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Credit Risk Manager Resume

Sacramento, CA

SUMMARY:

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

PROFESSIONAL EXPERIENCE

Confidential, Sacramento, CA

Credit Risk Manager

Responsibilities:

  • 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

Responsibilities:

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

Confidential, Sacramento, CA

VP Consumer Lending

Responsibilities:

  • 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

Responsibilities:

  • 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

Responsibilities:

  • 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

Responsibilities:

  • 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

Confidential

Acquisitions Manager

Responsibilities:

  • 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

Responsibilities:

  • 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

Consultant

Responsibilities:

  • 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

Responsibilities:

  • 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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