David Mescher, Mba Email & Phone Number

West Des Moines, Iowa, United States

• Contribute as an SME to the Credit Abuse and First Party Fraud COE team and execute relatively large and complex projects with moderate to high risk for the line of business.• Develop and manage monthly business report which provides fraud risk management insights for various consumer lending line of business.• Develop data structures to drive deep dive analytics and understand the root cause of shifting trends.• Provide meaningful results to key stakeholders.

West Des Moines, Ia

• Report on and monitor Enterprise KRI’s for Risk Appetite reporting.• Successfully develop and manage relationships with business partners to resolve reporting variances and oversee implementation of reporting solutions.• Perform quarterly vintage reporting, reviewing for accuracy and trends, presenting results to management with high attention to detail and accuracy. • Execute reporting in a fast paced, high demand environment while balancing multiple priorities.• Presentation… Show more • Report on and monitor Enterprise KRI’s for Risk Appetite reporting.• Successfully develop and manage relationships with business partners to resolve reporting variances and oversee implementation of reporting solutions.• Perform quarterly vintage reporting, reviewing for accuracy and trends, presenting results to management with high attention to detail and accuracy. • Execute reporting in a fast paced, high demand environment while balancing multiple priorities.• Presentation of quarterly SEC results to management and create performance monitoring.• Respond to requests for ad hoc analyses and create specific customized reports with limited supervision.• Design and implement complex analysis for reporting purposes and present results to management. Utilizing solid problem solving skills to reach desired results. Show less

• Performed user acceptance testing and performance monitoring of Horizon life of loan model and provided analysis and recommendation for enhancement.• Created and shared monitoring reporting on credit metrics and conducted impact analysis and back testing to ensure model efficiency.• Performed complex analysis and partnered with business users on the use and application of loss model.• Directed work of lower level consultant and trained new users on Horizon and BRI models as well… Show more • Performed user acceptance testing and performance monitoring of Horizon life of loan model and provided analysis and recommendation for enhancement.• Created and shared monitoring reporting on credit metrics and conducted impact analysis and back testing to ensure model efficiency.• Performed complex analysis and partnered with business users on the use and application of loss model.• Directed work of lower level consultant and trained new users on Horizon and BRI models as well as documented operational processes. Show less

• Forecasted losses for the US Consumer Real Estate portfolio.• Led monthly loss forecast meeting and explained forecast variance and basis for forecast changes.• Completed quarterly Allowance for Credit Loss using validated model for submission to Corporate.• Communicated changes to other loss forecasters and coordinated the consolidation of monthly loss forecasting deck that was presented to executive management.

• Utilized SAS for reporting and ad hoc analysis.• Estimated loss reserves and repurchase tax rates for loans with Early Payment Default risk for Alt-A and Nonprime products.• Performed Basel Reporting on WFHM portfolios including HFI and HFS.• Developed Technical Specs of step-by-step process for performing quarterly Basel Reporting.• Implemented process improvements through use of SAS and automating spreadsheets.

Bs, Finance

Mba, Finance