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Senior Director - Specialty Products Underwriting and Credit

Managing Director & Chief Underwriter - Affordable Housing at ORIX Real Estate Capital (dba RED CAPITAL GROUP)

Washington D.C. Metro Area

Section title

D. EML's Email Addresses & Phone Numbers

D. EML's Work Experience

Freddie Mac

Senior Director - Specialty Products Underwriting and Credit

June 2015 to Present

Freddie Mac

Director - Underwriting & Credit

March 2013 to June 2015

Freddie Mac

Director - Operational Risk Management

October 2011 to March 2013

D. EML's Education

Dartmouth College Tuck School of Business

Executive Education Leadership and Strategic Execution

2012 to 2012

Georgetown University

EML Executive Masters in Leadership

2007 to 2007

Clark Atlanta University

MBA Finance

1996 to 1998

D. EML's Professional Skills Radar Chart

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Based on our findings, D. EML is ...

52% Left Brained
48% Right Brained

D. EML's Estimated Salary Range

About D. EML's Current Company

Freddie Mac

Frequently Asked Questions about D. EML

What company does D. EML work for?

D. EML works for Freddie Mac

What is D. EML's role at Freddie Mac?

D. EML is Senior Director - Specialty Products Underwriting and Credit

What is D. EML's personal email address?

D. EML's personal email address is d****[email protected]

What is D. EML's business email address?

D. EML's business email addresses are not available

What is D. EML's Phone Number?

D. EML's phone (206) ***-*323

What industry does D. EML work in?

