SVP / Senior Credit Officer Risk SCO for - Municipals, NGO and Commodities

COO Office - Fixed Income

Prepared monthly and quarterly revenue forecasts of business and assessment against financial budget goals. Business point person for annual internal audits, annual OSJ exams, E&Y, FINRA and Fed Bank reviews. Implemented any audit recommendations and findings.• Uncovered approximately $1.2 million in Direct Purchase revenues for the Business as several DP’s were incorrectly booked in the system and implemented preventative procedures to help avoid these errors.• Designed and implemented a Banker transaction pipeline application that tracks activities, generating reports utilized to assist senior managers in Banker performance reviews and monthly revenue projection analysis.• Partnered as business point person for other groups outside of MPG.• Coordinated annual risk assessment for several third-party vendors and served as group admin for Bloomberg. • Prepared monthly and quarterly presentations for Senior Leadership Team, Market Risk, and Board of Directors.• Participated in the annual policies and procedures review and discussions for Public Finance and Sales and Trading.

Debt Caplital Markets (DCM) - SecuritizationManaged a five-member Risk and Monitoring Group. • Produced reports for internal and external distribution of the ABS, Conduit and DCM Origination business in NY, including: o Monthly Conduit Portfolio Investor Reports, distributed to Commercial Paper Investors, Brokers, Rating Agencies, prospective investors and Senior Managers o ABS, DCM Origination, Portfolio and Performance scorecards for Senior Managers• Analyzed and presented annual revenue budget and exposure and revenue projections; monitor Liquidity Cost associated with the Conduit Portfolio and report Basel I and Risk Weighted Assets for conduit portfolio. o Identified anomaly with Liquidity Cost formula, saving the department $6 million in Liquidity Cost.• Participated in monthly Regulatory calls and keep track of Banking regulatory changes and notify Management of changes that would affect the Conduit business.• Participated in pipeline management and coordinated with internal compliance department to determine what should be on the Bank’s restricted list.• Developed pricing database and pricing statistics report for the Origination group, resulting in better pricing tools.• Prepared high level analysis, statistical data and presentations of ABS deals and conduit portfolio for the Head of Securitization for the Americas and Asia; ran and prepared various stress scenarios for the conduit portfolio to check first loss limits. • Coordinated with IT in automation initiatives and system UAT, specs evaluation, and training of analysts.

Performed credit analysis of various municipal entities and presented renewals, restructurings and new transactions to Executive Credit Committee in NY and Head Office in Paris.• Reviewed and participated in negotiation of pricing, terms and related documentation for liquidity facilities, letters of credit, loans, natural gas prepaid agreements and ISDA/CSA.• Participated in structuring and evaluations of complex prepaid gas transactions. • Prepared RFP for liquidity through comprehensive credit analysis and prepared marketing presentations clients and financial advisors.• Participated in client due diligence calls and reviewed credit quality of municipal entities.

•Approved and reviewed derivative transactions (i.e. Interest Rate Swaps), letters of credit, liquidity facilities, bridge loans, and cash management products for Municipal Counterparties.•Participated in structuring and reviewing legal documents for derivative transactions, letters of credit, and liquidity facilities.•Reviewed credit quality of rated and non-rated municipal entities such as Hospitals, Universities (Higher Ed.), Airports, Cities, States, Water and Sewer Authorities, Toll Roads, Not-for-Profit organizations and Utilities.

• Performed credit analysis and evaluation of municipal entities (diverse sectors) and obtain approvals from Credit Executive for renewals and new transactions. • Participated in client due diligence efforts, maintenance of $30 billion portfolio, preparation of request for proposals, preparation of request for pricing, structuring / pricing on new transactions and marketing efforts. • Reviewed and participated in negotiation of related documentation for liquidity facilities, letters of credit, loans, participation and assignment agreements.• Pre-screened for renewals and new transactions in the Municipal Credit syndication market.• Prepared syndication modeling, allocation schedules, market analysis and sensitivity analysis.

Marketed and sold investment grade primary syndicated loan transactions to various domestic and international banks; loans included complex acquisition finance transactions, special purpose deals and facilities.Distributed highly visible acquisition finance transactions resulting in $18 million in additional banking business rewarded over the next year.Enhanced relationship with investors (banks) and clients as a result gaining opportunity to market and distribute transactions and gather market color for the loan syndication team and desk head.Pre-screened for renewals and new deals in the syndication market and identified additional cross selling opportunities such as secondary trading and credit derivatives.Prepared syndication modeling, allocation schedules, market analysis and sensitivity analysis.

Fixed Income - Risk ManagementAnalyzed credit exposure and credit line utilization for various fixed income products and assisted sales/traders in evaluating credit needs to ensure that appropriate credit was established.Prepared global month-end fixed income and derivatives credit control committee packages, risk and trend analysis for various Business Managers and Senior Risk Managers.Developed and coordinated various country and counterparty crisis management reports for Risk Managers and Business Managers during the Asian crisis highlighting transactions that carried high exposures.

Assisted Relationship Managers on day-to-day credit, marketing, administrative and transactional issues. Analyzed pricing structure for corporate finance deals and assisted Relationship Managers on proposals for corporate finance and transactional deals.Facilitated in marketing a wide array of corporate finance and cash management products to new and existing Insurance clients and provided all follow up support as required.

Monitored and controlled counterparty trading risk for approximately 2,500 credit lines on a daily basis and reported all excesses to Credit Executive.Prepared trading analysis to include identification of initial credit line requirements and the timely renewal of existing FX/FX options and gold options lines.Formulated and presented recommendations to Sales/Trading and Relationship Managers for potential FX netting customers by reviewing trading behaviors resulting in an overall reduction in credit exposure.