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Credit Risk Manager Resume

Sacramento, CA


27 years of experience in analytical, strategic, technology, and leadership roles and seeking challenging positions in lending, risk management, analytics, or marketing.


Confidential, Sacramento, CA

Credit Risk Manager


  • Provide credit risk oversight, prevention, mitigation, and reporting on the credit union’s mortgage, home equity, auto loan, credit card, and personal loan portfolios.
  • This includes validation of underwriting models and criteria, vintage and static pool analysis, roll rates, Confidential migration trends, segmentation analysis, credit policy administration, exception monitoring and reporting, and expansion/opportunity analysis.
  • Re - engineered the Confidential management and reporting process using SAS and Microsoft products
  • Worked interdepartmentally to establish and manage pre-approval and credit line management programs

Confidential, Sacramento, CA


  • Built an econometric database and established environmental factor weights for ALLL analysis.
  • Conducted channel and product segmentation studies.

Confidential, Sacramento, CA

VP Consumer Lending


  • Grew the Confidential by over $3M in new loans while dropping the loss rate by over 10%
  • Established new staff and dealership incentive programs

Confidential, New Haven, CT

FVP/Director Confidential Analytics


  • Developed an open architecture credit data warehouse using SAS doubling reporting and analysis efficiency.
  • Involved in the creation of the “10 Minute Loan” program by streamlining the automated underwriting process.
  • Developed a behavioral model for real-estate based lending programs.
  • Sat on the Board of Directors for the Small Business Financial Exchange (SBFE)

Confidential, Bethpage, NY

Risk/Product Manager


  • Developed a suite of credit management MIS using MS-Access and established Confidential review meetings
  • Created credit card balance transfer promotions increasing outstandings by over $750,000
  • Implemented a new consumer underwriting scorecard improving risk identification and control by over 60%

Confidential, San Francisco, CA

Manager of E-Commerce Lead


  • Acquired over 200,000 accounts in the first year (700,000 total)
  • Created a 2nd account program allowing Providian customers to receive e-commerce products


Acquisitions Manager


  • Successfully managed the credit conversion of 4 portfolios totaling over $2 billion in outstandings
  • Helped reduce losses by over 20% with targeted credit policies and behavioral collections model application.

Confidential, Houston, TX

Senior Business Analyst


  • Established competitive risk-based pricing tiers using blended quantitative metrics.
  • Established credit culture by giving formal seminars, discussion groups, and individual meetings with operations staff.

Confidential, Baltimore, MD



  • Created a business leasing cross-sell program increasing loan growth by $1.5 million
  • Implemented an adaptive control system yielding a 50% savings in losses and “good” balance growth of 30%
  • Increased accuracy of credit card interest calculations for compliance and auditing assessment

Confidential, Long Island City, NY

Credit Policy Acquisition Manager


  • Reduced loss rates by over 30% and maximized profitability by over $2.5 million for AAdvantage, Confidential, Driver's Edge, Preferred and Classic portfolios.
  • Developed targeted market segments for AAdvantage, Confidential and Preferred portfolios.
  • Established research partnership between Confidential and Stevens Institute for master's thesis on credit segmentation.

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