This document summarizes the career experience of a financial services professional seeking a senior management role in mortgage banking or operations management. They have over 20 years of experience in mortgage compliance, servicing, operations consulting, and default/loss mitigation. Their most recent role was as Compliance Officer and HR Officer for a mortgage company where they expanded operations into new states and branches.

1. Seeking senior management level opportunity in mortgage banking or financial services
in Operations Management or Servicing with a growth oriented company.
TJC MORTGAGE, INC. Nov. 2014 – PRESENT
COMPLIANCE OFFICER/ HUMAN RESOURCES OFFICER
Senior level officer responsible for all federal and state regulatory compliance for this
privately owned mortgage company. Compliance includes SAFE Act compliance (Secure
and Fair Enforcement for Mortgage Licensing) to ensure company and loan officers are
license compliant and all state annual reporting is completed through NMLS
(Nationwide Mortgage Licensing System). Lead and coordinate expansion efforts
through necessary business filings at state level and through NMLS. Provide compliance
training company wide. Manage loan audit and quality control process including
performance of loan level audits to ensure compliance with regulatory and agency
requirements. Responsible for performance of Human Resource duties including
interviewing, recruiting, new hire processing, employee handbook, enforcement of
internal policies including counseling and HR tasks related to employment status.
• Doubled locations and branches through controlled planning and business
development plan expanding into 3 new states, and opening of 2 additional
branches.
• Set up quality control plan and vendor relationship to perform QC to prepare for
compliance with HUD and FNMA requirements.
• Assisted in preparation of business plans and organizing procedures and
guidelines to qualify for HUD Title II approval.
OJEDA BUSINESS CONSULTING FEB 2014 – OCT. 2014
MORTGAGE BANKING CONSULTANT
Mortgage servicing and operations consulting service provider that addresses
operational risk to ensure compliance with expanding regulatory environment. Review
of system utilization and operational process flow through gap analysis to identify and
remedy deficiencies in order to promote optimal operating efficiency. Seasoned
financial services and mortgage banking experience provide a high level of knowledge
and expertise to clients.
• Evaluated and developed controls testing of risk issues in sub - servicing
operation of JP Morgan Chase Mortgage, including creation of Control Testing
templates and Testing Questions template for Control and Risk Management
team to utilize to ensure compliance with regulatory requirements and internal
policy.
Jorge M. Ojeda
3216 Trace Way  Trussville, AL 35173
JOJEDA58@GMAIL.COM  (205) 907-7783
PROFESSIONAL
EXPERIENCE
OBJECTIVE
OBJECTIVE

2. BLACK KNIGHT FINANCIAL SERVICES| JACKSONVILLE, FL FEB 2010 to JAN 2014
SR. MORTGAGE BANKING CONSULTANT – SERVICING AND DEFAULT
Conducted consulting engagements with multi-million dollar mortgage banking clients
to evaluate their utilization of our proprietary mortgage technology to provide support
for process re-engineering, loan utilization review and other critical servicing solutions.
Analyzed business needs for system upgrade sales opportunities recommendations to
client. Follow through with C-level management to present and sell upgrade.
Participated as business analyst of one of largest loan portfolio conversion
consolidations. Re-engineered process flow and system utilization for one of largest
banks in Puerto Rico resulting in system upgrades sales and training service sales.
Provided servicing and default expertise internally to Risk Management and Compliance
group while working on Federal Reserve Consent order resulting in large reduction of
exposure to penalties and fines.
• Managed and implemented combining two mortgage portfolios into one
portfolio of 1.7 million mortgage loans totaling $312 billion ahead of the
targeted 12 month conversion window for JP Morgan Chase Mortgage.
• Re-engineered the Default areas of Doral Bank in Puerto Rico resulting in 78
updated process changes, cross selling upgrades to system functionality and
training producing $50k+ additional project revenue.
• Managed two business units to review robo-signing as ordered by Federal
Reserve, and eliminated estimated $30+ million in penalties.
• Reviewed Wells Fargo short sale process resulting in savings estimated at
$150,000 annually through streamline process that removed duplicity and job
overlap.
NEW SOUTH FEDERAL SAVINGS BANK | BIRMINGHAM, AL 2001 –
2009
MORTGAGE SERVICING OFFICER - VICE PRESIDENT (LOSS MITIGATION)
Managed the Loss Mitigation area of Servicing for this $1.8 billion asset bank to create
and manage solutions to prevent foreclosure to mitigate losses resulting from growing
REO portfolio and to retain customers with current accounts for refinance prospects.
Created and implemented modification program that created a 45% increase of
loans/borrowers being reviewed for Loss Mitigation and prevented from foreclosing.
• Implemented interest rate reduction modification which produced a 28%
increase in borrowers qualifying for modifications.
• Evaluated and updated process flow to reduce Loss Mitigation modification
closing time from 2+ months to 30 days or less.
LOAN PRODUCTION OFFICER - SENIOR VICE PRESIDENT (INTERNATIONAL MORTGAGE LENDING)
Managed start up international lending program providing financing of Mexico resort
properties to US borrowers.
MORTGAGE SERVICING OFFICER - VICE PRESIDENT (DEFAULT MANAGEMENT)
Directed seasoned collectors in collection of distressed portfolio of mortgage loans
acquired from online lending operation and Conventional portfolio of loans resulting in

3. increased home retention and re-development of customer base that became potential
refinance clients.
NORWEST HOME IMPROVEMENT, INC. I CONCORD, CA 1994 – 2001
Hired to manage corporate change and expansion to move post-closing operations from
Houston, TX location to new corporate location in Birmingham, AL for this multi-million
dollar home improvement lending company. Managed post-closing departments
including loan audit, file management, document control, and loan delivery in
coordination with loan production teams, legal counsel, and servicer to create audit
process and refine loan delivery process to improve product quality and delivery
timeline.
CONSULTANT, BIRMINGHAM, AL
Retained as consultant by Wells Fargo to facilitate the transfer of the Birmingham, AL
operations to Des Moines, IA after Wells Fargo Home Equity group acquisition of NHII
operations, and assisted in the transfer of ongoing administrative duties and
responsibilities to Concord, CA. Planned and implemented successful transition
framework to outline operational areas of responsibility, work status in each area, and
transfer process to Chief Administrative Officer and Chief Financial Officer. Provided
ongoing legal compliance and audit issue review nationally for NHII to provide to Wells
Fargo.
VICE PRESIDENT OF PRODUCTION ADMINISTRATION/COMPLIANCE OFFICER, BIRMINGHAM, AL
Promoted to position to lead the quality improvement effort for our regional Service
Centers (Dallas and Atlanta). Trained and directed the activities of 8 quality
control/audit specialists resulting in major improvements to loan quality. Appointed key
liaison with Servicing operations resulting in effective dialogue and prompt resolution of
operating issues with our servicer
PRODUCTION ADMINISTRATION MANAGER
Responsible for developing a Post-Closing division of a relatively new home
improvement/mortgage lending company from the ground up. Supervised post-closing
File Flow including File Processing, Loan Set Up, Audit, Loan Delivery, Quality Control
Audit, and Dealer Monitoring.
Various management positions with Financial Institutions prior.
Bachelor of Science –Business Administration
University of Maryland, College Park, MD
 Professional Training : Financial Analysis for Non-Accounting Staff; Organization
of Work Flow; Work Flow Analysis; How to Motivate Employees; Emerging
Leadership Training
Languages: English” “financial services” professional management develop manage operations operating default servicing colle
EDUCATION,
TRAINING AND
AFFILIATIONS