the
critical
QC
rate
from
17%
in
Jan.
2009
to
8.5%
in
Sept.
2009.
Process
Improvement
Manager
–
Government
Lending
10/07
–
4/09
Accountable
for
the
development
and
execution
of
processes
in
support
of
Hoshin
objectives
for
the
Government
channel.
Managed
a
team
of
Process
Designers
responsible
for
working
closely
with
line
of
business
partners
to
arrive
at
innovative
solutions
and
execute
flawlessly.
§ Government
Fulfillment
Expansion:
Results
-­‐
Increased
fulfillment
capabilities
for
an
additional
350
associates
processing
FHA/VA
loans
by
expanding
to
the
Dallas,
Brea
and
Concord
loan
centers
to
accommodate
the
substantial
growth
of
Government
volume.
§ Deployment
of
LP
on
the
Web
for
Retail
Sales:
Results
–
Improved
Initial
Credit
Decision
(ICD)
cycle
times
and
customer
service
by
providing
nearly
2000
Loan
Officers
with
access
to
upfront
decisioning
for
FHA
and
VA
loans
through
Loan
Prospector.
§ POS
Pend
Process
Redesign:
Results
–
Streamlined
the
process
implemented
to
hold
loans
prior
to
initial
credit
decision
until
key
point-­‐of-­‐sale
(POS)
documents
arrived
by
eliminating
manual
work-­‐arounds,
improving
queue
management
routines
and
creating
new
reporting
for
better
visibility
of
Sales
and
Fulfillment
performance.
§ Reprioritization
of
ICD
Queue:
Results
–
Provided
for
more
accurate
measurement
system
for
Government
Underwriting
ICD
cycle
time
performance
by
adjusting
the
prioritization
of
the
ICD
underwriting
queue
allowing
underwriters
to
review
loans
in
the
order
all
point-­‐of-­‐sale
(POS)
documents
are
obtained
versus
application
date
and
aligned
execution
of
the
process
with
underwriting
performance
metrics.
§ HSS
and
Closer
PDDR:
Results
–
Improved
customer
service
and
standardized
the
Government
fulfillment
process
by
adding
Loan
Processor
daily
Kept
Informed
Routines
that
had
been
previously
deployed
to
the
conventional
processing
sites.
Process
Design
Consultant
I
–
Consumer
Real
Estate
4/05
–
10/07
Process
Design
Consultant
for
Consumer
Real
Estate
First
Mortgage
Fulfillment.
§ Close-­‐On-­‐Time
Service
Guaranty:
Results
-­‐
Actual
realized
cost-­‐avoidance
savings
of
over
$1.4
million
through
the
first
five
months
of
deployment
in
2007.
Obtained
Green
Belt
certification
in
July,
2007
by
creating
fulfillment
process
to
support
the
implementation
and
deployment
of
an
industry
leading
first
mortgage
value
proposition,
No
Fee
Mortgage
PLUS
Close-­‐on-­‐Time
Service
Guarantee.
Led
the
design
and
development
of
technology
improvements
to
sales
and
fulfillment
platforms
to
ensure
success
meeting
the
customer’s
requested
closing
date.
§ Workflow
and
Imaging:
Results
-­‐
Eliminated
82
million
pieces
of
paper
from
the
fulfillment
process
and
15%
reduction
in
cost
to
produce.
Assisted
in
designing
and
implementing
an
automated
workflow
tool
(AWD)
and
paperless
processing
system
into
all
Direct
First
Mortgage
processing
centers.
Collaborated
with
training,
technology
and
site
leadership
to
ensure
minimal
defects
and
issues
during
deployments.
Provided
ongoing
floor
support
and
training
after
deployment
to
ensure
continued
success.
UW
Team
Lead/Credit
Administrator
12/02
–
4/05
Managed
a
team
of
underwriters
ensuring
compliance
with
established
policies
and
procedures.

3. § Award
of
Excellence
winner
in
2003
honored
for
exceeding
site
goals
to
increase
the
number
of
certified
government
underwriters
and
reduce
underwriting
initial
credit
decision
turn
times
from
7
days
down
to
2.
§ Responsible
for
staffing,
coaching,
performance
management
and
personnel
issues.
§ Managed
the
appeals
of
adverse
credit
decisions
and
assisted
underwriters
and
Account
Executives
in
restructuring
of
loan
applications
to
meet
customer
needs
while
adhering
to
bank
and
investor
guidelines.
§ Participated
on
green
belt
project
to
reduce
the
amount
of
time
underwriting
spent
on
loan
resubmissions
by
30%.
§ Participated
as
a
team
member
on
DFSS
project
to
standardize
the
end-­‐to-­‐end
FHA
and
VA
mortgage
fulfillment
process
in
all
fulfillment
sites.
Resulted
in
decreased
variability
in
processing
and
underwriting
on
FHA
and
VA
loans.
Chase
Manhattan
Mortgage
Corp.
2001
-­‐
2002
Wholesale
Communications,
Policies,
and
Procedures
Analyst
Business
Analyst
responsible
for
preparing
and
distributing
internal
and
external
policy,
product
and
procedural
communications
to
wholesale
mortgage
associates
and
brokers.
Worked
with
a
wide
variety
of
business
partners
including
Compliance,
Legal,
Risk
and
Senior
Executives
to
gather
feedback
and
approval
prior
to
distribution.
Senior
Underwriter
–
Wholesale
Division
Responsible
for
review
of
mortgage
loan
applications
for
acceptable
risk
and
compliance
with
investor
and
portfolio
guidelines.
§ Designated
Emerging
Markets
Underwriter
for
Jacksonville
Wholesale
Team.
§ FHA
DE
and
VA
SAR
underwriter
for
entire
eastern
wholesale
market.
EDUCATION
Six
Sigma
Green
Belt
Certified
July,
2007
University
of
Wisconsin
1985
–
1987,
1990