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Alexandria, Louisiana 71303 770.722.9466

Profit-driven banking professional with broad-based experience and genuine dedication to customer service, client relationship management and business retention, offering extensive knowledge of commercial/residential/consumer lending including loan operations, credit risk, loss mitigation, real estate owned, and documentation and portfolio management functions. Highly organized, results oriented professional with talent for balancing production needs with customer service and efficiency. Recognized for ability to lead and guide operating units while increasing technical expertise, skills and knowledge of staff. Exceptional leader; inspire teams, build productive employees and attain measurable results. Bring advanced service acumen, technical and problem solving skills. Critically evaluate and minimize operational costs in context of organization profitability. Dedicated to maintaining reputation built on quality, service and uncompromising ethics. Underwriting Credit Risk Loss Mitigation Loan Due Diligence Compliance Financial Analysis Policy Development Performance Management Quality Assurance / Testing Business Development Project Management Restructuring Start Ups Change Management Consulting Strategic Planning Team Leadership Policy Development Process Improvement Account / Territory Management Client Relations Negotiations Needs Assessment Presentations Accounts Payable / Receivable Budgeting Expense Control Product Marketing Customer Service Public Relations General Ledger Internal Controls Payroll Reporting Benefits / Compensation Recruiting Training Workforce Planning

RED RIVER BANK, Alexandria, Louisiana 12/2010 to Present Bank specializing in 75% Commercial Lending and 25% Consumer Lending. Assistant Vice President, Loan Operations - Commercial Loan Processing Manager Direct daily activities for six Commercial Loan Processors / Closers including providing supervision, training, and sole responsibility for final review of all commercial loans, from all locations/branches, ensuring full compliance with all bank policies and guidelines, as well as, Federal and State regulations. Monitor all financial and loan closing documentation supporting proper collateralization prior to release of documents for closing, and ensure all documents are received and booked on Core System, and direct employees clearing all remaining conditions post close. Achievements: Led bank to 90% paperless driving cost control efforts and efficiency by creating electronic file storage for loan documents to be shared between approved personnel. Facilitated at a glance pipeline tracking through creation of group shared electronic calendar for all loans received, complete with date and time of expected closing, name of processor/closer and applicable attorney, and date closed. Increased accountability and efficiency, as well as, eliminating Late Notices on loans closed and not properly booked and General Ledger discrepancies through development and implementation of electronic reporting tool identifying when loans were received, printed, sent to be closed, received back, and booked into Core System. Saved costs and enhanced productivity and efficiency by recommending utilization of electronic appraisal and environmental files. OCWEN/ALTISOURCE PORTFOLIO SOLUTIONS, INC., Alpharetta, Georgia 4/2010 11/2010 National bank, start up division. Team Lead - Owned Real Estate (FDIC Contractor) and AltiSource Team Member (Contractual) Served as a Team Lead for FDIC Receiverships on failed banking institutions, while providing oversight for Bank regarding establishment of guidelines for strike teams entering and exiting failed institution, development of procedures, forms, templates, job descriptions, travel requirements, reporting requirements, deployment process, and asset management for marketing and sale of received assets.


