PROFILE

AVP-Risk Analyst with MIS, credit risk management experience and outstanding record of accomplishments for providing solutions that meet demanding time restraints and exceed expectations. Develop scalable solutions that dramatically improve data quality, efficiency and productivity, with demonstrated ability to define and map project scope, specifications, project timeline, resources, from point of planning through production, in both traditional and virtual environments.

SKILLS BASE

IT: UNIX and Windows Platforms; Databases: Oracle, DB2 Enterprise Data Warehouse;
Programming Languages: SAS 9 Base Certified, SAS Macro, SQL,PL/SQL
Data Tools: Brio, Business Objects, MS Office Suite (Excel Macro, Pivot Table, VLookup; Access; Word; Power Point; Visio; Project)
Foreign Languages: English, French (proficient); Spanish, German (basic); Romanian (mother tongue)

OBJECTIVE

MIS support professional with excellent communication, problem solving, programming and analytical skills which are used to reengineer processes and improve, looking for a challenging role to draw out, study, communicate, validate and complete necessities for statistical data to drive strategic decisions and changes to business practices and information systems.

PROFESSIONAL EXPERIENCE

Risk Analyst II / AVP (February 2009 – Present)
Confidential, Ohio – Home Lending Credit Risk Management

Reporting to Senior Vice Presidents, Credit Risk Executives and the head of Retail, head major initiatives, in charge of planning, development, execution and support of reporting tools designed to address operational risk.

• Design, develop and maintain SAS code to meet the challenges of advanced data manipulation, complicated programming logic, and large data volumes needed to build and maintain Futrix cubes and dashboards.
• Work with financial, loan, fraud, quality assurance, delinquency and loss data and systematically gather various business-wide data to assess the loan officer clawback, underwriter compensation and predict delinquency.
• Facilitate status meetings with developers and project stakeholders, present information on data gathering/manipulation, document and track dashboards development, enhancement and issue items.
• Identify, investigate and resolve data issues in the data warehouse environment.
• Advise customers within and outside the Credit Risk Group on data, warehousing concepts and reporting tools, address data sources related questions and train the customers on how to use the data.

Key Achievements

• Led the data development and rolled out the Loan Officer Dashboard in production, coordinating with subject matter experts in various geographic locations, influencing and executing senior management’s vision, developing solutions and directing efforts in a prioritized manner to ensure the project met the milestones.
• Co-led the data development of the Underwriter Dashboard, mapping out the structural design, leveraging existing data/processes to avoid redundancy and ensure efficiency, supporting 90% of the data that feeds the application.
• Researched, analyzed, developed business rules, captured and maintained the information for various government and bank refinance programs in the enterprise data warehouse.
• Aligned Agencies, Bank’s credit policies and underwriting guidelines with technology, initiating the development of program code for the systematical capture of products originated outside the policies, which resulted in the implementation of more efficient operational processes and improved credit performance.
• Initiated the capture of key credit risk data and worked with technology groups to set up the data feed in the application system, which increased the data quality on loan origination reporting in the data warehousing environment.

Risk Analyst I / Mortgage Officer (August 2007- February 2009)
Confidential,Home Lending Credit Risk Management

Reporting to Senior Vice Presidents, Credit Risk Managers and Executives, handled initiatives in the enterprise data warehouse to meet the needs of the customers related to business and processes.

• Conferred with users within different groups and locations to gain understanding of needed changes in the data or modifications of existing SAS programs on an ongoing basis.
• Resolved questions of program intent, data input, output requirements, and inclusion of internal checks and controls.
• Met with business and credit risk managers to understand the business needs, gathered technical requirements, translated and scoped out requirements into Business Requirements Documentation and liaised with the enterprise data warehouse Business Analyst to review the specifications.
• Worked with the Enterprise Data Warehouse team to create testing approach documentation and executed testing in the data warehouse environment for systems conversions and other Data Warehouse initiatives.
• Worked closely with business partners and various technology groups to help refine requirements and formulate effective solutions to enhance data quality and integrity.

Key Achievements

• Co-led the development, enhanced and maintained the Weekly Loan Origination Report with major impact on Credit Risk Management Strategy, Underwriting Operations and Control, Quality Assurance and Finance.
• Automated routine functions within the multi-step data extraction and execution process to output the Weekly Loan Origination Report, which improved the data delivery by 2 days.
• Researched and worked with the EDW team to enhance the Private Mortgage Insurance data in the EDW.

Sr. Lead Operations Specialist, High Risk Analyst (April 2005- August 2007)
Confidential,Ohio – Home Lending Default Loan Servicing

• Key member of a team of 4 that reviewed and investigated aged defaulted accounts that have been identified as possible posing a financial or reputation risk to the business.
• Conducted evaluation of the collateral value for Early Payment Default Home Equity products, performed loss/gain analysis and provided recommendation to senior management.
• Reviewed loan originations documentation for potential fraud and researched accounts for recourse against vendors and other business partners.

Key Achievements

• Improved communication among team members, internal departments and vendors, which increased the movement of the high risk accounts, and resulted in diminished financial losses and increased visibility of vendors performance.
• Researched and implemented additional sources of collateral information to enhance the loan decision process.

EDUCATION AND CERTIFICATION

SAS 9 Certified Base Programmer (2010)
Master of Business