ARTHUR R.

HICKSON
Newport Beach, CA 92660
EXECUTIVE PROFILE Senior banking and lending executive with a thorough understanding of State and Federal lending regulations. Demonstrated track record of creating safe and sound lending policies and turning around mortgage operations from loss to profit during times of economic turmoil. Recognized as a specialist in mortgage industry, as an early proponent of new technologies, and for expertise in developing process improvements which create operational efficiencies. Experienced at communicating with and managing expectations of Executive leaders, investors, and Boards of Directors regarding financial performance and progress toward goals. o Adept at leading infrastructure planning committees and overseeing licensing, regulations, and loan documentation. Skilled talent manager with a reputation for recruiting, hiring, coaching, and retaining some of the highest performing sales producers in the mortgage industry. EXPERIENCE GENPACT MORTGAGE SERVICES, Irvine, CA 2011 (NYSE: G) Genpact Mortgage Services, a subsidiary of Genpact Limited, delivers specialized global mortgage support from locations in the US and abroad. Genpact Limited, formerly GE Capital International, is a global leader in business process and technology management services with more than $1.89 billion in total assets. Interim Vice President and COO Hired to a short-term position to turn around an underperforming operation; renegotiated client contracts, reduced expenses, increased efficiencies, and increased revenue per unit. Managed a team of more than 400 professionals responsible for end-to-end mortgage fulfillment, sales, marketing accounting, quality, human resources, IT, and product development within three delivery centers. Administrated SAFE Act Federal and State licensing requirements. Managed key client accounts including: Ally Bank, Citibank, MERS Inc, Glenworth, and Zions Bancorporation. Notable contributions: Led the turnaround of mortgage division from loss to profit; achieved a stabilized, positive cash flow within 6 months. Increased client production 55% through focus of key services. Enhanced process improvement 30% using Six Sigma Quality and LEAN process methodology. Reduced operating costs by 15% by initiating an internet-based automated underwriting platform. Increased contract revenue 8% through re-structuring of client incentives. AMERICAN FIRST CREDIT UNION, La Habra, CA 2010 2011 American First Credit Union serves more than 70,000 members and has more than $700 million in assets. Chief Lending Officer and COO Recruited to turnaround a troubled operation which was losing $12 million per year. Led a team of 120 professionals responsible for sales, marketing, underwriting, funding, loan serving, loan modifications, and product development. Oversaw the launch of products including mortgage loans, vehicle loans, unsecured loans, and share-secured loans. Championed the launch of customized loan mortgage products and ensured quality of all portfolio types including Consumer loans, Credit Card, Agency Conforming, Jumbo-Prime, Government FHA/VA, Reverse Mortgage and NonConforming. Presented reports on operations and financials to the Board of Directors at every meeting. Notable contributions: Directed turnaround of credit union from loss to profit; achieved stabilized, positive cash flow within 6 months. Created new products for untapped markets which multiplied revenue streams and increased footprint. Arthur R. Hickson Page 1 of 3

