Eric Oliphant Email & Phone Number

Charlottesville, Va, Us

Richmond, Virginia, United States

• Participates in the supervisory assessments of retail and commercial credit risk management. Including lending strategy, credit underwriting, credit policies and procedures, independent credit risk monitoring and oversight, securitization, Current Expected Credit Loss (CECL) methodology, related Allowance for Loan and Lease Loss (ALLL) determination, supporting governance and controls.• Assesses compliance with federal regulations related to credit and counterparty… Show more • Participates in the supervisory assessments of retail and commercial credit risk management. Including lending strategy, credit underwriting, credit policies and procedures, independent credit risk monitoring and oversight, securitization, Current Expected Credit Loss (CECL) methodology, related Allowance for Loan and Lease Loss (ALLL) determination, supporting governance and controls.• Assesses compliance with federal regulations related to credit and counterparty risk.• Participates in horizontal assessments of credit risk and related advanced risk management practices across the Fifth District and the Federal Reserve System.• Performs ongoing supervision through meeting with Institution management and reviewing Institution submitted materials to ensure objective and timely assessments.• Assists in the development of examination scopes/supervisory activities.• Maintains an understanding of key risk management perspectives from other regulatory agencies that impact the supervised areas, proactively implements strategies to collect peer agency views on a timely basis, acts as key stakeholder within peer agency reviews, and holistically integrates other regulatory perspectives to help inform the team’s supervisory assessment.• Prepares and delivers clear and persuasive findings in formal written and verbal presentations on supervisory conclusions and relevant issues to financial institution and senior Reserve Bank management.• Builds and maintains strategic work relationships and networks with both internal and external stakeholders, such as other Reserve Banks, the Board of Governors, and other domestic regulatory agencies. This also includes developing relationships, while maintaining independence, with institution management to further supervisory efforts.• Provides guidance and constructive feedback to exam team members as appropriate. Show less

Richmond, Virginia, United States

• Served as Examiner-in-Charge (EIC) for large foreign banking organization (Large FBO) Shared National Credit (SNC) examinations providing oversight and leadership to teams of 20+ interagency examiners.• Provided wholesale credit risk expertise for Comprehensive Capital Analysis and Review (CCAR) examinations by assessing firm methodologies for projecting wholesale credit losses. This included assessing loss estimation governance, risk identification practices, incorporation of… Show more • Served as Examiner-in-Charge (EIC) for large foreign banking organization (Large FBO) Shared National Credit (SNC) examinations providing oversight and leadership to teams of 20+ interagency examiners.• Provided wholesale credit risk expertise for Comprehensive Capital Analysis and Review (CCAR) examinations by assessing firm methodologies for projecting wholesale credit losses. This included assessing loss estimation governance, risk identification practices, incorporation of macro-economic scenarios, portfolio segmentation, support for loss estimates, application of compensating controls for identified loss estimation weaknesses, and collaborating with internal quantitative analysts for sufficiency and applicably of wholesale loss forecasting models.• Served as instructor for Federal Reserve Credit Risk Analysis School (CRAS) where individuals are taught basic credit analysis and examination skills such as: -Analyzing both business and personal income statements and balance sheets for strengths and weaknesses, and cash flow for loan repayment ability; loan documentation for content, completeness, and efficiency -Classify loans according to regulatory classification definition• Co-developed the Real Estate Lending Seminar (RELS) for Federal Reserve System and served as instructor where individuals are taught systematic approach to analyzing commercial real estate acquisition, development, and construction lending facilities with objectives such as: -Determining critical due diligence requirements for various real estate loans, including environmental audits, and budget reviews, -Analyzing the likely adequacy of real estate loan repayment sources, including those related to the borrower, project, and guarantor -Differentiating the valuation methods and analyze the key elements of a real estate valuation, as well as determine whether the appraisal reports meet applicable requirements Show less

