Clayton W. MacCormac has over 30 years of experience in mortgage banking, loan servicing, and financial analysis. He has extensive experience with various loan servicing software and a variety of loan types, including FHA, VA, FHLMC, FNMA, and GNMA loans. Most recently, he worked as a HUD REO QC Specialist, where he performed quality control reviews of appraisals and loan documentation. He also has experience reconciling accounts, preparing reports, and directly servicing multifamily loans. MacCormac holds a B.S. in Business from North Carolina State University.

1. CLAYTON W.MACCORMAC
Computer
Experience
Cloud; Internet; WindowsServer 2008; 2003, MS Windows 10; 8; 7; XP & 2000 O/S & All Office
suites: Excel, Word, Publisher, PowerPoint, FrontPage, Access, Project, Visio, Outlook, DOS;
Fidelity MSP, Passport, Navigator, Powerview; Crystal Reports; AllRegs; Microfiche; LSAMS;
SBO 2000; AS400; PACER; Adobe Photoshop; Corel WordPerfect; Novell GroupWise;
Intermediate Networking: building systems, installation, network setup, Backup, Citrix
GoToMeeting, VPN, servers, printers, switches, routers, firewalls, system security, HTML
Licenses  LicensedNorthCarolina RealEstate Broker andRealtor – License# 221855
 HUD Yardi P260Contractor Access– P260 # C56094
Honors &
Activities
Mortgage BankersAssociation of the Carolinas; Manufactured Housing Institute of North
Carolina; BusinessProcess Management Institute National Member; Golden Key National Honor
Society Lifetime Member; International Who’sWho of Professional Management, 1999; Who’s
Who in American Business – Millennium Edition, 2000; NCSU Wolfpack Club; NCSU Alumni
Association; Who’sWho Among Studentsin American Junior Colleges, 1991.
Education 1995–1999 North Carolina State University Raleigh, NC
 B.S., Education,concentration inMarketing,Accounting,andFinance. Minor in BusinessManagement
 GraduatedCum Laude– 3.30 GPA
1990–1993 Bucks County Community College Newtown, PA
 A.A., BusinessAdministration
 GraduatedCum Laude– 3.26 GPA
Experience October 2005–January 2016 Ofori & Associates, PC Raleigh, NC
HUD REO QC Specialist/Information Manager
 Provide QualityControl support for HUD Management & Marketing (M&M) contracts for Atlanta & Philadelphia
HOC’s.
 Run weekly P260 Case Inventory reports to provide a sampling population for Quality Control review.
 Review for required informationto be presenton Step6 Appraisals Ordered; Step 6 45 day reports; Step 6 MLS
Tear sheet reports; Step 7 Bidding reports; Step 7 7 day reports & Step 8 Contract Execution reports.
 Perform weeklyQC reviews ofprimarilyAreas 2P & 3P reviewing appraisals & MLS Tear sheets for discrepancies
& reportto QC AssetManager andQC Director findings for staffto obtain corrections from appraisers & agents.
 Perform AppraisalCompliancereviewandprovideanyotherad hocreports needed,creatingExcel spreadsheets
and researching; reviewing & documenting any discrepancies.
 Complete DepartmentofTreasuryreferrals on GNMAManufacturedHousing portfolio, interfacing with FedDebt
system.
 Research, document, prepare, and submit HUD Title I Claims on a portfolio of 4,500+ GNMA loans.
 Respond to customer disputes received from the U.S.Department of Treasury Financial Management Service
division and the HUD Board of Contract Appeals related to Ginnie Mae debtors.
 Perform allduties ofSystemsAdministrator:includingmonth-end FidelityMSP,Passport,and Crystal Reports for
Accounting, Default,and AssetManagement. Provideandadminister daily Windows Server 2003 and Fidelity
MSP system and network support for 13 onsite employees, including security and system maintenance.
 Create and run queries via the Passport module in Fidelity MSP system and maintain Access database.
 Regular interaction and reconciliation with the GNMA MBS Monitoring Division.
 Contributeto the RFP process for contracting opportunities and market our services to prospective clients.
4517 Briarglen Lane
Holly Springs, NC 27540-9264
919-557-7797 or 919-889-0777
Clay @Clay Mac.com

2. CLAYTONW.MACCORMAC Page2
Experience May 2000–October 2005 Lockheed Martin / ACS / CDSI Raleigh, NC & Richmond, VA
Senior Financial Analyst/Systems Administrator
 Research, document, prepare, and submit HUD Title I Claims on a portfolio of 5,500+ GNMA loans.
