Non-bank owned financial institutions portfolio risk officer, responsible for independently overseeing the management of credit risk exposures (including monitoring and reporting on aggregate credit exposures across groups, legal entities, geographies and jurisdictions) and the quality of credit risk management practices across the company.Ensuring adherence to enterprise-wide credit risk frameworks, policies and procedures that are aligned with Board-approved risk appetite.More… Show more Non-bank owned financial institutions portfolio risk officer, responsible for independently overseeing the management of credit risk exposures (including monitoring and reporting on aggregate credit exposures across groups, legal entities, geographies and jurisdictions) and the quality of credit risk management practices across the company.Ensuring adherence to enterprise-wide credit risk frameworks, policies and procedures that are aligned with Board-approved risk appetite.More specifically, responsible for the company-wide oversight of counter-party credit risk ("CCR") and ensuring that an appropriate risk management framework exists for the primary trading and lending desks along with products they offer. Functions include analysis, due diligence, underwriting and approvals of counterparties with which wholesale businesses want to trade and that are not covered by another line of business. Covered counter-party types include broker-dealers, mREITs, mortgage originators, GSEs, clearinghouses and exchanges, municipalities and non-profits. Show less

Underwrote and structured complex commercial credit to meet client needs, using credit analytics, capital formation expertise and sound business judgment.Investigated credit standards and determined credit worthiness of credits in an assigned portfolio.Utilized financial statements and reports for the specific area of business. Performed research and analysis related to loan projects, such as industry studies and management reports.Partnered with sales managers and… Show more Underwrote and structured complex commercial credit to meet client needs, using credit analytics, capital formation expertise and sound business judgment.Investigated credit standards and determined credit worthiness of credits in an assigned portfolio.Utilized financial statements and reports for the specific area of business. Performed research and analysis related to loan projects, such as industry studies and management reports.Partnered with sales managers and relationship managers to achieve segment goals, communicate risk parameters for potential deals, identified and cultivated selected prospects and negotiated deal structures and terms. Show less

Completed financial spreads and analysis using middle market and large cap financial statements while serving as lead anlyst for a group of credit analysts.Calculated compliance with the financial covenants included in clients loan document packages.Reviewed loan documentation packages and built necessary financial reporting and covenant requirements.Identify risks and communicate those findings to the front office.Ensure policies and procedures are adhered to.

Engaged customers with information and suggestions for new financial products. Originated mortgage, home equity, personal loans and auto loans.Provided quality solutions and financial analysis, while consistently meeting all compliance and regulatory guidelines.Assisted with closings on all new accounts.

Responsible for providing analysis of multiple companies’ finances for acquisition.Worked with clients to identify financial position of their specific business.Examined financial statements, tax returns, balance sheets, etc.Related and compared financial information from user databases.Generated reports from financial information and findings.Presented findings to management and clients.