The document provides a summary of Ann C. Tlachac's background and experience in the mortgage and banking industry spanning over 15 years. It highlights her expertise in various areas including employee management, credit policy, financial analysis, regulatory compliance, and customer relations. Specifically, it summarizes her most recent role as Senior Vice President and Channel Chief Underwriter at CitiMortgage where she managed credit operations and underwriting teams across multiple business units. It also lists her previous experience as a Branch Manager and Underwriter at American General Finance.

1. ANN C. TLACHAC
ann.tlachac@gmail.com
29110 Lake Park Dr.
Farmington Hills, MI 48334
248-752-0144
BACKGROUND Senior level manager in the mortgage and banking industry with over 15 years experience
encompassing all aspects ofbusiness management and development. Expertise in Employee
selection, management, training, leadership development, and talent assessment; Credit policy
interpretation, training, gap analysis, and approval; Financial and portfolio analysis, inventory
recovery, and salability; Fair Lending, Regulatory, and Compliance; Auditing; Fraud
management; Project Management; Problem resolution; Internal and external customer relations
and development. An adaptable, self-motivated, and thorough individual with the ability to learn
new information quickly in order to facilitate a company’s operations,quality, and growth.
EXPERIENCE Senior Vice President, Channel Chief Underwriter
8/98 – 12/15 CitiMortgage,Inc., Ann Arbor, MI
Managed the credit culture of Retail First Mortgage channels and one vendorlocated in five sites
across the U.S.: CBNA, Direct to Consumer, Government, Corporate, Employee, Relationship,
High Net Worth,and Community/Bond Lending which included up to 40 Risk Management staff
and 520 Underwriters. Reviewed transactions over$2 Mil and level 5 exception transactions.
Trained and supported the Deputy Chiefs and Risk Managers,and Underwriters on Credit Policy,
Processes,QC/UPR results, etc. Monitored mentoring of Underwriters. Oversaw Operational
procedures in meeting goals while maintaining credit quality. Recommended new and updated
credit policy and procedures,as well as operational controls. Initiated several quality and policy
clarification procedures.Assist in projects as SME as well as participate in ARR, OCC, FNMA,
FHLMC, MI and other audit reviews.
Notable achievements:
 Restructured portfolio review and approval process,saving approximately $1 Million per
month in portfolio placement.
 Improved high dollar and exception level review and decision turntimes from 72 hours to
99% within 48 hours and 96% within 24 hours.
 Developed robust tracking of Underwriter quality results including reviews for Underwriter
performance, pre-close quality review, post-close quality assurance,MI reviews, and portfolio
placement reviews.
 Maintained an average of 97% Underwriter Performance Quality for several years and
reduced Credit QC rate by more than 50%.
 Initiated a HARP streamlined underwriting process and training, allowing new, junior
underwriters to successfully obtain signature authority and producing HARP decisions within
3 weeks and maintaining over 98% quality.
 Cultivated internal relationships and improved those among Sales, Underwriting, and Credit
Policy while increasing Sales’ knowledge of credit policy and increasing Underwriters’
awareness of the application process.
 Assisted in Regulatory, Internal, Compliance, and Investoraudits as departmental and QM
(Qualified Mortgage) SME (Subject Matter Expert) in quality, ATR (Ability to Repay) , and
Appendix Q.
Personal achievements:
 Recipient of several Star Player, Leadership, and Quality Excellence awards.
 Recognized as part of the team with the most integrity within Citi.
 Received a personal, congratulatory email for an excellent review from Jane Fraser, one of
Fortune’s Top Women in Business and American Banker’s No.1 Women to Watch.
 Member of High Potential employee list for several consecutive years,during which advanced
training was provided in anticipation of promotions to the next level.
 Public and panel speaker, interviewer, and recruiter at the Ross School of Business,
University of MI in Ann Arbor, on several topics for MBA candidates,including Women in
Leadership, General Management, and Credit and Portfolio Analysis.
 Maintained highly effective performance evaluations for over 12 years.

2. 11/92 – 12/97 Branch Manager / Underwriter
American General Finance, Inc. Urbana & Mattoon IL, St. Louis MO
Supervised all aspects of a full service branch including lending, collecting, employee
management and training, interviewing, business development,retail sourcing, and report analysis.
Decisioned 1st and 2nd mortgages on B through D quality paper and ‘high risk’ installment loans
(subprime). Structured loan packages to meet customer’s needs and branch profitability
expectations. Assisted state and company auditors with branch reviews. Experience emphasized
strong sales,communication, and problem-solving abilities.
 Analyzed information and identified causes for profit loss.Implemented programs to increase
growth and sales which resulted in increased NOI from 9% to 16% and reduced delinquency
from 5.7% to 3.0%.
 Achieved ‘excellent’ rating from Regulatory Auditors in detail, documentation, and disclosure
in lending.
EDUCATION University of Wisconsin, Madison
Bachelor of Science in Business Economics 1992
Graduate of Model-Netics 1995
DE UW 2007
Power of One training and mentor 2014-2015
LOCATION Open to relocation