00:00I love mentoring, I love guiding, and I love teaching.
00:04Having a team that I can mold and that can teach me as well,
00:08it's how you become better on a daily basis.
00:18I grew up on Long Island, so I'm a New York native
00:22and went to school in New York.
00:25I originally started out my college career at Siena,
00:29graduated with a degree in economics, and from there
00:33got into Bank of America's rotational program.
00:36I don't think anyone chooses to go into a mortgage
00:38when they exit college, you sort of just fall into it.
00:42I learned everything about capital markets and pricing
00:45within the mortgage space at Bank of America
00:48during that rotational program.
00:50After Bank of America, I moved over to PwC
00:53where I really got an expedited learning of
00:57everything mortgage operations.
00:59I was working with clients doing M&A within the mortgage space
01:05as well as helping them create more efficient processes
01:08within their mortgage operations and servicing operations.
01:12I was learning a lot of capital market stuff originally
01:16and then pivoted pretty quickly over to the actual ops place.
01:20That's really where I got insight into how archaic
01:23the mortgage industry is and how much green space
01:26there is for opportunity to really make it more efficient
01:30and transform it as these additional and new
01:35technology companies were coming out.
01:41I loved even in college working with data.
01:44I think there's a ton that you can make from
01:47just the raw data and making decisions off of it.
01:50So when I was working with all of that pricing data
01:54originally, that was what I started to love
01:56and how I can make inferences from that data
01:59and make decisions off of it and see the impact
02:02of those decisions through volume,
02:05especially when you're doing that from a pricing standpoint.
02:08And I carried that on when I went over to PwC.
02:12I really worked heavily within the data analytics side.
02:16So being able to pair that with the mortgage industry
02:19and that mortgage data, being able to look at performance data
02:23and default data and identify risks.
02:26I love that.
02:27And I don't think there really is a day,
02:30even in my current role where I don't look at the numbers
02:33and say, okay, how can we be making better decisions
02:36based off of what we're seeing?
02:38And it has created essentially a way where like,
02:42there's no day that's ever the same
02:44because these different decisions that we're making,
02:47they cause us to pivot.
02:50They have us have different priorities
02:52come throughout the day.
02:53And I love that I'm able to be kept on my toes.
02:56I was really looking for a place where I could use
03:00all of the data skillsets that I have
03:02and move towards the tech technology role
03:06where I can make an impact
03:07and sort of start bringing those changes
03:10of automation and efficiency to life.
03:13I've sort of worn almost every hat within Polly.
03:16When I joined Polly, we were maybe 20, 25 people.
03:20We were just starting out.
03:22We had our trading platform out
03:23and we were just kicking off the pricing engine.
03:26And I started out in customer support and implementations.
03:32We were a team of two.
03:33So we got to know the system inside and out.
03:36Today, as the EV industry,
03:38we got to know the system inside and out.
03:40Today, as the EVP of transformation,
03:43I'm overseeing our processes
03:46from a foundation level at Polly,
03:49but also all of our investor network,
03:52all of the different buyers
03:53that are on our system for our customers
03:55and identifying new outlets for our customers
03:58and working with them to create investor spotlights
04:01and really highlight what their offerings are
04:04so that our customers can have their best pricing out there
04:08and be able to hit all those different unique scenarios
04:11for their borrowers.
04:12So I'm really excited to build that network out
04:15and develop additional tools for our investors.
04:18I think it's an area that really isn't touched
04:20by any technology providers today
04:23because they're sort of the forgotten ones.
04:25They're not the direct customers,
04:26but there's so much value to them
04:28that they bring to our mutual customers as a baseline.
04:35It was really important for me
04:37in figuring out what I wanted to do in my career
04:39through volunteering and expanding my network
04:43so that I can experience and learn as much as I can
04:46from people that have gone through it before.
04:50And once I sort of started gaining traction in my career,
04:54I wanted to do the same with other individuals.
04:57So I volunteer with the Alzheimer's Association,
05:01but I also do a ton of mentoring internally
05:03with Polly and then externally with different networks
05:06throughout the MBA and other mortgage associations.
05:09And it's really great to see all the different individuals,
05:13especially women coming together to support each other.
05:17And especially now that I have my 10-month-old daughter,
05:20sort of having her be able to see how you can be successful
05:25in a male-dominated industry
05:28and really like with the right support system,
05:32anything is possible.
05:37We've really dedicated a ton of time
05:40to creating a seamless and more efficient user experience
05:44for our loan officers.
05:45So these new features have helped them make faster decisions
05:49in determining the best option for their customers,
05:52giving them an advantage when rate changes
05:54and identifying those faster,
05:56being able to lock loans mobily in a volatile market
05:59and winning out over competitive rates.
06:01I think from a capital market side,
06:04we were really determined
06:05to get our brand new renegotiation feature out.
06:08I think it is world-class
06:10and we've gotten fantastic feedback on it so far,
06:13not only on the LO experience that we've developed
06:15and that new UI that's coming out
06:17as well as this renegotiation tool.
06:23I think there's a lot coming out with AI
06:26and the different pieces of technology
06:30that everybody sort of has been talking about
06:33but no one's really crafted a product for.
06:35I'm incredibly excited to see what we can do
06:39to make the investors more unique
06:42and help them offer pricing that's incredibly competitive
06:46in different pockets that they're looking for.
06:48So creating an investor API,
06:50creating additional products for our investors,
06:53creating analytics that will help them make those decisions
06:57to change their pricing based off of different niches
07:00and based off of what's being sold.
07:02We have a ton of different products
07:04that have been focused in on your traditional lender
07:08and those offerings from a loan officer
07:10and a capital markets perspective.
07:12So being able to pivot that to a different type of customer,
07:15I think there's a lot of green space for us to tackle
07:18and it's not something that people
07:20have really been tackling and focused on.
07:23So we're really excited to look at that.
07:25I'm excited to take our investor team to the next level.
07:28I think there's a ton of opportunity for us to grow it
07:31and really make something fantastic out of it.
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