1. MICHAEL L. RANDLE
Allen, TX 75002
(214) 733-1058 michael.randle@sbcglobal.net
Professional Summary
I am action-oriented with a strong ability to communicate effectively with technology, executive, and business
audiences. I am results-driven, highly accomplished leader with full knowledge of Call Center Operations and Loan
Servicing. I have a proven track-record of managing risk and getting results through strategic techniques while
cultivating new relationships with key decision makers. I bring 15+ years of Banking, Loan Servicing, Operations,
Call Center Operations, Credit Analysis, Risk Management, Budgeting and Forecasting expertise.
Work History
Realtor® 1/2014 to Present
Coldwell Banker Residential – Plano, Texas
· Ensures monthly and quarterly performance monitoring activities were communicated to internal staff.
· Partners cross-functionally with project customers to provide strategic and tactical partnerships.
· Verified conditions of loan approval such as client income, asset documentation, and coordinate closing
activities between Title Company, loan processors, and the home buyer.
Assistant Vice President 10/2011 to 12/2013
JPMorgan Chase – Lewisville, Texas
· Managed HAFA, Bank Owned, and Freddie Mac portfolios.
· Achieved top Freddie Mac compensatory fee savings 6 consecutive months, averaging over $17k per closed
unit.
· Coordinated actions plans that prevented reputational and financial risk to the Bank while developing HAFA
work flow procedures in line with OCC, DOJ, and MHAC compliance audits.
· Partnered with MIS reporting to enhance report logic for internal audit controls and LOB operations.
· Facilitated Investor relationships with Freddie Mac to decrease delinquent accounts which increased the
Credit Officer’s short sale approvals.
· Ensured compliance and regulations with state laws concerning Real Estate property tax payments for Bank
Owned and Investment properties.
· Implement bankruptcy and loss mitigation strategies, which continually improved existing strategies;
identified, analyzed, and ensured productivity measurements were achieved.
· Developed internal score cards that positively impacted performance management metrics.
· Conducted focus groups that monitored financial and covenant analysis of proposed transactions and
portfolio companies.
· Monitored developments in the fields of industrial technology, business, finance and economic theory.
· Development of people managers and their subordinates. Specifically focused on job specific skills and other
transferable competencies.
Realtor® 04/2011 to 10/2011
Coldwell Banker Residential – Plano, Texas
· Originated loans and examined loan documentation for accuracy and completeness according to appropriate
regulatory requirements.
· Assisted clients with best suitable loan types through presenting them with various forms of lending
(conventional, home equity, FHA, VA, etc.).
· Verified conditions of loan approval such as client income, asset documentation, and coordinate closing
activities between Title Company, loan processors, and the home buyer.
Assistant Vice President (Unit Manager II) 10/2009 to 03/2011
Bank of America – Richardson, Texas

2. · Managed Fannie Mae Short Sales Division that accounted for 35% of a mortgage loan servicing functions
which included 4 Unit Managers and 14 Supervisors.
· Responsible for the planning, administrating and managing of all activities involved in bankruptcy and loss
mitigation departments.
· Monitored workflow and operational efficiencies in order to recommend changes and operational
improvements to executive management.
· Coordinated daily functions with tax and escrow staff.
· Coordinated Internal, External and Regulatory Auditors for quarterly and annual compliance audits.
· Accountable for interpretation and implementation of bankruptcy guidelines while maintaining high customer
satisfaction and cross departmental engagement.
· Identified attorneys to support Home Loans for foreclosure, bankruptcy, and eviction.
· Managed effective execution of bankruptcy processes from bankruptcy filing through final disposition.
· Monitored tracking and performance monitoring mechanisms to keep management team apprised of
operational activities.
· Managed bankruptcy attorney network performance ensuring key CTQ deliveries were met.
Operations Manager 01/2004 to 10/2009
The Adegbayi Group Co. – Dallas, Texas
· Evaluated loan application for dealer floor plan, owner occupied dealership real estate, derivatives and
treasury management services in accordance to business unit standards.
· Prepared written credit approval memoranda for dealerships and forms for routine to moderately complex
credit facilities.
· Reviewed and analyzed automobile dealership financial statements, tax returns, and cash flow statements of
Borrowers and Guarantors.
· Ensured monthly and quarterly performance monitoring activities were communicated to internal and
external staff.
· Partnered cross-functionally with project customers to provide strategic and tactical partnerships to drive
project delivery.
Operations Support Manager 08/2001 to 01/2004
ACE Cash Express (Corporate) – Plano, Texas
· Managed helpdesk and customer service departments, which provided support to over 1200 field service
operations, and provided customer care to existing and potential short-term loan borrowers.
· Managed and reviewed operational costs to meet department budget requirements, while ensuring banking
procedures for short-term loans aligned with the Fair Credit Reporting Act.
· Streamlined existing reporting processes, reports and systems to identify opportunity for improvement.
· Monitored employee performance and developed training curriculums to identify training and forecasts
staffing needs.
Skills
Risk Management Financial Services Leadership
Mortgage Lending Project Management Financial Investigation
Portfolio Management Credit Analysis Internal Audits
Loan Originations Marketing and Advertising Quality Improvement
Tax and Escrow Management Budgeting and Expense Foreclosure and Bankruptcy Management
Education
Bachelor of Business Administration: Management | Amber University – Garland, TX
Associate of Arts: Electrical and Electronic Engineering | MS Delta Community College – Moorhead, MS
Associate of Applied Arts: Real Estate | Collin County Community College – Richardson, TX