Christina Guzzardo Email & Phone Number

Carpentersville, IL, US

Riverwoods, IL

• For newly developed Mortgage product, tested and identified issues using Origination System and Excel. Communicated to business issues and findings using MS Word and Excel.
• For Servicing of Mortgage product, tested and identified issues by Discover and third party vendor using servicing system and tracking in Excel.

Rolling Meadows

• Developed and delivered the Cost to Sell (CTS) strategy changes. Used JMP to compete the analysis and Excel to provide a test plan and script. Presented to Senior Management. Implemented July 2013.
• Completed Service by Other (SBO) portfolio analysis using SAS Enterprise Miner, Decision Trees.
• Trained two analysts to monitor CTS using SAS and SQL.

Managed analysts in a newly developed risk governance department, tracking and monitoring the consumer lending unsecured origination activity. Developed and delivered the unsecured origination dashboard, which tracked monthly loan volumes, average credit quality, and vintage performance of the portfolio two months ahead of schedule.Within one month.

Designed and presented risk policies and analyses to business partners and senior management according to strategic objectives. Portfolios analyzed were consumer lending revolving, sales finance, and auto finance. Supervised and mentored credit risk analyst.

Promoted to manage newly created department supporting the StrategyWare decision engine for a $22 billion consumer lending portfolio. Hired, trained, and managed analysts and structured department to support multiple business units, coordinate technical projects, lead software and bureau updates and sponsor architectural changes. Served as a liaison.

Supported new loan decision engine function for $22 billion consumer lending portfolio.Designed and developed the existing consumer lending scoring models and policies processed using the legacy COBOL program code to the PC decision engine, StrategyWare.Assisted and coordinated the scheduled launch of scoring models and policies acquired from Beneficial.

Analyzed, audited and reported data for a $1.7 billion wholesale mortgage portfolio.

- Coordinated the transition of all the Canadian reconciliations into the US Reconciliation Department and standardized the reconciliation methods resulting in increased efficiencies and quicker turn times.- Promoted continuously from Accounting Clerk (1992-1993), Senior Accounting Clerk (1993-1994), and Accounting Assistant (1994-1995) to Staff Accountant.

Supported mortgage servicing.

Processed HUD mortgages and adjustable rate mortgages, reported remittances to private mortgage investors, and reconciled corresponding bank accounts.