罗伯特。 is 可用 租用
雇佣 罗伯特。罗伯特J. 史密斯
验证专家 in 金融
金融专家
位置
亚特兰大，佐治亚州，美国
至今成员总数
2018年12月12日
A seasoned finance professional and 注册会计师, Bob has executed diligence, valuation and M&A mandates while serving in senior roles at Fortune 500 companies (Merrill Lynch, 收购PHH, 发现, 纽约梅隆银行). 他是一名金融家。, 战略和运营专家, 谁采用协作的方法来平衡客户, 监管和财务目标. Bob is freelancing to help growth companies build financial infrastructure and reach their full potential.
职业生涯突出
执行副总裁，企业发展
实质事项(TSE: Real)
按揭业务主管
纽约梅隆银行，N.A. (纽约证券交易所:BK)
发现房屋贷款公司总裁
发现金融服务(纽约证券交易所代码:DFS)
教育强调
学士学位
新罕布什尔大学
认证了
注册会计师
美国注册会计师协会
工作经验
董事会
2016年至今
AS直接按揭资本
- Developed the operating infrastructure for the Eastern European launch using acquired technology platforms and other intellectual property.
- Constructed financing vehicle (similar to a covered bond) for newly originated mortgage loans which will lower the cost of funds by over 500 basis points. 正式发售将于2019年第一季度推出.
- 支持首席执行官的筹款和资本筹集计划.
重点领域:住房贷款, 消费贷款, Fintech, 私募股权估值, 私人公司估值, 贷款, 消费信贷, Pitch Deck顾问, 房地产, 会计
执行副总裁，企业发展
2019 - 2022
实质事项(TSE: Real)
- 创建了美国战略的形成和表述.S. 以及加拿大的企业.
- 执行M&A和战略合作伙伴关系，包括产权合资企业.
- Communicated updates and presentation materials with the board regularly.
重点领域:&A(买方)，M&A建模，M&A盈利能力协议, 球场上甲板, 房地产, 抵押贷款, 经济适用房, 住宅地产
总统
2017 - 2018
美国储蓄抵押贷款公司
- Operated a multi-channel mortgage platform with 450 employees across four operating locations.
- Architected the strategic transformation of the platform to better support purchase-money mortgage loans. This included process re-engineering, KPI and milestone redefinition, and alignment of incentives.
- 将购买贷款占总业务的比例从20%提高到35%, 当整个市场从再融资转向.
重点领域:P&L预测、利润 & 损失(P&L), 金融建模, 贷款发放, 操作财务, Fintech, 房屋贷款, 市场营销, 贷款, 消费贷款, 消费信贷, 财务规划 & 分析(FP&A), 定价策略, 抵押贷款, Three-statement建模, 房地产, 经济适用房, 住宅地产, 政府资助企业(GSE)
按揭业务主管
2015 - 2017
纽约梅隆银行，N.A. (纽约证券交易所:BK)
- Led national retail origination and servicing activities across multiple locations, 在私人银行抵押贷款组合中实现35%的复合年增长率.
- Built a correspondent channel within private banking to accelerate portfolio growth and promote cross-sell opportunities for wealth management.
- Worked with the treasury team to develop alternative funding strategies, 包括银行间参与, 美联储BIC计划, 联邦住房贷款银行会员, 二级市场策略. 为纽约银行增加了50亿美元的流动性.
- Re-engineered the 定价 engine and built a concession tracking system.
重点领域:定价策略, 尽职调查, 公司间的会计, 私人银行业务, 贷款, 联邦政府财政, 资产支持证券(ABS), 产品策略, 消费贷款, 消费信贷, 抵押贷款, 金融监管, 流动性覆盖率(LCR), 价格分析, 财富管理, 房屋贷款, 预测, 收入 & 费用预测, 球场上甲板, 房地产, 经济适用房, 住宅地产, 政府资助企业(GSE)
发现房屋贷款公司总裁
2010 - 2015
发现金融服务(纽约证券交易所代码:DFS)
- 指导全公司范围内的主动谈判, 关闭, 整合对住房贷款中心的收购, 贷款 Tree (NASDAQ: Tree)的全资子公司.
- Operated a consumer-direct mortgage platform with 650 employees across two operating locations.
- Developed and implemented distribution strategies focused on 发现 cross-sell and purchase-money mortgages.
- Expanded product offering and evolved capital markets capabilities from aggregator to GSE (Fannie Mae/Freddie Mac/Ginnie Mae) execution.
- Deployed new consumer-facing web services and upgraded loan origination technology platform.
重点领域:P&L预测，金融科技，利润 & 损失(P&L), 利率风险, 预算, 金融建模, 操作财务, 定价策略, 市场营销, 抵押贷款, 估值分析, 估值建模, 尽职调查, 消费贷款, 消费信贷, 贷款, 房屋贷款, 合并 & 收购(M&A)预测，收入 & 费用预测, 投资意向书咨询, 球场上甲板, 房地产, 资本市场, 经济适用房, 住宅地产, 政府资助企业(GSE)
董事会
2003 - 2011
大西洋海岸金融公司(NASDAQ:ACFC)
- 担任审计委员会主席，并担任董事会财务专家.
- 任职于董事会薪酬委员会. The Compensation Committee set and monitored overall compensation for the senior leadership team.
- 担任董事会提名和治理委员会成员. 我们被指控辨认身份, 筛选, 介绍董事会成员, as well as ensuring that the Board followed appropriate governance processes.
关注领域:资本结构，P&L预测, 利率风险, 公司的财政, 年轻的资本, 融资, 首次公开募股, 对外财务报告, 财务报告, 首席财务官, 投资意向书咨询, 房地产, 住宅地产, 会计
首席财务官
2008 - 2010
柏树的财产 & 伤亡
- Directed a strategic review on behalf of the Board to evaluate alternatives to reclaim, 部署, 或者优化资本.
