Howard Gomer has over 25 years of experience in mortgage operations management at Bank of America, including roles managing mortgage servicing, fulfillment, and closing units. He has a proven track record of building and motivating teams, designing quality assurance processes, and resolving large audit issues. Gomer holds a BS in Accounting and is Six Sigma Green Belt certified.

1. HOWARD I. GOMER
howard.i.gomer@gmail.com 954-608-
9759
PROFILE
Diversified mortgage operations manager with broad knowledge of first and second mortgage fulfillment.
Experienced in both internal and external credit risk, audit, and compliance administration. Proven leader in
building, developing, and motivating productive and successful teams. Six Sigma certified. Analytical and critical
thinker with ability to improve and enhance business units.
KEY COMPETANCIES
Leadership Process design Reporting and analytics
Compliance Credit risk Governmental regulations
Customer satisfaction Communication Relationship building
Motivating others Problem resolution Quality control
Coaching Employee development Mortgage processing
CAREER HISTORY AND ACCOMPLISHMENTS
BANK OF AMERICA N.A., Charlotte, NC 1991 - 2015
Vice President, Mortgage Servicing Unit Manager II
Default Servicing Group, Jacksonville, FL 2011 - 2015
Directed multiple default servicing processes including Mortgage Modification implementation, Quality Control
and Assurance, Adverse Action notifications, and FHA Partial Claim and Incentive Filing department. Oversaw
160 full time permanent and contract associates in Florida, Texas and Colorado.
• Resolved two of the largest Default Servicing Self Identified Audit Issue projects meeting 2013 -2014
deadlines. Worked directly with the Department of Housing and Urban Development (HUD) to develop an
assignment of mortgage and lien release processes correcting 1700 erroneous duplicative second mortgages.
Included a refund process culminating in $4.8M refunded to HUD. Additionally resolved 1200 second
mortgages requiring a service transfer from HUD to Bank of America.
• Designed the initial Quality Assurance department to meet the guidelines of internal Risk, Compliance, and
Audit departments while in turn meeting the requirements of external federal regulators.
• Redesigned and enhanced the FHA Partial Claim and modification incentive filing department to meet the
requirements of FHA Mortgagee letter 13-19. Achieved a 99.8% filing success rate during 2015 resulting in
bank earned incentive in excess of $14M.
• Implemented the successful creation of SharePoint 2010 sites while collaborating closely with technology
developers. Increased productivity by 40% for Quality Assurance while reducing the human error rate by
18%. Effectively enhanced reporting, tracking, and management routines for Partial Claim department and
reduced errors by over 60% on a dollar basis.
Vice President, Mortgage Fulfillment Unit Leader
Retail Mortgage Division, Jacksonville, FL 2004 – 2011
Led multiple functions within First Mortgage Fulfillment including the FHA, VA, Conventional, and Bond closing
units; FHA Deficiency Resolution department, RESPA and HMDA reporting, Loan Registration, Appraisal and
Flood Disclosure mailing and Loan Pricing. Managed 4 direct reports with a total staff of 68.
• Built and maintained strong relationships with sales executives and customer facing sales staff creating a
synergistic partnership with the fulfillment center which increased productivity and distinguished customer
service.
• Enhanced team member morale and reduced associate turnover by utilizing a “leading by example approach”
which drove increased productivity and associate job satisfaction.
• Mentored and educated associates to expand their business acumen resulting in numerous promotions and
management opportunities.
Vice President, Mortgage Closing Manager

2. First Mortgage Fulfillment, Miramar, FL 2002 – 2004
Directed multi-site Conventional, FHA, VA, and Bond closing department for the Southeast and Midwest United
States regions.
• Achieved 84% top tier customer satisfaction score which was highest among all sites nationwide by
developing and implementing a loan center vs. sales office initiated scheduling routine with customer and
closing agent. Reduced non-productive redraw work from 23% to 5%.
• Coordinated Purchase Money and Refinance settlements in excess of 5000 mortgages per month.
Assistant Vice President, Team Manager
Home Equity Division, Hallandale, FL 1997 – 2002
Hired into management to lead a Home Equity Line of Credit Underwriting team. Promoted to Vice President in
1998 with an expanded management scope including second mortgage loan processing, an inbound call center
team, and the closing rework department.
• Achieved an 8 second average call answer time with an abandonment rate of only 2.5%.
• Developed training and oversaw multiple transitions to new technology systems during the Barnett Bank to
Nations Bank to Bank of America transitions.
• Worked as key participant on the loan center panel interview team expanding the staff by 67% between 1998
and 2001 from 225 to 375 associates.
Assistant Vice President, Loan Officer - Underwriter
Consumer Lending, Riviera Beach, FL 1995 - 1997
Underwrote and processed Home Equity, Automobile, Boat, Stock, Certificate of Deposit, and Unsecured loan
requests directly from existing bank customers and potential new customers.
• Initiated loan applications, analyzed information and credit, sold insurance products, documented customer
files and scheduled closings.
• Achieved 48% Credit Life and Disability sales on entire loan portfolio.
• Maintained high interest rate spread for bank profitability with a minimal delinquency and default rate.
• Demonstrated excellent customer service skills receiving highest customer satisfaction award four times.
RELATED EXPERIENCE
Entered banking industry as a Collection Agent on delinquent loans. Promoted to Collector II working on difficult
loans in bankruptcy. Progressed to Asset Disposition Associate in Dealer Financial Services earning Officer
designation. Loan Analyst in the Home Equity Division prior to promotion to Assistant Vice President, Loan
Officer.
EDUCATION
BS Accounting, Jacksonville University – Jacksonville, FL
Six Sigma Green Belt certified – Bank of America