Extensive knowledge in home loan origination, storage, securitization, market-making and risk management industries. Demonstrated accomplishment in producing new businesses, expanding client base, managing costs and improving success. Highly-skilled in a full spectrum of mortgage-backed features, including sales/trading, risk management, expenditure analysis, customer presentations, cash flow modeling and performance analysis.
Traditional bank management position supervising mortgage-backed properties split.
TOKYO STAR LENDER, LTD., Tokyo, JapanMarly 2006-Present
Standard Manager, Organization Strategy & Coordination
Started the initial private mortgage conduit in Japan. Created third-party origination (correspondent lending) and securitization program during my 1st eight a few months. Identified exceptional emerging marketplace opportunities in Japan and founded software to provide specific long-term loans support in the mortgage bank industry. Developed and launched progressive business idea to address under-served niche market and integrated fresh model with existing business.
Created “Mortgage Banking & Conduit in Corporate Finance Group and recruited experts to underwrite, purchase and accumulate mortgage loan assets to get re-packaging.
Designed and introduced two new loan products on time, which include prime Hands & cross ARMs and prime piggyback seconds (onto the Japanese conforming loan, “Flat 35), which has been well received in the main market.
Founded exceptional correspondent relationships with major lenders, such as SBI Mortgage, Toshiba Housing Bank loan, Mortgage Providers of The japanese, Family Life Service and Yuryo Casing Loan. Successfully funded 2 billion yen in new financial loans in 12 months.
Described the broad project to develop and put into practice a efficient origination process.
Led the team to perform all documentations for acquisitions and solved critical legal issues including Financial institution Agency Legislation.
Developed charges methodologies, improved profitability and controlled price range.
Oversaw underwriting guidelines and maintained the quality of acquired possessions.
Led the project crew to create financial loan databases, which usually enabled the Bank to easily off-balance it is assets.
SHINSEI BANK, LIMITED., Tokyo, JapanFeb 2002-Mar 2006
Director, Capital Markets Division
Directed the team taking care of risks of the division’s conduit businesses, which include mortgage loans and securitized loan portfolio. Created and reported detailed P&L, including key items like positions, hedge mark-to-markets and funding costs. Enjoyed a key role in acquiring household mortgage loans through the secondary market and established a mortgage-banking platform including SBI Mortgage, Shinsei Home Finance and Rakuten Home loan.
Independently maintained the division’s portfolio, really worth over one particular trillion yen in their market value, and hedged its rate of interest and prepayment risks mostly using swaps, caps and swap choices.
Instrumental in growing property from twenty billion yen to over you trillion yen in three years. Obtained 20% annual net increase in investment cash flow during that time.
Developed an entire cash flow charges model using INTEX and MIAC stats to successfully acquire above 2 trillion yen of mortgage portfolios from local banks.
Set up and executed secondary promoting functions for five mortgage correspondents, which added 15 billion yen new originations to the mortgage loan conduit yearly.
Created business plans, finances and predicting and made delivering presentations to investment committees.
Successfully managed a team of three charges and risikomanagement professionals and oversaw numerous loan database projects.
MERRILL LYNCH JAPAN CO., LTD., Tokyo, JapanSep 2000-Aug 2001
Associate Vice President, MBS/ABS Trading and Syndication
Investor and marketer of global securitized products for Japanese and Asia-Pacific shareholders. Managed trading ebooks by way of hedging trading positions and prepared an everyday offering piece with marketplace comments and data. Attended product sales meetings regularly and comprehensive client administration.
Executed deals on U. S. pass-throughs, CMO and credit card and auto loan ABDOMINAL MUSCLES with a amount in excess of captal up to $1 billion for the year 2000-2001.
NOMURA SECURITIES INTERCONTINENTAL, INC., New york city, NYSeptember 1998-August 2000
Assistant Vice President, MBS Study
Research analyst for the U. S. residential MBS markets and assisted investors and sales team in assessing relative worth, documenting trade strategies and generating expenditure ideas. Regularly wrote commentaries on market occasions, prepayment rates of speed and casing indices.
HSBC SECURITIES, INC., New York, NYJan 1998-Jun 1998
Relate, Mortgage-Backed Analysis
The company closed straight down its mortgage business in 2/98. Moved to Nomura Securities along with my own supervisor.
BLACKROCK, INC., New York, NYDecember 1996-Jan 98
Analyst, Collection Administration
Liaised with accounting agents with the firm’s institutional clients, took part in reconciliation with custodians and watched portfolio complying with purchase guidelines and regulatory parameters. Proved helpful as a great intern between 12/96-4/97.
COLUMBIA SCHOOL, New York, NYC
M. A., Statistics, mil novecentos e noventa e seis
STATE COLLEGE OR UNIVERSITY OF NEW YOU ARE ABLE TO, BINGHAMTON, Binghamton, NY
B. A., Math concepts, 1994
NASD Series six & 63 and JASD Level 1 & a couple of