David Zwieback has over 30 years of experience in mortgage banking and loan servicing, including extensive experience managing various departments and analyzing loan portfolios. He is proficient in areas like credit, fraud, compliance, loan modifications, and bankruptcy. He has worked at several financial institutions like US Bank and Citadel Servicing, where he developed reports, ensured regulatory compliance, and supervised teams. Currently he works at US Bank as a Control Report Monitor, where he analyzes portfolios and develops processes to identify active military personnel.

1. David Zwieback
235 Lower Cliff Dr.
Laguna Beach, CA 92651
(949) 943-2543
zwieback@cox.net
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PERSONAL PROFILE
Accomplished Loan Servicing Manager and Business Analyst with extensive experience in all
facets of mortgage banking. Proficient in credit, fraud, root cause, compliance, account
receivables, loss mitigation, bankruptcy, foreclosure and the collection of debt within the
mortgage industry.
SKILLS
• Advanced knowledge of Microsoft Office, Excel, Outlook, Power Point, Access
• Advanced knowledge of report writing software, i.e. Business Objects, SQL and Crystal
Xcelsius
• Use of several types of Credit and Collections systems
• Loan Servicing Platforms such as LPS/MSP, LoanBase (Fox Pro) and DataTrac (SQL).
• Knowledge of all federal compliance laws such as RESPA, Reg Z, Reg X and FDCPA
• Working knowledge of all facets of mortgage lending from sales and origination to servicing
and secondary marketing
EXPERIENCE
US Bank / Irvine, CA
December 2014 – Present
SCRA Department – Control Report Monitor
● Developed daily reporting for SCRA Management team to track active military pipeline and
department performance trends.
● Collaborated with SCRA management and internal legal counsel to develop and supply
reporting populations that were used in clearing the CAS and OCC findings for the SCRA
department.
● Analyzed portfolio of 2.7 million records and developed processes to identify all active military
personnel.
● Assisted in developing and implementing automated processes to perform data sweeps to
ensure the integrity of data.
● Performed all quarterly metric validations and annual report audits.
US Bank / Irvine, CA
June 2012 – December 2014
Bankruptcy Project Analyst Manager
● Manage and run all operational reports to include monthly reporting on the executive report.
● Collaborated with Data Services to create payment analysis tool for bankruptcy payments in
order to accurately reconcile and post payment to MSP.
● Managed project team to create and implement processes to review mortgage portfolio for
new bankruptcy filings and bankruptcy statuses utilizing the vendor AACER.
● Worked with consulting vendors Promontory and Bridge Force to identify out of compliance
issues within processes and reporting to determine root cause and make corrective
recommendations to management.

2. US Bank / Irvine, CA
June 2011 – June 2012
Project Analyst – RUST Project
● Collaborated with executive management and auditors to organized, plan and carry out the
Internal Audit functions that included the preparation of an audit plan that completes the duties of
each department, assigning work, scheduling and estimating resource needs as well as
implementing the necessary changes.
● Collaborated with Data Governance and Technology to develop and implement audit tools
used in the RUST audit project.
● Developed and maintained daily, weekly and monthly reporting for Executive management to
track audit key performance levels and trends.
US Bank / Irvine, CA
September 2010 – June 2011
Assistant Manager Foreclosure and Bankruptcy
● Manage all Operational and Production tasks of the foreclosure and bankruptcy departments
overseeing a team of 18 processors.
● Developed Reports to allow better management of our progression of penetration into our
portfolios. This allowed me to monitor where we were in process of our foreclosure actions and
bankruptcy timelines. This also allowed us to monitor our vendor performances to ensure they
were compliant and meeting the projected timelines.
● Worked directly with LPS and CoreLogic Mapping our foreclosure workstation and servicing
system to VendorScape as we migrated our foreclosure processes to allow U.S. Bank to better
manage the foreclosure loans.
US Bank / Irvine, CA
May 2009 – September 2010
Assistant Manager Default Resolution
● Manage all Operational and Production tasks of the Loss Mitigation department involving Short
Sales, Deed in Lieu, Repayment Plans and FHA loan modification programs.
● Manage all Operational and Production tasks of the Loss Mitigation department involving Short
Sales, Deed in Lieu, Repayment Plans and FHA loan modification programs.
• Worked directly with LPS Mapping our prior cash management and servicing system DRI to
MSP during our system integration as we migrated our data to allow U.S. Bank to better manage
these loans as our previous servicing system was deficient in holding all of the material data
information needed to effectively servicing our mortgage loans under HAMP/HAFA/HAUP.
• This position also required a significant amount of Internal Audit responsibilities as I continually
monitored our processes and procedures to ensure we were meeting our timelines. It also
allowed us to monitor our department level costs and work with our vendors to reduce these costs
where possible. I also created reporting structures that would allow us to manage our procedures
and monitor for work gaps to ensure goals and productivity was being maintained by all
associates.
Citadel Servicing/ Aliso Viejo, CA
May 2007 – May 2009
Servicing Manager/Business Analyst
• Created all reporting for loan servicing including performance reporting for Collections,
Customer Service, Loss Mitigation and Secondary marketing.
● Supervised all operational & production tasks involving our servicing department.
These responsibilities included Service Transfers, Cashiering/Payment Processing,
Collections, Foreclosure, Loss mitigation, Bankruptcy & Investor accounting. This
required direct supervision of our servicing staff of approximately 8 associates and
ensuring we were compliant with all servicing regulations. Reviewed collection

3. activity and developed collection strategies thru direct communication with our
associates to ensure minimal loss exposure. Additional duties also included the
managing of our Sub-Servicing company and ensuring that these same collection
strategies were maintained.
MILA, Inc. / Mountlake Terrace, WA
November 2001 – May 2007
Servicing Manager
• Managed all operational & production tasks involving our servicing department.
• My department’s responsibilities included Service Transfers, Cashiering/Payment Processing,
Collections, Foreclosure, Loss mitigation, Bankruptcy & Investor accounting. This required direct
supervision of our servicing staff of approximately 30 associates and team leads ensuring we
were compliant with all lending and servicing regulations.
• Collaborated with Executive Management to develop, generate and maintain portfolio and
department performance trend and delinquency reports.
• Developed and analyzed business process flows.
• Developed ad-hoc analyst of future strategic, capital and other opportunities within mortgage
risk.
• Worked with Risk Management to develop and setup analytical business reports in order to
track trends to ensure minimal loss exposure.
Life Bank / Riverside, CA
June 1995 – October 2001
Supervisor
• Supervised the collection of 1st and 2nd
, sub-prime mortgages.
• Supervised the Foreclosure, Bankruptcy, REO, and Workout Departments.
• Investigated fraud within mortgage submission.
• Worked with law enforcement and local agencies.
• Assisted with writing Policy and Procedures, Flow Charts, and Job Descriptions.
House of Tailoring, Master Tailoring / Orange County, CA
June 1983 – June 1994
Self Employed Sole Proprietor
• Owned and managed multiple custom clothier and tailor shops with a staff of 86 employees.
Military Service / Israeli Army
June 1979 – June 1982
EDUCATION
Participated in and completed seminars, workshops, on-the-job training, self study and classroom
instruction in: Bankruptcy, Foreclosure, Fraud, Compliance, Business Analysis, Project
Management and Loan Servicing platforms.