949.463.9242 ahickson1@aol.com

Raised loan production objectives 50% by creating a database management system. Expanded U.S. brand recognition 42% via sales conferences, trade shows, direct mail marketing campaigns, and effective targeted marketing. Launched an online underwriting platform and a marketing campaign which increased website loan submissions 36%. Managed Credit Union loan loss mitigation and modification divisions which included: o Managed loan default management, underwriting in loan modifications, mortgage and consumer servicing o Administered Credit Union, GSE, HAMP, FHA/VA loss mitigation programs o Directed customer complaint resolution and handling TMH CAPITAL, INC., Newport Beach, CA 2009 2010 Since 1983, TMH has been a provider of commercial mortgage and investment banking services. Past President and Current Member Board of Directors Oversaw new business development, sales, underwriting, marketing, accounting, quality, human resources, IT, and legal activities. Packaged all client projects for investor and lender review. Notable contributions: Raised funds from investors to recapitalize the company. Administered SAFE Act and CA DRE licensing requirements. Developed company website, brand, and marketing campaigns. KINECTA FEDERAL CREDIT UNION, Manhattan Beach, CA 2007 2009 Kinecta is the tenth largest credit union in the U.S. It serves more than 200,000 members in Southern California and has more than $4.4 billion in assets. Vice President, Mortgage and Consumer Lending Hired to improve lending quality, reduce risk in lending portfolio, and to work with the NCUA to improve lending guidelines. Led a team of 100 professionals responsible for sales, marketing, underwriting, funding, and product development. Upgraded and launched mortgage loans, vehicle loans, unsecured loans, credit card lines, and shared-secured loans. Ensured quality of all portfolio types including Consumer loans, Credit Card, Agency Conforming, Jumbo-Prime, Government FHA/VA, ALT-A, Reverse Mortgage, and Non-Conforming. Notable contributions: Oversaw an effective risk management program during a recession by restructuring sales and operations to maximize effectiveness during a falling real estate market. o Collaborated with Federal regulators to decrease future portfolio exposure while maintaining overall loan production levels. o Created new lending guidelines, policies, and procedures to guide the organization through a rapidly evolving financial landscape. o Reduced audit findings by improving quality control procedures. Increased the credit unions overall safety and soundness. Increased new product sales 30% by implementing new sales benchmarks and increasing employee training. Improved turn time 35% by improving the loan origination system. Increased brand recognition 28% by advertising in trade magazines and news publications, publishing press releases, and developing new products. Member of loan loss mitigation and modification committee which included: o Supervision of member escalated complaint resolution o Administered Credit Union, GSE, FHA/VA loss mitigation programs RESMAE MORTGAGE, INC., Brea, CA 2004 2007 ResMAE was a privately held national mortgage banker with 1,200 employees and monthly loan production in excess of $1.3 billion. ResMAE, a subsidiary of Citadel LLC, ceased operations in 2007. Senior Vice President, Sales and Operations Arthur R. Hickson Page 2 of 3

Oversaw a team of 800 professionals responsible for nationwide wholesale and retail loan origination. Managed sales, marketing, underwriting, funding, and product development divisions. Developed a POS loan origination system which enabled greater client control of loan submissions, tracking, and online communication. Notable contributions: Significantly increased sales of loan products from $50 million/month to more than $1.3 billion/month within 3 years. o Increased loan production 685% within 8 months by launching an aggressive sales campaign. o Grew annual sales 48% by opening 5 new branch offices. Increased web submissions of loan applications 50% by restructuring team incentives. Reduced operating costs 25 basis points by launching a web-based automated underwriting system. Drove client base from 100 to 3,800 business partnerships by strengthening client relationships. Reduced loan delinquency 2% by increasing employee training and streamlining processes. Improved quality control by improving interdepartmental communication and workflow processes. BNC MORTGAGE, INC., Irvine, CA 1997 2004 BNC was a national mortgage banker and subsidiary of Lehman Brothers which originated, purchased, and sold nonconforming and conforming residential mortgage loans; it produced more than $1.3 billion/month in loans. BNC ceased operations in August 2007. Regional Vice President, Sales and Operations Led a team of more than 400 sales and operations professionals in 30 regional branch offices in 17 states. Designed resultsoriented marketing strategies to increase product awareness and increase market share. Developed new products for previously untapped markets which multiplied revenue streams and increased BNCs footprint. Increased loan production objectives 38% by creating a database management system. Notable contributions: Organizational Turnaround/Growth Turned around an underperforming A-paper mortgage banking subsidiary, Americas Lender (now called Mortgage Logic). Turned around the Pacific and Western Regions from an underperforming region to exceed expectations. Served as a key member of the team that transitioned BNC from start-up to its $30 million IPO and eventual privatization. Sales Management/Revenue Generation Increased annual revenue from $30 million per month to more than $1 billion/month from 1997 2004. Lead approval of 3,700 new contracts with mortgage brokers. Launched an online underwriting platform and targeted marketing which increased web-based loan submissions 36%. Branding Expanded BNCs U.S. brand awareness 42% via sales conferences, trade shows, direct mail campaigns, and targeted marketing. Awarded the Spirit of Excellence Award for outstanding performance. Experience prior to 1997 at Novastar Mortgage, UC Lending, Inc., and The Home Mortgage Company is available upon request. EDUCATION PEPPERDINE UNIVERISTY, Malibu, CA B.S. Management

Arthur R. Hickson

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