- Led the divestiture of the company's retail insurance agency as the company's focus shifted to direct policy origination. $25 million in annual premium and certain other assets were conveyed in a series of two transactions.
- 监督财务、会计、人力资源和合规职能.
- Managed catastrophic reinsurance program with on-shore and off shore reinsurance counterparties.
重点领域:人力资源(HR)，战略规划 & 执行, 贴现现金流(DCF), 注册会计师(注册会计师), 私募股权估值, 私人股本, Three-statement建模, 内部财务报告, 对外财务报告, 企业融资, Fintech, 金融建模, 预算, 财务规划 & 分析(FP&A), DCF 估值, 尽职调查, 私人公司估值, 估值, 合并 & 收购(M&A)预测，收入 & 费用预测, 财务报告, 首席财务官, 投资意向书咨询, 会计
高级副总裁
2001 - 2008
收购PHH Mortgage(纽约证券交易所代码:收购PHH)
- 领导收购PHH 80亿美元的批发/代理贷款平台, focused on community-based financial institutions and realtor-owned mortgage companies, 与战略, 操作, 和P&我的责任.
- 曾在收购PHH Home Loans LLC的运营委员会任职, 国内最大的抵押贷款合资企业之一.
- Oversaw the operations of 7 subsidiary companies operating retail loan officer platforms, which captured over 20% of the mortgage opportunity within the Coldwell Banker footprint. 将抵押贷款转换率从18%提高到22%.
- Identified, negotiated, and 关闭d the acquisition of CUNA Mortgage, which added $1.5 billion of profitable originations (increasing credit union market share to over 50%) and $6.80亿美元的抵押贷款服务权.
- 开发并推出收购PHH的SEC货架注册和SPV, which provided the company direct access to the private-label mortgage-backed market, 创造流动性和品牌知名度.
- Built and successfully launched the home equity lending division within 收购PHH's retail origination platform.
- Optimized credit risk and profitability via the use of advanced technology, 俘虏再保险, 以及其他风险分担安排.
关注领域:资产支持证券(ABS), 贷款发放, 定价策略, 消费贷款, 消费信贷, 房屋贷款, 信用分析, 信用评价, 公司的财政, 私人银行业务, 财富管理, 业务流程外包(BPO), 贷款, 代理设置, 经纪公司, 信用风险, 抵押贷款, P&L预测、利润 & 损失(P&L)，财务建模，尽职调查，合并 & 收购(M&A)预测，收入 & 费用预测, 投资意向书咨询, 房地产, 资本市场, 住宅地产, 政府资助企业(GSE)
高级副总裁
1992 - 2001
美林信贷公司. (纽约证券交易所:BAC)
- Led the 定价, hedging, sale, and delivery of mortgage loans into the capital markets.
- 指导MLCC的机构和非机构证券化项目. Established a shelf registration program that provided MLCC liquidity and brand recognition. Developed and nurtured institutional investor and rating agency relationships.
- 开发并成功实施, 个人, 以及有特色的投融资产品/服务, 定价, 以及为高净值/超高净值客户量身定制的信贷标准, 通过美林的零售顾问网络分发.
- Assisted in the 操作 launch of Merrill Lynch Bank USA, a Utah ILC.
- Directed the sale and outsourcing of MLCC's $15 billion first mortgage servicing operation and established a 3-year flow program, 带来两千万美元的经济效益.
- Directed diligence and integration in the purchase (June 1996) and 卖方勤奋 on the sale (July 1998) of Lender’s Service, 公司, 这给ML带来了3500万美元的收益 & Co.
- 领导的估值, 卖方勤奋, and integration for the sale and outsourcing of Merrill Lynch's mortgage lending and servicing business to 收购PHH.
- 实施质量过程管理程序, culminating in MLCC's receipt of the Malcolm Baldrige National Quality Award.
重点领域:抵押房地产投资信托基金, 商业按揭证券(CMBS), 抵押贷款, 房屋贷款, 产品策略, 抵押贷款, 利率风险, 定价策略, 信用分析, 公司间的会计, 信用风险, 信用评价, 私人银行业务, 金融建模, 产品开发, 资本市场, 业务流程外包(BPO), 资产支持证券(ABS), 估值, 公司的财政, 财富管理, 尽职调查, 合并 & 收购(M&A), 预测, 投资意向书咨询, 抵押贷款支持证券, 房地产, 住宅地产, 政府资助企业(GSE)
高级经理
1984 - 1992
德勤
- Recognized as an industry specialist in Financial Services and 房地产.
- Developed extensive experience in corporate finance and both public and private capital placements.
- Coordinated 1933 Act and 1934 Act SEC filings for a number of public companies.
重点领域:控制审计, 管理, 审计, 私人公司估值, 注册会计师(注册会计师), 估值, 尽职调查, 财务报告, 抵押贷款, 会计
教育
1979 - 1982
工商管理学士学位
新罕布什尔大学-达勒姆，新罕布什尔州
认证
2012年6月至今
核磁测井
全国抵押许可制度
1985年2月至今
注册会计师
美国注册会计师协会
有效的合作
如何使用Toptal
Toptal matches you directly with global industry experts from our network in hours—not weeks or months.
1
分享你的需求
Discuss your requirements and refine your scope in a call with a Toptal domain expert.
2
选择你的才能
Get a short list of expertly matched talent within 24 hours to review, interview, and choose from.
3
开始你的无风险人才试验
与你选择的人才一起工作，试用最多两周. 只有当你决定雇佣他们时才付钱.
对顶尖人才的需求很大.
开始招聘