SUMMARY:

• An innovative financial services executive and risk management consultant offering extensive experience developing, implementing, measuring and auditing performance metrics within the regulatory and capital constraints of the banking landscape. 25 years of risk management experience in retail lending, credit/market/liquidity and operational risk assessments, loan reviews, capital requirements, equipment leasing, and regulatory/compliance initiatives.
• Systems Experience: Fitch OpVar; Calyx; Teradata MDS; Fiserv; Jack Henry; Shaw; Bisys; Dicom; Genisis; MortgageWare; Microsoft Office; SharePoint and Multiple Legacy systems.
• Offering practical solutions to complex issues, able to grasp the big picture, focus on critical details, and prioritize multiple initiatives.
• Self - directed, proactive leader who can build and motivate high-performance teams, and cultivate strong partnerships with key stakeholders.
• Viewed as a trusted advisor and business partner to executive management.
• Committed to adding value and exceeding expectations through collaborative problem solving, attention to detail, intuitive business judgment, and disciplined decision making.

PROFESSIONAL EXPERIENCE:

Confidential, Cincinnati, OH

Risk Advisory Consultant

Responsibilities:

• Approved contractor (Resources Global, Experis, McGladrey, Grant Thornton, Robert Half, Young & Assoc.,TCS, Zero Chaos) engaged to assess, validate and/or audit Basel II capital components. Review existing internal governance requirements to meet overall regulatory guidelines on a project specific basis. Current assignments have been 3rd party commercial loan audits to meet internal credit criteria and external regulatory reviews .
• Currently performing 3rd Party Independent Commercial Loan Audits to meet internal credit guidelines and external regulatory reviews for Community Banks. Typically this involves assessing adherence to financial and regulatory reporting requirements, loan grading, and reviewing ALLL methodology and calculations.
• Tata Consultancy Services (TCS) assignment with PNC, 4th Quarter 2013 through 1st Quarter 2014. Evaluated existing Commercial Credit Risk Model. Performed Proof of Concept on three alternative models (Bosch, Pegasus, Moody’s) to augment or replace Legacy Model (champion vs challenger). Performed independent Commercial Credit Risk Assessment Stress Testing under existing Model .
• Wolters Kluwer assignment with Fulton Bank, 2nd Quarter 2012. Flood certification audit as part of a pre-purchase loan review. Reviewed all active commercial, consumer and residential mortgage loans with properties in a flood zone. Tracked flood determinations from closing to purchase date for uninterrupted coverage and adequate insurance levels on three different loan servicing imaging systems.
• Assessed FDIC “covered” assets sale of $2 Billion Carolina First. Adequate loan loss reserves were reviewed based on the loan composition of the portfolio; loan type; concentrations; grades; delinquencies, non accrual levels; loss experience; and relevant factors specific to the client’s market(s). - Evaluated the Market Risk of loss resulting from changes in the value of assets and liabilities (including off-balance sheet assets and liabilities) due to fluctuations in risk factors. The acquisition focused on regulatory compliance tolerances across all portfolio segments using the Bank’s Basel II and ICAAP methodology.

Confidential, Cincinnati, OH

Risk Advisory Services Consultant

Responsibilities:

