Carl Printer Email & Phone Number

Toronto, Ontario, Canada

Provide risk advisory to core Canadian operational units including Third Party Management, Terms Management, Customer Channels, Payments, and Fraud

Toronto, Ontario, Canada

• Led reviews on 20+ lending policies and 50+ associated documents to streamline and improve audit results• Monitored general market and competitive landscape for product and program enhancement opportunitieso Drafted four proposals in first six months to increase the Bank’s competitive advantage• Created Excel-based monitoring dashboards to improve transparency and cross-functional SLA tracking• Provided research and data analysis in support of proposals projecting $13 million+ in annual revenue generation

• Agile project manager who led multiple competing strategic and operational initiatives within Credit department o Researched, proposed, and executed a project meeting cross-functional dependencies and technology requirements across top three business units by size, saving over $100k per year through automationo Created/advised/trained cross-functional teams of managers and line staff from credit underwriting and portfolio management on new Salesforce tools and SOPs related to Bank’s COVID-19 response• Developed and managed a team of three direct reports and cross-functional teams of managers and line staff on department audit preparedness assessments (e.g. regulatory compliance gap analyses, self-auditing, etc.) and remediations, SOX/RCM management, and SOP maintenance (200+ documents) to scale Chief Credit Officero Served as department liaison between internal and external audit groups and regulators, successfully pre-empting findings (~70% reduction) and remediating multiple process- and business unit findingso Directly contributed to saving ~75% of executive management time through improving audit-related workflows and taskso Developed KPIs and value drivers to generate, track, and leverage operational data to drive staffing decisions • Supervised Executive- and Board-level Credit corporate governance committees and supported first lines of defense on reporting and governance requirements

La Jolla, Ca

• Redesigned end-to-end processes and built an LOS to streamline communication/scale production for two largest commercial lending units; assessed credit risk factors/developed SQL-based risk models for two units• Managed Single Family Portfolio Underwriting Guideline overhaul, subsequent training, and performed QA audit of over 650 loans ($750MM) resulting in improved regulatory exam results within ten months

La Jolla, Ca

• Spearheaded cross-functional audit on 700 loan applications; identified training/system enhancement opportunities utilizing lean six-sigma resulting in 60% improvement in process efficiency for Bank’s largest portfolio product• Underwrote over $31MM in income property and single-family mortgage loans for both GOS and Portfolio programs (to include Reg. O loans), while training 5 new underwriters and assisting with LOS migration and debugging• Led QA/QC audit on 4 top correspondent lenders to verify compliance with Bank and federal lending policies; completed in-depth quarterly reviews/recertifications and boarded new warehouse lenders applying for $35+ million in credit• Conducted 34 asset reviews to include income and repayment forecasting, and monitored, as lead analyst, Bank’s CountryWide and Fannie Mae portfolios ($500+ million) to asses and generate asset performance/collection strategies• Managed 6 analysts in processing insurance claims and post-funding covenants ($40+ million) and associated wire payments• Key contributor to internal asset report provided to senior management and the Board; drafted and streamlined 12 management procedures and identified training opportunities for new analysts

• Provided critical administrative support to include budget analysis/grant management to ensure compliance with US Department of Education grant totaling $250,000+• Created curriculum/curated content to script a new 8-module online exporting course in support of city’s San Diego Go Global Initiative, engaging multiple stakeholders at local, city, regional, and state levels; performed strategic project branding and created/disseminated promotional material for 3 signature projects across 17 CIBERs at universities nationwide• Performed candidate interviews, drafted in-depth training manual, and assisted with onboarding new candidates

Bachelor Of Arts - Ba, International Business, Graduated

Activities and Societies: National Society of Collegiate Scholars, Phi Kappa Phi, Phi Eta Sigma, Golden Key International Honour Society.

Bachelor Of Arts - Ba, Economics

Activities and Societies: National Society of Collegiate Scholars, Phi Kappa Phi, Phi Eta Sigma, Golden Key International Honour Society.

International Exchange, International Management