● Lead group responsible for the the performance of annual and periodic loan reviews, including financial condition and performance of obligors, compliance with loan requirements, and other factors to recommend a risk ranking and provision levels.● Identify and present CRF’s corporate credit risk to senior leadership and board members.● Participate in researching, design, data capture, structuring and implementation of improved risk reporting, workflow, and productivity tools. This includes the programming and development of Power BI workspaces through the writing of SQL, Power Query M, and DAX.● Participate in research, design, structuring, and implementation of new lending productsutilizing historical and forward-looking datasets.● Lead portfolio management activities of CRF's multifamily affordable housing program.

● Develop and prepare reports to provide insight into loan portfolio delinquency, loss and recoveries; assignments; problem loan and portfolio reviews; Loan Loss Reserve levels and adequacy; and other key credit risk factors for the benefit of investors and CRF executive leadership. ● Research, design, structure, and implement improved risk reporting, work flow, and productivity tools.● Performed periodic loan reviews to analyze the financial performance of business loan obligors● Monitored obligors’ policies and practices to ensure compliance with loan requirements and optimize performance of an $850 million portfolio consisting of 700 commercial loans● Supported asset management processes in handling foreclosures, bankruptcies and REO management

● Monitored obligors’ policies and practices to ensure compliance with loan requirements and optimize performance of a $250 million portfolio consisting of 100 loans and $750 million in bond issuances.● Implemented new compliance policies and procedures as a Qualified Issuer of a recently created bond guarantee program through the United States Department of the Treasury● Managed and drafted comprehensive annual reports of various national Economic Community Development Financial Institutions to be used by United States Department of the Treasury for program and industry data

● Performed periodic loan reviews to analyze the financial performance of business loan obligors● Supported asset management processes in handling foreclosures, bankruptcies and REO management● Supervised asset managers’ day-to-day portfolio management of CRF’s multifamily affordable housing projects, SBA 7(a) small business lending, and other commercial lending programs● Negotiated and drafted various types of loan term modification proposals● Led ongoing discussions on company strategy in an advisory role to special asset borrowers● Facilitated the sale of multiple investor portfolios● Modeled, analyzed, and presented portfolio data related to evaluation of borrower performance risk

Collected and managed over 10,000 accounts for Optum’s clearinghouse, ENS; Used Sage ERP Accpac and GetPaid software to review and manage customer receivables; Negotiated payment plans with various hospitals, doctors, and billing companies for collections; Helped oversee the consolidation of Optum accounts receivables to a single collections team

Analyze both US and international companies for credit risk default; Conduct financial and industrial analyses of numerous mid-sized and large companies; Use Excel and Access databases to analyze financial data; Review credit history and made future credit projections to determine a line of credit

Translated Latin American financial statements and notes for credit risk analysis; Communicated with small to mid-sized businesses in Mexico to secure various financial documents; Contacted accounts payables departments of mid-sized to large companies regarding past dues; Used JD Edwards, Stellent, I-many databases to resolve Accounts Receivable disputes