• Moved to Minneapolis area.

• Loan Profitability: collected data online and from manual records, identified life-cycle revenue and costs, selected products that promoted strategic goals, created risk-based pricing to increase profitability by more than 200%.• Regulatory Compliance: researched regulations and historic findings, identified areas of non-compliance, created missing and updated existing policies, built software for procedure enforcement and trained employees to satisfy regulatory concerns.• Credit Risk Analysis: incorporated credit, industry, and performance data to enhance underwriting strategy, increased approval rate by more than 300%.

• Credit Risk Strategies: Acquisition, Line Management, Plastic Issuance, Account Closures.• Entrepreneurial: company partnered with Sprint; dissolved with T-Mobile merger.

• Credit Risk Management: created credit risk policies and procedures for new bank charter, maintained no adverse regulatory findings with minimal technical exceptions for 9 years.• Credit Risk Strategy: utilized vintage champ/challenger methodology to manage credit risk life-cycle strategies, including acquisition, limit assignments, authorizations, account management, marketing, collections, recovery, and fraud.• Credit Risk Monitoring: developed new key performance metrics for monitoring new clients that saved the company more than $3,000,000.• Credit Risk Reporting: created a reporting database that became the foundation for an enterprise data warehouse and automated enterprise-wide reporting that was recognized with multiple company awards.• Cross-Functional Teams: assisted sales in explaining credit risk strategies to potential clients, helped marketing with campaign selections, and fielded ad hoc reporting requests from other departments.