Creighton Oswald, CMB

Creighton Oswald is a Certified Mortgage Banker (“CMB”) and financial services professional with 30 years of experience in mortgage and consumer lending, capital markets, risk and regulatory compliance. Creighton partners with Board, C-suite and senior business leaders to support strategic growth and transformation initiatives, solve complex operations and risk management issues, and drive greater efficiency and profitability within an organization.

Before joining FTI Consulting, Creighton’s career trajectory included tenured stops at Merrill Lynch, Daimler Benz, JP Morgan Chase, BBVA Compass (Now PNC) and Texas Capital Bank. Most recently, he served as Chief Lending Officer for consumer portfolios at First United Bank, where he was responsible for strategically driving origination’s growth, expanding the capital markets investor shelf and overseeing risk for the firm’s mortgage servicing asset.

Over the span of his career, Creighton has helped lead several de novo corporate lending and servicing startups inside U.S. federally regulated financial institutions. He has also coordinated major business transition and restructuring operations missions both in the United States and abroad. Internationally, Creighton was responsible for building and overseeing a $25 billion distressed asset lending and servicing operation in Mexico. In addition, he has coordinated both commercial and residential due diligence, acquisition and audit activities for U.S. institutional investors and in-country seller counterparties to drive strategic outcomes and mitigate financial risk across Latin America.

Creighton has managed mortgage fulfillment and servicing operations for agency, government and balance sheet portfolio lending businesses. He possesses a deep functional skillset across the risk, credit, compliance, operations, capital markets and portfolio management domains.

Creighton holds a B.S. in Political Science and a B.A. in Spanish with a minor in Japanese from Santa Clara University. He also earned an M.B.A. in International Finance and Management from Thunderbird School of Global Management and completed executive education at the University of Texas at Austin. He has studied abroad at Sophia University in Tokyo for undergraduate work and at La Universidad Autonoma de Guadalajara in Mexico at the graduate level. Creighton is fluent in English and Spanish, and strongly proficient in Japanese and Portuguese.

Relevant Experience:

• Managed a regional bank’s $16 billion mortgage and consumer portfolios with a focus on credit, margin, product mix and technology; led teams throughout the loan lifecycle to ensure portfolio growth and operational excellence; balanced the bank's risk appetite with portfolio quality, profitability and returns in lending operations
• Oversaw operational and compliance risk engagements for banking clients to support mortgage warehouse lending, mortgage servicing rights (“MSR”) financing, Government National Mortgage Association (“GNMA”) early buy-out (“EBO”) financing and non-conforming whole loan acquisition programs
• Developed and implemented comprehensive mortgage servicing oversight and compliance testing programs to support client investments in balance sheet and agency or government MSR
• Provided credit and compliance due diligence analysis, comprehensive market research, business planning and feasibility studies, and direct international customer management to support commercial and industrial lending facilities for a global financial services company