VICKI AMARO Page 2 OCWEN/AltiSource Cont Achievements: Delivered numerous key contributions to FDIC awarded contracts including developing detailed guidelines and procedures for AltiSource FDIC ORE,(Owned Real Estate) Strike Teams, completing and submitting final guidelines for management which outlines the asset marketing and sale of assets, creating Interview questionnaire and job descriptions for potential members and support staff utilized throughout hiring procedures. MIR MITCHELL AND COMPANY (MMC GROUP), Irving, Texas 8/2008 3/2010 Contractual company for many facets of business in the banking, financial services industry. Asset Servicing Professional and REO/ORE Asset Serving Professional Managed workouts, asset management, loss mitigation, and final disposition. Served as workout specialist for active loans through FDIC Receivership. ORE/REO workout specialist for loans in default or foreclosed prior to closure by Federal and State Regulators. Serviced mortgage real estate, consumer, and commercial real estate, construction, and vehicle loans. Achievements: Ensured proper coverage by floating through numerous functions offering oversight by pairing with Asset Managers, Project Managers, FDIC Legal, Accounting, Operations Manager, ORE, Post Closing Asset Manager, other FDIC Representatives, Real Estate Brokers, Investors, Appraisers, Environmental Specialists, and other contractual personnel focused on bringing all assets to final disposition and maximizing recovery for FDIC Receivership. Maximized time, monitoring, and accountability for each asset as member of Final Closing team, providing guidance and assisting in final closure of facility at end of Receivership / failed institution, as well as, developing spreadsheets for milestone and progress monitoring throughout process . Qualified, sourced, and on-boarded five additional personnel supporting Receivership needs. LYDIAN DATA SERVICES, Atlanta, Georgia 10/2007 8/2008 Underwriting contract services for banking and financial institutions nationwide. Due Diligence Underwriter (Atlanta Travel Team/Bulk Underwriting) Performed final credit, collateral review, and compliance review of seasoned loans in foreclosure or in serious delinquent status in possible repurchase position. Reviewed original loan documentation, conducted investigations identifying potential misrepresentation and / or fraud schemes. Prepared final Repurchase Review recommendations and reports for submission to servicers, banks, and investment firms. Achievements: Selected by management to stay on as "best underwriter" through numerous cutbacks and layoffs. HSBC MORTGAGE SERVICES, Brandon, Florida 1/2005 12/2007 International bank providing banking and financial services worldwide. Bank division closed by HSBC. Unit Manager (North Region) - Mortgage Services, Acquisitions - Bulk Underwriting Oversaw on-boarding, training, and supervision of eight national Team Lead Underwriters managing regional clients, sales staff, and budget. Reviewed loans determining credit worthiness, appropriate collateralization, and compliance with company policies, products, and pricing matrices, as well as, all Federal and State regulations. Prepared and submitted daily reports addressing areas or trends of concerns, recommending approval or declination for acquisition in pools of loans ranging from multi-million dollar pools to smaller pools of $5M or less. Served as Managing Team Lead for larger volume clients and 50 permanent and contractual employees, while on larger loan acquisition pools of loans for securitization by bank. Served as primary contact for larger volume sellers and created and delivered training materials and presentations for clients on products, product changes, current or new underwriting guidelines.


VICKI AMARO Page 3 HSBC Cont Achievements: Garnered prestigious Long-Term Achievement Award for stellar demonstration of skills, as well as, being recognized with Outstanding Performance Reviews two years in a row Chosen to transfer to sister company at final division closure as Level III Underwriter, one of only five to be kept on throughout closures and cutbacks. WASHINGTON MUTUAL BANK (WAMU), Jacksonville, Florida 6/2004 12/2004 Consumer loan provider. Manager - Consumer Risk Oversight Transaction Review Team Start Up Division Handled daily operations, while providing leadership and expertise to nine Consumer Risk Oversight Post Closing Underwriters engaged in post review of more than 240 different loan programs. Achievements: Ensured accuracy and efficiency by providing skill enhancement for direct reports through goal-setting, delegation, training, counseling, and performance management developing solid team responsible for 10% of monthly pipeline closures. Consistently met and exceed set goals through implementation of monthly staff production and quality goals. THE CLAYTON GROUP, Shelton, Connecticut 3/2003 6/2004 Contract company for multiple facets of financial, banking and investor consulting services. Project Manager and Team Lead Underwriting (Bulk Acquisition, Special Projects, and Legal Reviews) Managed Contractual Underwriters performing final review of underwritten loans ensuring compliance with pricing, policies, credit, collateral, equity, overall risk level, and Federal and State regulations. Prepared and submitted daily reporting requirements, handled remote and direct site set-ups and final closure / exit process. Achievements: Plucked to serve as Project Manager / Team Lead on long-term legal review mandated by Federal and State Regulators, collaborating with client legal division and training 75+ underwriters from 3 different contracting companies with underwriters on Legal Audit, and driving full audit completion. Chosen as Project Manager / Team Lead for long-term assignment with large key clients overseeing 25-30 Underwriters. Selected by Senior Management to be Team Lead on multiple Special Projects, due to diverse skill set and ability to adapt easily in any environment.

CAREER NOTE: Additional experience includes roles as President / Owner, MYSTIKAL MORTGAGE GROUP, INC., Account Executive, PARKWAY MORTGAGE, INC, Vice President of Operations, ALPHA MORTGAGE BANKERS, Senior Loan Originator, RESIDENTIAL FUNDING GROUP, Loan Specialist State of Louisiana, HUD (USDA), FARMERS HOME ADMINISTRATION RCDS. Details available upon request.

CERTIFICATIONS Accounting I, II, III Alexandria Vo-Tech College Alexandria, Louisiana TECHNICAL SKILLS Microsoft Office Suite Horizon Point / Calyx Laser Pro PROFESSIONL ORGANIZATIONS / AFFILIATIONS Commercial Loan and Origination Group Association of Certified Financial Crimes Specialists Bank Managers Group