Dave Ulrich Email & Phone Number

Hillsboro, Or, Us

Hillsboro, Oregon, United States

Manage credit policy, credit risk analysis and reporting. Responsible for Allowance for Loan Loss calculations (ASC 450 and ASC 310), capital stress testing, product-level prepay and default (PD, LGD, EAD) modeling for mortgage, auto, and credit card portfolios. Also, oversee post-funding loan quality review.

Algebra based physics night class. Two nights a week, three hours a night – alternating lecture and lab sessions. Designed curriculum including lectures, labs, and exams. Lots of midnight grading of exams and homework. :)

Beaverton, Or

Responsible for underwriting segmentation structure during a time of intense growth for unsecured product: over 60% YOY growth. Responsible for monthly reporting and quarterly pre and post-production audits.Supervise origination risk strategy for unsecured loans and lines of credit portfolio. Managing controlled risk expansion in targeted population of 30% going into 2014 (6.0 to 9.1MM).Maintain and develop line assignment strategy. Architect for Excel-based line assignment simulator to provide real-time underwriting support.

Support conversion related activities for both organic and partnership business lines, with emphasis on customer-friendly complianceResponsible for establishing financial data stream and communicating recent analysis for converting business lines up through senior Risk Management teamDeveloped an integrated process and performance dashboard for acquisition, customer management, and loss mitigation teams

Responsible for Orchard Bank (subprime) credit card online origination strategy involving display/banner advertisement, email, search, affiliate/partner sites and remarketing email campaigns.Managed controlled product ladder expansion into lower risk segments and high-risk market utilizing proprietary risk segmentation, launch of rewards product and development work on a partial secured card.Directed analytical support for a variety of online questions including an attribution model for multiple media, evaluation of DSP (demand side platform) vendors, and interaction between on-line and off-line marketing.

Instructor for entry-level physics class, also pre-calculus math.

Responsible for training and mentoring new analysts.Financial forecasting for various financial products and market segments, primarily credit card and installment loans. Periodic presentation to senior management of information and recommendations regarding current and/or future business strategies.

Managed a team of two analysts responsible for Risk Department forecasting and tracking for non-prime credit card originations through direct mail marketing. Responsible for maintenance and enhancement of data and forecasting infrastructure for the Risk Originations group.Involved in quarterly strategy of monthly direct mail campaigns totaling $150MM in annual budget.Managed name selection aspects of near-prime originations – established profitability in these campaigns within 12 months.

Managed mailing execution for monthly direct mail campaigns including strategic harvest recommendations, experimental test design, and name selection at the credit bureau.Participated in roll-out (testing, strategy and execution) of first custom risk scorecard for sub-prime direct mail campaigns.Converted name selection optimization infrastructure from Excel to SAS.Trained several new analysts on all aspects of mailing execution and general ad hoc analytics.

Enhanced Excel-based name selection optimization model for direct mail campaigns.Responsible for risk and response forecasts used to drive NPV expectations for monthly direct mail campaigns.Participated in maintenance of sub-prime financial forecasting model.