407 Eva Lane, Greensboro, NC 27455 828-606-3159 mnowens@bellsouth.net
Mark Ned Owens
407 Eva Lane, Greensboro, NC 27455
 Senior mortgage executive with 25 plus years’ experience leading residential mortgage production and operations teams. In-depth knowledge of underwriting, compliance, information systems, production, servicing, and secondary marketing. Talented in directing teams to top performance.
FIRST BANK, Greensboro, NC
Senior Vice President, Senior Mortgage Administration Manager, October 2017-Present
 Responsible for all mortgage division operations functions including processing, underwriting, closing, systems, and secondary marketing.
 Prepare annual budgets including production estimates and budgets for salaries, incentives, and operating expenses.
 Design operations incentive compensation plans ensuring compliance with regulations and driving behavior to meet division goals.
 Direct daily operations of processing and underwriting, monitoring productivity, establishing priorities, developing standards. Balance cost to originate with turn time expectations of the market.
 Effectively manage relationships with investors, service providers, and technology vendors by establishing rapport with key personnel and building reasonable expectations based on win/win outcomes.
SVP, Mortgage Lending Division Manager, October 2014-September 2017 (acquired by First Bank)
 Responsible for all mortgage division functions including sales, loan fulfillment and secondary marketing.
 Increased mortgage production 40% and improved secondary market income 50 basis points in the first full year.
President, Mortgage Division, May 1999 – October 2014
 Responsible for all mortgage division functions including sales, fulfillment, underwriting, compliance, information systems, and secondary marketing.
 Mortgage division received the 2002 Holding Award for Excellence, recognizing the staff department that made the most outstanding contribution to the Bank for the year.
Information Systems Manager, 1992 – 1999
 Manage relationship with service bureau running the MSP servicing systems. Manage development, implementation, and support of IS infrastructure supporting 350 users of mortgage applications and databases in mortgage servicing, production, and secondary marketing.
Controller, 1990 – 1992
 Responsible for all financial reporting to directors, holding company, and regulators. Responsible for general ledger, budgeting, internal control, fixed assets, and accounts payable.



SC Housing


SC Housing is currently looking for a New Controller.  We are interested in somebody that has mortgage/banking experience  Listed below is a link where you can find the Controller position description. 


Colleen Nassab
SC Housing



                                                               Brenda F. Brendle




§ Over 45 years’ experience in Mortgage Banking with an emphasis in Wholesale, Retail and

     Correspondent Operations including Processing, Closing, Funding, Collateral Review, Investor 

      Delivery, Investor Compliance, Investor Repurchase, Quality Control and Servicing

§ Proficient in all aspects of Mortgage Lending

§ Excellent reputation for establishing relationships with Investors, Correspondents, Brokers,

      Peers and Executive Management               

§ Proven track record of excellent results in Productivity, Quality and Process Re-design

Professional Experience

CoastalStates Mortgage (formerly Homeowners Mortgage Enterprises) Columbia, SC

05/2014 – present

Senior Vice President of Operations:

§ Responsible for Retail Processing, Wholesale/Correspondent Processing and Compliance

§ Responsible for closing Retail and Wholesale/Correspondent loans

§ Responsible for review and funding of Mini-Correspondent loans and TPO loans

§ Responsible for Held For Sale position in regards to timely delivery and purchase of loans

§ Responsible for Investor Suspense

§ Responsible for Post Closing functions which includes audit of loans prior to Investor Delivery,

     Government Insuring and Trailing Document Procurement

§ Responsible for Servicing functions which include Customer Service, Payment Processing,

     Payoff Quotes, PMI/MI remittances, Investor Purchase Advice recon, EPO/EPD demand letters and

     working with Servicer on Portfolio


Florida Capital Bank Mortgage, Jacksonville, FL

08/2008 – 05/2014

Senior Vice President of Investor Compliance, Investor Delivery and Post Closing:

§ Responsible for Held For Sale position in regards to timely delivery and purchase of loans which

     includes selling scratch and dent and portfolio retention

§ Responsible for Investor Compliance which includes clearing all Investor suspense issues prior to

     purchase and post purchase requests

§ Responsible for responses for repurchase demands received from Investors

§ Responsible for Post Closing functions which includes audit of loans prior to Investor Delivery,

     Government Insuring, and Trailing Document Procurement

§ Responsible for review and purchase of all Delegated and Non-Delegated Correspondent loans

Merrill Lynch Credit Corporation, Jacksonville, FL

09/2004 – 07/2007

Director of Correspondent and Brokers Operations:

§ Approval process for Brokers, including yearly audits

§ Worked with fulfillment vendor in regards to Underwriting and Funding

§ Delivered training and support as it related to products, pricing, policies and procedures to internal                                  

     Staff, Sales staff and Customers

§ Managed escalation process

§ Performed post-funding due diligence, quality review and repurchase obligations

Washington Mutual Bank, F.A. (Acquired HSL), Jacksonville, FL

03/2002 – 09/2004

First Vice President of Investor Delivery:

Managed 4 Operation Centers with data on loan issues and recommendations for policy changes and

operational changes

·        Daily operations and functions associated with Investor Delivery for all of HomeSide Lending


·        Compliance in the critical areas of Agency Securities, Whole Loan Deliveries, Jumbo Securities,

Collateral Banking and Repurchase obligations


HomeSide Lending Inc. (formerly BancBoston Mortgage Corporation)

Jacksonville, FL


Senior Vice President and Director of Investor Delivery and Collateral Banking:

·        Investor Delivery

·        Collateral Banking

·        Rate and Pricing Distribution

·        Registration/lock-in desk

·        Pipeline Management


Market Street Mortgage (acquired Freedom Mortgage), Tampa, FL


Vice President of Secondary Marketing:

