Steve Malloy

About Steve Malloy

I grew up in rural Pennsylvania as part of the first generation in my family to go to college—an experience that shaped how I approach both work and life. Coming from a place where resourcefulness and persistence mattered, I’ve learned to look at challenges from different angles and find creative, practical ways to move things forward.Professionally, that mindset has served me well. I enjoy the mix of strategy and problem-solving it takes to make deals work, build strong partnerships, and help teams deliver great results.Outside of work, you’ll usually find me behind a camera. Photography gives me a chance to slow down, see the world differently, and keep my creative instincts sharp—skills that often find their way back into how I approach my professional work, too.

Experience

1. Senior Director - Head of Small Balance Lending & Production Operations

   Freddie Mac

   Sep 2022 — Present · McLean, VA, US

   I lead both Freddie Mac\'s Production Operations team and Freddie Mac\'s national Small Balance Lending origination team, overseeing $2B+ in annual production focused on workforce housing. My role combines strategic leadership with operational execution—building high-performing teams, driving profitability, and strengthening our market position in the small balance multifamily space.Key accomplishments:• Lead national origination team of 18 professionals generating $2B+ in annual loan volume, delivering strategic growth in workforce housing and exceeding affordable housing goals.• Orchestrated cross-functional partnership with capital markets and credit teams to restructure product offerings, reversing program losses and improving return on equity by 10+ percentage points.• Designed and implemented comprehensive performance management framework across Production & Sales, increasing loan processing capacity 50% while maintaining zero headcount growth and reducing cycle times.• Established enterprise risk and compliance framework for Production & Sales, embedding proactive controls and procedures that achieved zero material audit findings while maintaining aggressive growth targets.What I love most about this role is the dual impact: delivering strong financial results while expanding access to quality affordable housing across the country.

Education

• Saint Vincent College

  Bachelor of Science - BS

Skills

• Loan Structuring
• Underwriting
• Financial Accounting
• Management
• Credit
• Industry Analysis
• Financial Analysis
• Analysis
• Commercial Banking
• Loans