A Merchant

Mortgage and lending executive with 25+ years of commercial, consumer and mortgage experience. Proven record building high-performing origination and operations teams, scaling retail and correspondent channels, optimizing end-to-end loan workflows, reducing cycle times, and ensuring investor/regulatory compliance. Strong P&L orientation with expertise in secondary/hedging, QC/repurchase mitigation, LOS integrations and go-to-market strategy.

Senior Sales (Mortgage & Business Channels) - Regions Bank - Richmond, VA

(2025-12)

• Define regional mortgage go-to-market strategy, pricing guidelines and channel mix to grow volume and margin.
• Oversee retail and correspondent/TPO origination performance; partner with secondary to manage pipeline hedging and investor delivery.
• Implement KPI dashboards and SLA-driven workflows across processing, underwriting and closing to reduce cycle times and improve quality.
• Recruit, develop and train originators; deliver pipeline coaching and weekly performance reviews.

Senior Loan Officer - PNC Bank N.A. - Richmond, VA

(2020-01 - 2025-12)

• Originated and managed ~$5M quarterly; maintained ~300-account portfolio with ≥95% closing ratio.
• Instituted daily huddles, standardized pipeline reporting and LOS best practices, reducing time-to-close and limiting repurchase exposure.
• Coordinated with credit and underwriting to refine exception processes and improve decision turnaround.
• Supported secondary execution and investor-compliant delivery.

Senior Loan Officer - Fifth Third Bank N.A. - Richmond, VA

(2018-01 - 2020-12)

• Originated ~$2.5M quarterly across retail and small commercial channels; sustained ≥95% close ratio.
• Strengthened correspondent/TPO relationships and improved locked-pipeline management.
• Led portfolio reviews to identify concentrations and remediation strategies.

Chief Executive Officer - River City Retail - Richmond, VA

(2014-01 - 2018-12)

• Managed operations and real estate portfolio (~$15M); led acquisitions, new construction and investor partnerships.
• Built and led a 25-person cross-functional team; implemented performance metrics and training programs.

Mortgage Loan Officer - SunTrust - Richmond, VA

(2013-01 - 2014-12)

• Originated consumer mortgages; supported merchant services and treasury referrals for SMB clients.

B.Sc. - Business Economics & History - University of Mumbai (1999-01)