Brian Ingram CSM

• Led the management and optimization of enterprise business systems supporting banking operations, ensuring reliability, scalability, and regulatory compliance. • Partnered with IT, operations, risk, and compliance teams to deliver system enhancements aligned with business objectives. • Oversaw system integrations, upgrades, and process improvements to improve operational efficiency and user experience. • Implemented governance, documentation, and change management processes to support audit readiness and system stability • Spearheaded the design and deployment of an automated, model-driven decisioning capability across HELOC, credit card, and line-of-credit portfolios, enabling proactive detection of post-origination credit deterioration, shifting from blanket remediation to precision-targeted risk actions, reducing loss exposure, and eliminating approximately 9,000 hours of manual effort.

• Managing auto collection teams consisting of 9 direct supervisors, 74 indirect agents, and several business analysts, in the auto collections cradle to grave, and Potential loss workgroups. • Specialized in late-stage delinquency, special handling states, negotiating, and mitigating losses prior to charge off. • Lead multiple sites in rolling out documentation metrics along with a call model negotiating tool that focuses on cash collections and consistent customer experience. • Conducted weekly supervisor meetings as well as monthly skip level team pull ups. • Coached collectors and Supervisors on negotiation skills through call models and call listening sessions. • Introduced daily goal setting routines as well as monthly forecasting strategies down to the agent level, elevating the Lewisville collection sites performance to #1 Nationwide. • Partnered with and maintained positive working relationships with various functional departments for mutual goal attainment, including Repossessions, work out teams, recovery, Customer Service, and Payment Processing.

• Led teams in a hybrid work environment at multiple collection sites, ensuring repossession activities, charge offs, workouts, and FFIEC regulatory requirements were met. • Partnered with various functional departments to achieve mutual goals, including Repossessions, Customer Service, credit losses, and FFIEC compliance. • Designed innovative reporting for production transparency and daily operational oversight for Collections and Collection Admin teams.

• Managed Auto collections support teams at multiple sites, overseeing extensions, repossessions, charge off oversight, and regulatory state requirements. • Optimized month end processes for charge offs by 80%, increasing collector efficiency and reducing loss exposure. • Cross-pollinated agents from different departments to streamline month end process handling.

• Managed various collection teams in a call-center environment. • Serviced FNMA, FHLMC, VA, 2nd liens, and private-label investor loans, all delinquency stages. • Direct-investor liaison for large sub-servicing bank portfolio totaling 54 billion in assets. • Managed 4 billion in balance sheet loans from early delinquency through REO, while reducing staffing requirements by 60% due to increased performance and automation. • Successfully defeated the 'Claw back' provision of a large servicing acquisition contract, turning a projected 10-million-dollar loss for the company into a 1-million-dollar gain. • Automated custom Delinquency Executive Reports specific to each individual investor group. • Utilized all types of work out options including, short sales, Deed in Lieu, HAMP I, HAMP II, and proprietary modifications.

• Managed 8 sub-prime origination branches in Northern and Central California, ensuring compliance with RESPA and State Licensing requirements. • Developed and implemented key marketing strategies, resulting in a 30% increase in B2B sales through profitable relationships with local banks. • Negotiated contracts and delivered persuasive presentations to executive staff and the board of Directors.

• Led a team of ten loan officers and two processors to increase mortgage loan originations from 84th ranked in the country to #5, boosting revenue by over 3 million dollars annually. • Developed a successful geographical marketing strategy targeting areas within a 50-mile footprint of the branch, driving customer engagement and loan proposals. • Achieved the highest B2B loan referrals in the nation, resulting in the lowest cost to originate in the country.

• Originated subprime mortgage loans and achieved the highest level of B2B sales in the Nation. • Generated over a half million dollars of loans in the Oklahoma City market. • Trained and developed new loan officers and built strong relationships with local title companies.

Ongoing