 Complete Department of Treasury referrals on GNMA Manufactured Housing portfolio.
 Respond to customer disputes received from the U.S.Department of Treasury Financial Management Service
division and the HUD Board of Contract Appeals related to Ginnie Mae debtors.
 Market our services to prospective clients and assist Senior Management with special projects.
 Perform all duties of Systems Administrator: including month-end MSP, Passport, and Crystal Reports for
Accounting, Default, and Asset Management. Provide daily network support for 20 onsite employees.
 Develop, create, and deliver PowerPoint presentations to prospective clients.
 Perform daily Client Relationship Management involving GNMA and LM contract administration.
 Ensure that Loss Mitigation and Risk Management techniques are in place to lower delinquency ratios.
 Perform data mining for consumer credit reporting to the three major credit bureaus.
 Prepared revenue and resource forecasting reports for ongoing projects and RFP’s.
 Monitor/Master Servicer of a portfolio of over 50,000 VA Vendee mortgages with balances of $2 billion.
 Completed Quality Control reviews, comprehensive audit, and daily oversight of subcontractor objectives.
 Provided daily activity and status reports to Senior Management regarding subcontractor’s performance.
 Advertised, interviewed, hired, coached, and trained new employees.
 Set priorities, controlled workflow and directed staff of fifteen employees assigned to subcontractor.
 Empowered and authorized to approve daily ACH of over $1 million, for our Fortune 100 Company.
 Examined and reviewed bank reconciliation’s to ensure that all custodial accounts are properly funded.
 Reviewed reconciliation of LSAMS to Treasury, Central Disbursement, and Escrow Disbursement.
 Analyzed, prepared, and presented SBA subordination proposals to executive loan committee.
1994–1999 North Carolina Housing Finance Agency Raleigh, NC
Mortgage Servicing Accountant
 Reconciled subledger and general ledger to monthly bank statements.
 Assisted Director of Finance and Controller with special projects.
 Prepared and reconciled balance confirmations for external auditors.
 Directly serviced eighteen multifamily loans including A/P for taxes & insurance.
 Performed annual escrow analysis and various investor accounting functions.
 Prepared A/R invoices sent to projects for payments and any applicable fees.
 Report on pool insurance, subsidy, buydown, HILP, HUD, VA and other Federal loans.
 Conducted cash flow analysis and operational reports on bond resolutions.
Experience March 1994–May 2000 North Carolina Housing Finance Agency Raleigh, NC
Mortgage Servicing Accountant - Finance
 Reconciled subledger and general ledger to monthly bank statements.
 Prepared and reconciled balance confirmations for external auditors.
 Directly serviced eighteen multifamily loans including A/P for T&I and reconciled replacement reserves.
 Performed annual escrow analysis and various investor accounting functions.
 Prepared A/R invoices sent to projects for payments and any applicable fees.
 Reported on pool insurance, subsidy, buydown, HILP, HUD, VA, and other Federal loans.
March 1991–March 1994 3rd Federal Bank (now National Penn) Newtown, PA
Mortgage Servicing Assistant Manager – Loan Servicing
 Managed a portfolio of 5,500 Single Family Mortgages with a balance of $500 million.
 Supervised and trained three employees and reviewed their daily work.
 Handled origination, payoff, tax, insurance, and customer service issues.
 Monitored delinquencies, bankruptcies, foreclosures, and REO loans.
 Completed monthly delinquency status update reports for VA, FHA, FHLMC, FNMA, and GNMA.
September 1986–March 1991 Horizon Financial, FSB Huntingdon Valley, PA
Mortgage Servicing Collector – Loan Servicing
 Serviced defaults in a portfolio of 27,500 SF, MF, Commercial & Subprime loans with UPB of $2+ billion.
 Performed all collection activities on VA, FHA, FHLMC, FNMA, GNMA, Conventional, and investor loans.
 Daily contact and face-to-face meetings with attorneys to follow up on foreclosure and bankruptcy cases.
 Awarded top collector position multiple times, by lowering delinquency ratio to below 1.5%.
 Completed monthly Federal Home Loan Bank delinquency report for Assistant Vice President.