• Lead Team of Associates to ensure QC testing is executed timely and accurately as well as Provide Guidance/Training to team members.• Participate in special projects or initiatives related to risk management as assigned analyzing financial, operational, compliance, and strategic risks.• Review, analyze, and test inline activities to ensure adequate control design and effective control operation. Horizontal risk and control themes (ex Customer Impact, Remediation, Redress, ERIA)• Partner with the business to discuss test results and provide clarity as to why changes would be required.• Plan and execute risk-based audits of various business units, processes, and systems to assess compliance with internal policies and procedures, and regulatory requirements.• Evaluate Risk and Control details for multiple business groups across Consumer Lending (Home Lending, Credit Card, Auto, Merchant Services) for adherence to Enterprise Guidance.• Perform quality tests, measurements, and evaluations of risk to analyze audit findings, identify control weaknesses and deficiencies.• Provide support to business lines with respect to RCSA program and policy requirements, adequacy of risk ratings and control environments, as well as the quality and completeness of the risk and control identification • Experience in SQL, SAS, PYTHON and other analytical programs• Working knowledge of fair lending and fair banking-related laws and regulations, including, but not limited to, Equal Credit Opportunity Act (ECOA/Reg B), Unfair Deceptive Abusive Acts and Practices (UDAAP), the Fair Housing Act (FHA), and the Fair Credit Reporting Act (FCRA).

•Verified collected information to ensure all guidelines are met, including the borrower’s income relative to the financial obligations, credit quality and liabilities, bank statements, property appraisal reports, and title commitments • Prepared comprehensive underwriting analysis supporting the appropriate loan decision recommendation based on the overall profile of the loan.• Identified potential compensating factors in the overall loan to mitigate higher risk components in the loan application• Interacted collaboratively with LendingOne team members including sales, operations, legal and senior management • Completed Final Loan Analysis and Loan Closing Due Diligence for Final Loan Approval while collaborating with Legal Dept and Title Companies for Clear to Close• Top producing Underwriter for LendingOne in Quarter 4 of 2022 with most loans successfully closed

• Build lasting client relationships within assigned territory with dealerships to increase auto sale referrals. • Evaluate employee progress/compliance while identifying areas for additional coaching by monitoring daily performance.• Supervise and monitor team productivity by observing daily activities such as branch lending operations and productivity of loan performance.• Lead sales management activities and operational activities within the branch including employee engagement, hiring practices, performance improvement, customer relations, sales, and financial management. • Deliver extensive coaching in financial processes and procedures to both newly hired and existing employees.• Conduct regular employee performance evaluations to offer constructive feedback and solutions to propel improvements and growth.

• Reviewed and analyzed on borrower’s tax returns, financial statements, credit, overall financial condition, and related material including debt to income ratio, sources of repayment, and viability as well as the Credit Unions collateral position, potential risks and mitigating factors within established guidelines. • Participated in review committee meetings, worked with loan officers on approvals, and controlled lending compliance.• Served as an integral part of launching the first indirect lending portal, offered valuable feedback to stakeholders and the portal houses multiple loan applications for dealerships in NC/SC ensuring smooth onsite dealer purchases for members.

• Directed the Loan to Value of vehicles and made intricate decisions of which vehicles to keep on the books and to repossess.• Followed up on loan applications through funding and compliance issues to achieve timely resolutions

• Enacted effective negotiation skills to identify payment problems and offer solutions. • Identified and discussed delinquency resolutions, loss mitigation, and litigation alternatives