• Consulted on banking and mortgage banking engagements with emphasis on Basel II, asset/liability risk management, regulatory/compliance audits, and loan credit review for regional, national, and international clients.
• Performed compliance audit related to the Bank Secrecy Act, Anti-Money Laundering Act with scope of review based on the Federal Financial Institutions Examination Council’s (FFIEC) BSA/AML Examination Manual. Audited compliance with U.S. Patriot Act including Office of Foreign Asset Control Act (OFAC) requirements. Evaluated overall integrity of the BSA/AML compliance program to include policies, procedures, and processes. Tested risk-based transactions for record keeping and reporting requirements (CIPs, SARs, CTRs and CTR exemptions and information sharing requests). Reviewed efforts to resolve violations/deficiencies noted in prior audits; provide adequate staff training; and the effectiveness of the suspicious activity monitoring systems.
• Audited potential acquisition of $400 million loan portfolio. Reviewed commercial loan portfolio and all classified assets for independent valuation and appropriate reserves. Compared rating system of selling bank to purchaser and noted exceptions. Recommended re-classification where necessary. Reviewed collateral and financials for debt support. Updated reserves for appropriateness.
• Over a three year period performed a comprehensive framework of the operational, governance and structural risk reviews and Basel II capital adequacy assessments for 200 lines of business owners. The goal was to codifying, standardize, implement and execute a consistent framework within Basel loss event types (i.e. fraud/information security; disaster recovery; business disruption/ recovery; IT hardware-software security; process management/client & information security) and Northern Trust’s risk appetite and risk policies arriving at an overall operational risk exposure and consensus building. Responsible for establishing the initial risk assessment footprint for each LOB. This involved designing, extracting and analyzing KRI’s to develop the data management tools and standards necessary to interface with the Bank’s operational risk software (Fitch’s OpVar) within the framework of its supervisory approved operational risk standards. Using a RCSA (risk control self assessment) and applying a PARC protocol (process, activity, risks and controls) loss reserves and frequencies were validated over a 1,3,5,7 and 10-year time frame.

Confidential, Dallas, TX

Senior Vice President

Responsibilities:

• Integrated correspondent bank’s (+100) end loan programs into $3 billion bank holding company by implementing standard products and procedures. Expanded scope to include mortgage bankers and nationwide brokers to create a new distribution channel. Negotiated contracts for potential acquisition candidates.

Confidential, West Harrison, IN

Senior Vice President, Chief Lending Officer

Responsibilities:

• Managed the lending function (commercial, residential, consumer) including loan operations, audit review, collections, and ORE management for a $130 million portfolio. Enhanced the FHLMC tier servicing rating.
• Boosted loan production 80% through automation, developing new loan products, adding investors, improving execution in the secondary market, and establishing a formalized training program.
• Increased pre-tax income by 250% to $750K, which represented over 50% of the bank’s total income.

Confidential, Cincinnati, OH

Vice President

Responsibilities:

• Solicited and underwrote commercial and residential loans in the Ohio, Indiana, and Kentucky markets through a network of 125 mortgage brokers. Conducted credit reviews and pre-purchase audits. Developed portfolio loan products for niche properties outside secondary market standards while underwriting these credits to specific investment and credit criteria. Located new branch sites for the existing franchise.
• Identified acquisition candidates, performed due diligence, and recommended purchase options to Board of Directors, leading to the successful acquisition of a $150 million per year Indiana originator.

Confidential, Hamilton, OH

Senior Vice President, Chief Lending Officer

Responsibilities:

• Directed the lending function including commercial, real estate, installment, loan operations, loan review and collections on a $300 million portfolio. Developed and updated loan policy guidelines to ensure asset quality and profitability including collection, recovery, and real estate / asset loss mitigation. Implemented loan growth and retention to meet corporate expectations, and initiated a construction loan program.
• Identified and established 75+ correspondent loan brokers in the Midwest, producing volumes of $150+ million in 1998 and 1999, a 300% increase over 1997 levels while reorganizing the entire division.
• Generated pre-tax income of more than $1.2 million in 1998 and 1999.

Confidential, Victoria, TX

Senior Vice President, Consumer Lending Manager

Responsibilities:

• Centralized, developed, and managed the mortgage function for a $4 billion regional bank with 42 branches in 35 communities. Formulated and introduced a one-time construction to permanent loan program serving home builders in 35 markets. Adopted universal laptop usage and configured three limited access markets.
• Increased retail production over 100% in 12 months, generating $50 million per month prior to acquisition with 85% representing purchases (not refinances) with an average pre-tax net income of 75 basis points.
• Implemented comprehensive secondary market enhancements, improving pricing through volume delivery, and minimizing document delivery exceptions.
• Created the bank’s fair lending initiatives that included creating an affordable housing department, which interfaced with Community Home Buyer Programs and grant funds.