Brad Twarowski Email & Phone Number

Libertyville, Illinois

Chicago, IL

• Direct execution of Stress Testing Models for $57 B Retail and Commercial loan portfolio, fulfilling the obligations of Comprehensive Capital Analysis and Review (CCAR) and DFAST Regulatory Stress Tests.
• Transformed Credit Card and Other Real Estate Owned (OREO) qualitative loss forecasting approaches resulting in quantitatively based methodology.
• Manage 3rd party vendor accountable for Stress Testing $12 B purchased loan portfolio.
• Interpret and deliver loss forecasting results for challenge by Executive Management and Board of Directors.
• Author loss forecasting methodology and results components of Capital Plan and FRY-14 Narratives submitted to the Federal Reserve Board and OCC.

Riverwoods, IL

• Direct offshore analytics team in the development, review, and automation of analyses to monitor the performance of $5 B portfolio of Private Student Loans in Repayment Status.
• Develop, implement, and track the performance of alternate payment programs, focused on alleviating heavy debt burdens of delinquent and performing-but-distressed borrowers.
• Create and deliver executive level presentations displaying the recent trends in portfolio performance, utilization of alternate payment programs, and progress of the development of new alternate payment plans.

Mettawa, IL

• Develop, review, and track performance of 11 loan loss forecasting models used in management operating plan for $60 B liquidating portfolio of consumer and mortgage loans. Perform analyses to determine reasons for.
• Apply macroeconomic stress scenarios to loss forecasting models in order to extend the delinquency and loss prediction period from 2 to 10 years.
• Provide quarterly judgmental reserve forecast used to establish the ALLL reserves for each consumer and mortgage loan portfolio.
• Coach and develop a team of Lead Analysts to meet the established goals of the Loss Forecasting Group and enhance their personal and professional skill set.

Mettawa, IL

• Managed the sale of 13 whole loan pools on the Secondary Market totaling over $4 B in unpaid principal balance. Utilized portfolio product knowledge to select and assess the marketability of each pool.
• Directed a cross-functional, cross-business team comprised of 12-15 individuals responsible for transferring the servicing of loans sold to 3rd party investors.
• Managed relationships with 3rd party investors to ensure accurate data interpretation at bid and servicing transfer. Acted as primary contact for all data and servicing related inquiries.
• Analyzed profitability of loan portfolios using proprietary and 3rd party valuation models to forecast delinquency, loss, prepayment, and yield.
• Developed a Home Equity Line of Credit risk-based pricing strategy, employing internally developed lifetime loss, voluntary prepayment, and utilization rate models. The updated pricing expanded credit offerings to.
• Created monthly credit profile reports targeting specific customer and product segments for the mortgage portfolio, which provide early indications of changes to future default rates.

Mettawa, IL

• Developed subprime and near-prime real estate products (Fixed and Adjustable Rate) by establishing credit policy criteria, forecasting incremental loan volume, and projecting default and loss rates; resulting in a 50%.
• Created and implemented quality control reporting used to monitor variances to underwriting policies and rate the performance of the staff approving those variances.
• Developed early stage delinquency collections strategies for subprime unsecured loans and lines of credit using CHAID analysis to identify loan characteristic segments with similar predicted probabilities of payment.
• Implemented internally developed behavior scores which predict the propensity of delinquent customers to make a payment and analyzed performance to ensure appropriate customer segmentation. Behavior scores were an.

Master Of Science, Applied Statistics

Bachelor Of Science, Mathematics

Bachelor Of Science, Political Science