SUMMARY:

• Streamlined presentation of Correspondent Lending Scorecard to achieve 20% reduction in charge offs and delinquencies according to 2011 Confidential Call Report.
• Improved loan delinquency ratio from 4Q05 to 1Q06 resulting in $150 million recovery of potential losses.
• Managed $200 million portfolio of Asset - Based Lines of Credit for Large and Mid-Market clients.
• Consistently achieve less than 1% in credit losses by efficiently restructuring problem loans and applying sound risk mitigation procedures.
• Subject matter expert for Safety and Soundness Audits of 6 Confidential under Confidential Loss Share Agreements.
• Prepared and managed all aspects of Confidential Program of Confidential with no direction from Central Budgeting Office.

TECHNICAL SKILLS:

CORE STRENGTHS: Financial Credit Risk Analysis Policy and Procedure Development Timely Project Completion Regulatory Compliance Quantitative Analysis Portfolio Mgmt & Asset Allocation Optimization Resource Management Relationship Mgmt.& Team Building Risk Awareness/Modeling/Management Statistical Analysis Conflict Resolution Program and Product Performance Assessment

AREAS OF EXPERTISE: Government Finance Asset Based Lending Commercial Banking Commercial and Residential Real Estate Financial Institutions and Operations Safety and Soundness ProceduresLending Documentation Counterparty Risk Mortgage Backed Securities Capital Markets Mezzanine Syndications Correspondent Lending Improved DSO and Payable Turns Troubled Debt Restructuring and Collections Bilateral Agreements Structured Finance Scorecards Mortgage Insurance Asset Quality Capitalization Federal and NC Tax Laws Tax Collections Seminar/Training Modules Development System/ Software Implementation Project Finance Budget and Variance Analysis Forecasting Regression analysis econometric modeling beta testing R ANALYTIC

TECHNICAL PROFICIENCIES: SAS FAST CORE BANKING SYSTEM SAS SIEBEL WINFAST MOODY S FINANCIAL ANALYST BASEL II STAN FAMAS bloomberg MATLAB advanced Analytics software Packages B EACON XTND FISCAL ORACLE E - PROCUREMENT NOVELL MIDAS STUCKEY APS WORD EXCEL MORNINGSTAR DIRECT.

PROFESSIONAL EXPERIENCE:

Confidential, Raleigh, NC

Sr. Finance Officer

Responsibilities:

• Prepare financial models for forecasting revenues and expenses for short and long-term planning.
• Support Budget Manager for revision and monitor Budget Administration and special projects and initiatives.
• Annual and Quarterly Budget Certification activities.
• Grant management, reconciliation and reporting to Grant Sponsors.
• Established appropriations for Federal and State Matches.
• Program liaison with Central Budget Office, Contract administration, Purchasing, and Accounts Payable.
• In-depth knowledge of Contract Writing and Program Financial Administration.

Confidential, Raleigh, NC

Project Manager/Sr. Consultant

Responsibilities:

• Subject matter expert in Investment Risk Management, (Liquidity, Equity, Debt and Portfolio) reviews and Internal Controls.
• Coordinate, analyze and create detailed reports of Investment and Line of Business portfolios and projects.
• Measure risk appetite and collaborate with Risk and Security Teams to develop policies and risk management strategies that line up with company’s overall goals.
• Establish and implement processes and methodologies with Finance and IT teams to ensure projects meet deliverable deadlines, stay within budget, adhere to high quality standards and correspond to client requirements and expectations.
• Responsible for portfolio prioritization, resource management activities, data analysis, metrics reporting, project progress and accomplishments presentations for clients on a regular and consistent basis.

Confidential, Raleigh, NC

SVP/ Portfolio Manager

Responsibilities:

• Reviewed over 100 banks, thrifts, credit unions (correspondents) monthly for investment and financial portfolio risk.
• Estimated and determined acceptable risk criteria using financial ratios, profit, leverage, regulatory compliance, with Confidential and Confidential, financial statements, intelligence reports, Dun & Bradstreet information, credit reports and other required documents.
• Integrated Confidential, FHLMC and other regulatory underwriting guidelines to create tighter credit structure.
• Streamlined presentation of Correspondent Lending Scorecard to reflect industry standards and accurate information on performance of loans.
• Achieved 20% reduction in charge offs and delinquencies according to the 2011 Confidential Call Report.
• Increased number of banks purchasing loans from 50 to 300 in 12 months.
• Utilized advanced portfolio modeling, risk and optimization tools including Matlab, Excel and SAS.

Confidential, Washington, DC

Risk Management Consultant

Responsibilities:

• Subject matter expert for Safety and Soundness Audits for 6 Confidential under Confidential Business and Investment Portfolio Loan Contracts.
• Trained, supervised and coached 8 - 12 rotating consultants. Ensured bank investments maintained compliance with internal investment portfolio policies, federal regulations and best practices by focusing on meeting investment criteria accurately and consistently.
• Proposed mitigation techniques and additional covenants requiring follow up on documentation such as updating financial documents and placing junk bonds and other low grade debt and equity on Watch Lists as needed.

Confidential, Washington, DC

EVP/Chief Credit Officer

Responsibilities:

• Brought Bank into full compliance with lending regulations, investments exceeding Supervisory Limits and in managing Concentration Risk in the Equity and Municipal Bond portfolios.
• Able to remove the MOU with Confidential .
• Confidential ’s Investment Policy Manual to reflect changes to underwriting criteria, approval authority, guidelines for return to accrual status and many other areas. Supervised 3 direct and 10 indirect staff.
• Presented special management reports including ALLL, Migration Analysis, Portfolio Concentration, and Documentation and Policy Exception to Directors’ Loan Committee.
• Recommended risk tolerance levels on Confidential Portfolio. Used SAS to forecast losses in Consumer Loan Portfolio.
• Managed Credit Administration, Workout /Collections and Loan Operations Departments. Streamlined credit approval to eliminate redundant processes. Created special models to predict default rates.

Confidential, San Francisco, CA

Team Leader

Responsibilities:

• Pre-screened and assigned new accounts.
• Established turnaround time, verified accuracy of outstanding exposures and ROI based on expected credit usage and RAROC.
• Set team production goals and performance levels for accounts.
• Received endorsement from Risk Management for improving the layout of Loan Presentations for new lending relationships.
• Established additional warning triggers in covenant monitoring on loan accounting system. Improved loan delinquency ratio from 4Q05 to 1Q06 resulting in $150 million recovery of potential losses.

Confidential, New York, NY

SVP/Chief Credit Officer

Responsibilities:

• Recruited for newly created Senior Manager role to train and manage all Bank Credit Departments and serve as member of Sr. Credit Committee.
• Reviewed and critiqued $1-$15 million facilities in Confidential, Residential, Confidential 7a and 504 loans.
• Screened and brokered wholesale deals for purchase and assignments to analysts.
• Restructured all Credit Departments. Improved deal turnaround time in Residential RE from 180+ days to 30 days.
• Successfully implemented FiServe Loan Processing Software and Fair Isaac FIFO scoring for Originations Dept.

Confidential, New York, NY

Senior Commercial Portfolio Manager

Responsibilities:

• Underwrote and assisted junior underwriters in new Commercial transactions up to $15million.
• Prepared monthly portfolio reviews and asset quality reports.
• Identified deteriorated credits, covenant violations, and restructured over $50 million in over-advances to amortizing term loans.
• Significantly improved portfolio quality and risk ratings.
• Cross-sold Trade Finance, Cash Management, Fixed Income & Foreign Exchange to new and existing relationships.