Started an accounting and tax reporting business• Organized a start-up business of accounting and tax reporting services including forming a corporation, obtaining business licenses, hiring staff, renting an office space • Negotiated and purchased three businesses from retiring proprietors and assimilated the customers• Organically grew the business by 25% even during the COVID-19 environment

Created, staffed and managed Net Credit Loss Management Group responsible for the calculation and reporting of credit loss for Home Loans• Lead a key cross-functional area that was responsible for managing the credit loss processes, and communication among Finance (accounting and reserving), Servicing Operations, Risk, and Loss Forecasting on balance sheet charge-off• Inherited five MRAs (matters requiring attention) from OCC exams from previous years for FFIEC related issues. Received lift of MRAs from OCC through improved policies and processes, and remained free of regulatory issues through multiple exams• Created, implemented and managed the combined first and second lien charge-off policy for Home Loans including the collateral valuation policy and processes that improved the accuracy and reduced the volatility of the collateral valuations to cut the loss reserve amounts by over $200 million • Managed implementation and on-going improvement of the credit loss management software that automated the calculation of the charge-off amounts across multiple servicing platforms. The collaboration between us and the technology group is touted as an example of well-functioning process by the technology group• Contributed to CCAR submission by providing the data and the business process understanding needed for model development. Devised the method to validate the CCAR models by recalculating the historical loss amount using the current credit loss accounting policy• Created the full lifecycle loss report for different disposition methods for understanding the differences in the foreclosure (REO), short sale, 3rd party sale, and auction processes. Sparked the reorganization of the fragmented servicing charge-offs functions to come under single management group• Lead employee satisfaction survey results within the loss forecasting group with numbers far above the Bank of America average for 4 years with top results in leadership and management attributes

Developing new greentech projects related to ethanol, biodiesel, biomass, solar, and wind. Managing bank and investor funding.In the process of developing multiple renewable energy projects with budget over $200 million in US and Asia. Actively searching and bidding on distressed asset opportunties in biofuels business in US.

Implemented new underwriting, third party management, and fraud policies to reduce the loss for Subprime loans through extensive data analysis. Had cut the first payment default rate by 80% in 12 months. Implemented new loan underwriting and third party management policies that was expected cut the future delinquency rate by over 80%. Selectively reduced over $18 billion (over 30%) of outstanding HELOC commitment loan amount through profitability analysis without effecting the deposit amount of the bank customers. This HELOC credit line reduction program had forecasted loss savings over $350 million. Implemented new collections scores and strategies for the entire WaMu mortgage portfolio (over $200 billion) including champion/challenger processes that saved over $95 million in the first 7 months of the program. Also implemented cash flow maximizing loss mitigation processes to control the foreclosure while reducing the loss to the bank.

Created and managed credit risk management group. Implemented SAS, began relationship with MARI on fraud, implemented fraud score, started using LoanPerformance data and models. Built credit risk management database and monthly reporting package. Implemented third party monitoring system.

Senior Vice President Credit Risk ManagementDeveloped portfolio performance forecast methods to value portfolio acquisitions. Using these methods played a key part in acquiring over $10 billion of manufactured housing portfolios. • Developed and implemented the new pricing process for launching new lending programs using the hazard modeling process that predicted not only likelihood of default and prepayment but the timing of the events. • Revised underwriting SOP with new risk-based pricing strategy; application credit score in matrix with front-end bankruptcy score (cuts based on profitability). These steps had saved over $4 million in the first year and $14 million in the second year of implementation. • Revamped the repossession refinancing program and improved delinquency performance by 25% and loss performance by 50%. These steps had saved over $16 million in the first year and over $30 million in the second year.• Restructured the collections loss mitigation policies and process by bringing in the quantitative benchmarking, profitability (cash flow) analysis, and loss mitigation impact on delinquency numbers. Implemented custom bankruptcy scores, one-cycle collection score, foreclosure score, portfolio forecast models (prepayment, delinquency and repossession) and recovery scores for charged-off account management.• Managed restructuring of lifecycle credit risk management of Transportation Division that financed truck and trailer loans and Equipment (office equipment) Leasing Division.

Risk Manager for TRIAD, Corporate and Business Cards, and New Ventures• Conceived and pioneered development and implementation of transaction based risk models. • Launched and managed risk of commercial card products including Small Business, Corporate, and Purchasing Cards in United States and Canada in a joint venture with Carlson-Wagonlit Travel. • Completed General Management Training Program from 1992 to 1994 that was designed to develop future leaders through work rotations in all business units and corporate functions.

Lieutenant, United States Navy Civil Engeer CorpOfficer in Charge of ConstructionOfficer in Charge Detail Sasebo, Naval Mobile Construction Battalion 3

Designed offshore oil platform in joint venture setting with Flour Engineering in Houston, TX. Lead team of 3 structural engineers.