Independent consultant and subject matter expert in Loan Review, Appraisal Review and Credit Risk Analysis. Short-term engagements at Community Bank and Municipal Credit Union clients.• Loan Review according to FDIC and OCC guidelines and institution Lending Policies.• Appraisal reviews according to FDIC and OCC guidelines and FIRREA regulations.• Credit Analysis in accordance with Institutions Lending Policies and guidelines.

Analysis of credit risk of CRE, C&I, SBA and residential mortgage loans to ensure acceptable credit standards are maintained and that all loans conform to established policies and regulatory guidelines. Detailed analysis of ALLL requirements on an individual loan and portfolio basis. Subject matter expert in regulatory compliance for FDIC and OCC regulated institutions.Subject matter expert for appraisal reviews to ensure compliance with FIRREA and regulatory guidelines.

Senior position responsible for all aspects of the bank’s Credit Risk Review program.Ensures the timely and accurate execution of internal and external Credit Risk Review. Loan review of bank’s credit portfolio. Validation, of assigned risk ratings. Examination of troubled asset portfolio.Commercial and residential appraisal review. Loan portfolio reporting with enhanced monitoring, evaluation and analysis.Utilized as Subject Matter Expert in training of Credit Analysts with emphasis on detailed financial analysis and enhanced industry and regional analysis to ensure sound credit practices.

Senior position responsible for administration of credit risk management of the Bank’s loan portfolio.Oversee the company’s loan portfolio with respect to to credit risk management considerations in order to maintain asset quality, minimize losses and maximize profitability. Prepare and analyze ALLL, assessing the adequacy of the bank’s reserves and PLL. Asset migration analysis and reporting. Stress testing and scenario testing of loan portfolio on both a macro and micro basis. Loan review program developed and implemented with reporting responsibilities to Bank's Loan Risk Committee. Commercial and residential appraisal review .Chairman of the Loan Risk Committee, established to closely monitor the Bank’s loan and servicing portfolios, manage credit risk, and set expectations for spreads on sales into the secondary market.

Chief Credit Analyst and Manager of Credit Administration department for rapidly expanding Mutual Savings Bank (formerly Ridgefield Bank) that experienced 250% asset growth during tenure.Established bank's Credit Administration Department as an independent entity as per the direction of regulators. . Implemented bank’s Loan Pricing system, integrated into CRE and core systems. Commended by FDIC and Board of Directors for its effectiveness and cost effective and timely implementation.Managed staff of Senior and Junior Credit Analysts, with emphasis on development and training utilizing strong knowledge base and mentoring skills in financial analysis, loan structure and strict adherence to regulatory and policy guidelines.

Management of all cost accounting activities for manufacturer and exporter of high voltage test equipment. Responsibilities included annual multi-location physical inventory and reporting responsibilities.

Management, supervision and administration of the credit functions: receivables, collections, trade-in/warranty exchange program, testing and evaluation/loan program.

Financial analysis, analyzing credit risks, portfolio management, assessing credit history and providing determined analysis for portfolio of customers in bank's Factoring and Commercial Finance division.Trained under bank's Omega Performance formal training program. Commercial credit and Small Business credit programs.