·        Investor Delivery

·        Rate and Pricing Distribution

·        Pipeline Management

·        Post Closing


Freedom Mortgage Company, Tampa, FL


Vice President and Director of Investor Delivery / Collateral Banking and Retail Post Closing:

·        Investor Delivery

·        Rate and Pricing Distribution

·        Pipeline Management

·        Post Closing


Wachovia Mortgage Company, Winston-Salem, NC


Assistant Vice President and Investor Delivery Manager:

§ Investor Delivery

§ Underwriting

§ Secondary Marketing Functions

§ State Bond Program Director for North Carolina and South Carolina


Sandra T. Phillips

405 N. Weston Street

Fountain Inn, SC 29644





Seasoned, hands on, self-motivated leader trained in business, technology and project management processes but with skills to develop and apply “out of the box” solutions to support rapidly changing environments.  Strong business acumen and excellent customer service skills.  Poise and skill to work effectively within all levels of an organization.  Track record of delivering quality solutions on time and within budget.  “Go To” person for rapid, positive solutions.  Demonstrated ability to create an environment of motivation, consensus and success.  Ethically responsible, innovative, high energy manager.  Ability to analyze business requirements, identify deficiencies and formulate recommendations for improvement.


Park Sterling Bank, Greenville, SC

Senior Vice President/Mortgage Operations Manager, June 2016 to Present

• Overall responsibility for LOS systems, Underwriting, Processing, Closing/Funding, Secondary Marketing, Investor

   Accounting, Post Closing, Shipping, Construction Draw Administration, Construction Conversions, Sales Management

• Develop and retain a highly talented operations team, leading through strategic direction and vision

• Responsible for taking business strategy and converting it into executable plans while managing risk

• Collaborate and maintain effective business partnership with key sales partners to drive profitable revenue growth

• Facilitate the review and implementation of new workflow processes and procedures to gain optimum efficiency

• Manage employees in multiple remote locations (NC, SC, VA, GA)

United Community Mortgage Services, Greenville, SC

Director of Mortgage Operations, June 2014 to May 2016

• Responsible for LOS systems, Underwriting, Processing and Closing functions

• Liaison between bank Compliance department and Internal Audit department

• Develop and retain a highly talented operations team, leading through strategic direction and vision

• Collaborated with key sales partners to drive profitable revenue growth

•  Managed employees in multiple remote locations (NC, SC, TN, GA)

Bank of America, Charlotte, NC

Fulfillment Leader II, January 2013 to May 2014

Senior leader within the Area Ops Center of 75 employees prior to moving to the National Ops Center

• Developed and retained a highly talented operations team of Openers, Processors, Underwriters and Closers

• Maximized staff productivity by executing daily/weekly/monthly goal oriented work standards meetings

• Work collaboratively and maintain effective partnerships with sales

• Convert business strategy into executable goals while managing risk


Senior Loan Review Manager, March 2011 to December 2012

• Managed Reps and Warrants loan review group to ensure the successful resolution of repurchase claims by FNMA

• Leadership of 50 employees analyzing repurchase requests for all possible refutations of claims by utilizing

   forensic document research, vendors to obtain documentation and re-underwriting of loan files

• Managed multiple sites in remote locations (TN, FL, PA, NC, CA)


Wholesale Fulfillment Operations Manager, April 2010 to February 2011

• Developed and retained a highly talented staff of underwriters, processors, closers

• Convert business strategy into executable plans

• Develop and maintain excellent working relationships with Brokers and Business Development Officers

• Achieve operational goals, reporting and forecasting for areas managed

IndyMac Bank, Columbia, SC

Floating Operations Manager, July 2007 to September 2008

• Selected by Executive Management to provide on-site, key leadership to support regional centers  to improve efficiencies, productivity and quality

• Work with Regional Site Managers to implement key initiatives, resolve operational issues

• Serve as operations SME

• Provided leadership in the launch of a Retail Lending Help Desk

• Provided loan approval review for $1,000,000 second signature Underwriting authority


Non-Prime Fulfillment Manager, September 2004 to July 2007

• Performed as manager of non-prime lending, managing underwriters, processors and closers

• Develop and retain a highly talented operations team

• Work collaboratively with key sales partners to drive profitable revenue growth

• Created new process to have denied prime loans underwritten to non-prime standards to improve the center   

   approval rate.  This process was adopted by all 17 regional centers.

Washington Mutual Savings Bank, Columbia, SC

Senior Team Manager, August 2003 to September 2004

First Citizens Bank, Columbia, SC

Secondary Marketing Manager/Capital Markets,  April 2002 to July 2003

Fleet Mortgage Group, Columbia, SC

Inventory Control Manager/Capital Markets,  November 1998 to March 2002

First National Bank of Florida

Mortgage Department Manager, April 1996 October 1998

ITT Federal Bank, San Diego, CA

Asset Sales Manager/Capital Markets, February 1993 to February 1996

Union Bank, Los Angeles, CA

Secondary Marketing Manager,  November 1987 to February 1992

First American Mortgage Corp, Greensboro, NC

Secondary Marketing Manager, August 1984 – November 1987

Lockheed Mortgage Corp, Los Angeles, CA

Account Executive, November 1983 – August 1984

Volunteer Work

2017 – 2018 Legislative Committee, Mortgage Bankers of the Carolinas

2018 Board Member, Mortgage Bankers of the Carolina

Volunteer, Discovery Place Museum

Volunteer, United Way

Volunteer, Habitat for Humanity

Vice President, Girl Scouts of Greater Columbia

Teacher, Junior Achievement

President, Collier County, FL Loan Consortium

Vice President, Bonita Springs Housing Development Corp.



Mortgage Bankers Association of the Carolinas, Inc.
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