D. EML works in the Financial Services industry.

About D. EML

📖 Summary

Affordable housing finance executive with core competencies in Strategic Decision, Risk Management, and Change Leadership. Experienced expert in driving organizational performance, innovation, and transformation. Successfully negotiated over $6.5 billion and restructured an additional $2.0 billion in affordable housing transactions. Significant experience leading new business initiatives as well as conducting large scale credit, operational, and enterprise risk assessments. Demonstrated ability to lead team and impact change in a rapidly evolving organization including the ability to change the thinking of and gain acceptance from others in sensitive situations without damage to the relationship. Possess both non-profit and private sector leadership experience. Recipient of CEO Award - one of ten employees company wide recognized for demonstrating exceptional leadership and driving business results. Possess graduate degrees in business administration, law, and executive leadership. Member of the Board of Directors - The Disability Opportunity Fund, The Arc of Northern Virginia, Corporate America Supports You (CASY), and Military Spouse Corporate Career Network (MSCCN). In addition, served as Chairperson of Abilities, Freddie Mac's disability oriented employee affinity group. Recipient of Freddie Mac's Chief Diversity Officer Champion Award for efforts in support of company's diversity and inclusion strategy.Senior Director - Specialty Products Underwriting and Credit @ From June 2015 to Present (7 months) Director - Underwriting & Credit @ Responsible for underwriting multifamily targeted affordable cash, structured, senior housing mortgages, and tax-exempt bond credit enhancements. Served as Underwriting and Credit manager for clients generating $500 million to $1 billion in annual production volume. Achieved record production volume two years running. From March 2013 to June 2015 (2 years 4 months) Director - Operational Risk Management @ Served as operational risk lead for $100 billion business unit. Responsibilities included assessing business unit exposure, identifying risks, evaluating their potential impact and reviewing the strengths and weaknesses of the business unit's existing controls. Acquired conceptual and practical knowledge of COSO framework and Sarbanes-Oxley compliance. Additional responsibilities included evaluating and assimilating documentation in response to federal regulatory requests. Served as interface between business unit and Federal Housing Finance Agency (FHFA), General Accounting Office (GAO), and Office of Inspector General (OIG). Served on Executive Diversity & Inclusion Council working with Executive Management to improve human capital management practices including implementing practices as a strategic competitive advantage. In addition, appointed Chairperson of Abilities Employee Network Group by Chief Diversity Officer. Responsibilities included developing and implementing strategies to leverage disability oriented affinity group to address business needs and help drive corporate diversity strategy. From October 2011 to March 2013 (1 year 6 months) Director - Enterprise Risk Management @ Served as Multifamily subject matter expert for VP of Credit Risk Oversight. Responsible for performing risk analyses on credit policy changes, new business initiatives, financial model changes, and transactions requiring the approval of Chief Enterprise Risk Officer. Monitored credit policies and practices to ensure alignment with enterprise wide credit and governance parameters. From April 2011 to October 2011 (7 months) Director - Credit Risk Management @ Performed loan reviews on $100 billion multifamily loan portfolio to assess quality of credit decisions and ensure compliance with credit policy. Assessed mortgage investments based upon quality of financial, valuation, borrower/sponsor, market, and property management analyses. In addition, responsible for identifying emerging risks and negotiating changes to credit policy and processes. Risk management practices resulted in portfolio demonstrating the strongest operating perfomance in the industry. From June 2009 to April 2011 (1 year 11 months) Managing Director - Fannie Mae Loan Acquisition Program @ Successfully established a pilot loan acquisition program, helping Fannie Mae increase its multifamily small affordable loan volume. Success of pilot program resulted in program being expanded to other Fannie Mae DUS lenders. Responsible for conducting portfolio analytics, managing underwriting due diligence, and negotiating portfolio purchases. From December 2005 to June 2009 (3 years 7 months) Deputy Chief Underwriter - Fannie Mae DUS Program @ Successfully closed over $800 million in Fannie Mae DUS financings, helping company become one of the fastest growing Fannie Mae DUS lenders and one of the Top 10 annual producers by volume. From September 2003 to December 2005 (2 years 4 months) Vice President - Multifamily and Senior Healthcare Underwriting @ Underwrote over $700 million in multifamily and senior healthcare facilities through various sources of financing with emphasis on the Fannie Mae DUS program, FHA mortgage insurance programs, and various portfolio lending vehicles. Received separate awards for "Mortgage Banking Deal of the Year" and "Investment Banking Deal of the Year". From April 2001 to September 2003 (2 years 6 months) Associate Director - Financial Services Group @ Served as financial advisor for public and private sector clients in the analysis, restructuring, and disposition of loan assets. Completed the largest government whole loan sale, $1.2 billion totaling more than 26,000 financial assets. Managed financial advisory engagements for the U.S. Treasury, HUD, and the FDIC. In addition, established e-commerce platform to faciliate the trading of loan assets in the secondary market. From May 2000 to March 2001 (11 months) Portfolio Manager / Real Estate Loan Officer @ Underwrote project and corporate credit facilities. In addition, managed $100 million real estate loan portfolio. From May 1999 to May 2000 (1 year 1 month) Corporate Finance Associate @ Corporate Finance Training Program - Completed one year, graduate level, corporate finance training program. Program included business line rotations, case studies, and learning modules in corporate finance, credit analysis, debt and equity structuring, capital markets, hedging strategies, and financial negotiations. Performed credit, valuation, liquidation, and bankruptcy analyses on $7 million to $40 million problem credits and recommended strategies for problem resolution for Managed Assets (Credit Workout) Department. In addition, analyzed corporate credits for Commercial Real Estate Department. From 1998 to 1999 (1 year) Executive Education, Leadership and Strategic Execution @ Dartmouth College Tuck School of Business From 2012 to 2012 EML, Executive Masters in Leadership @ Georgetown University From 2007 to 2007 MBA, Finance @ Clark Atlanta University From 1996 to 1998 JD, Law @ Albany Law School of Union University From 1990 to 1993 BA, Psychology @ Fordham University D. EML is skilled in: Risk Management, Corporate Finance, Change Management, Corporate Governance, Leadership Development, Crisis Management, Diversity & Inclusion, Credit Risk, Financial Risk, Financial Modeling, Underwriting, Asset Managment, Due Diligence, Portfolio Management, Financial Analysis, Nonprofit Organization Management, Strategic Planning, Problem Solving, Servant Leadership

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In a nutshell

D. EML's Personality Type

Extraversion (E), Sensing (S), Feeling (F), Judging (J)

Average Tenure

1 year(s), 8 month(s)

D. EML's Willingness to Change Jobs



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