Richmond, Virginia, United States

• Served as Examiner-in-Charge (EIC) for community bank examinations and developed CAMELS ratings as part of a collaborative approach with regulatory leadership.• Served as Asset Manager for community bank examinations completing tasks such as: developing loan review sample using a risk-based sampling process; review of credit risk management governance practices to include sufficiency of allowance for loan loss reserve (ALLL).• Served as loan reviewer for Shared National Credit… Show more • Served as Examiner-in-Charge (EIC) for community bank examinations and developed CAMELS ratings as part of a collaborative approach with regulatory leadership.• Served as Asset Manager for community bank examinations completing tasks such as: developing loan review sample using a risk-based sampling process; review of credit risk management governance practices to include sufficiency of allowance for loan loss reserve (ALLL).• Served as loan reviewer for Shared National Credit (SNC) examinations Show less

Charlotte, North Carolina, United States

• Composed interim and annual credit reviews of Private Bank relationships to include analysis of the individual credit as well as overall industry trends that may apply, to identify potential credit quality issues as well as provide senior management an understanding of the portfolio’s strengths and weaknesses • Spread financial statements and federal tax returns to assess cash flow available to service debt and to allow utilization of the bank’s credit risk scorecard… Show more • Composed interim and annual credit reviews of Private Bank relationships to include analysis of the individual credit as well as overall industry trends that may apply, to identify potential credit quality issues as well as provide senior management an understanding of the portfolio’s strengths and weaknesses • Spread financial statements and federal tax returns to assess cash flow available to service debt and to allow utilization of the bank’s credit risk scorecard system.• Calculated financial covenant ratios to monitor loan performance as well as establish new covenants for loan extensions/modifications so that proper loan performance could be measured going forward• Worked with management to improve work/information processes to include suggestions to improve interim and annual credit review procedures as well as implementing a computer data base to organize third party consultants utilized by the bank for its appraisal, environmental and other needs Show less

Charlotte, North Carolina, United States

• Managed under-performing credit relationships to limit bank’s risk of non-accrual loans, potential charge-offs, as well as deposit and treasury management risks• Assisted Senior Portfolio Officers in management of complex syndicated credit relationships (SNCs) to include: participation in bank group calls and meetings; review of loan and legal documents, and reports provided by third party consultants and borrowers; cash flow calculations/analysis for ability service debt, completing… Show more • Managed under-performing credit relationships to limit bank’s risk of non-accrual loans, potential charge-offs, as well as deposit and treasury management risks• Assisted Senior Portfolio Officers in management of complex syndicated credit relationships (SNCs) to include: participation in bank group calls and meetings; review of loan and legal documents, and reports provided by third party consultants and borrowers; cash flow calculations/analysis for ability service debt, completing FAS 114 impairment calculations• Composed credit approval reports and modifications, risk rating upgrades and downgrades requests, FAS 114 impairment calculations, and quarterly loan activity reports in order to provide senior management a clear picture of overall portfolio risks and performance Show less

Jacksonville, Florida, United States

• Completed MAPs (Management Associate Program) - Bank of America’s formal Credit Training/Management program for college graduates• Provided underwriting to include, composing Real Estate Credit Approval Reports and modifications which included financial analysis of Borrowers and Guarantors, market analysis of proposed locales for project feasibility and project analysis of real estate for debt serviceability• Reviewed appraisals, environmental reports and leases for accuracy… Show more • Completed MAPs (Management Associate Program) - Bank of America’s formal Credit Training/Management program for college graduates• Provided underwriting to include, composing Real Estate Credit Approval Reports and modifications which included financial analysis of Borrowers and Guarantors, market analysis of proposed locales for project feasibility and project analysis of real estate for debt serviceability• Reviewed appraisals, environmental reports and leases for accuracy and potential risks to the Bank• Performed industry analysis of key retail segments as well as Commercial Real Estate sub categories in order to understand their potential impact on, as well as, the condition of Commercial Real Estate industry as a whole Show less

Tavares, Florida, United States

• Provided professional customer service/satisfaction to both potential and existing customers• Interviewed credit and non-credit applicants to determine needs and make correct recommendations utilizing product/service knowledge

North Carolina, United States

• Supervised daily work activities of 10-20 personnel in the field and garrison to include job evaluations and personal counseling• Proven ability to work under difficult and stressful conditions; rapidly promoted to Sergeant within 28 months

Bachelor Of Arts - Ba, Economics

Education record

Certificate of Completion of three-year program comprised of approximately 120 hours of classroom instruction and multiple home study.

Education record

Bank of America’s formal Credit Training/Management program for college graduates (18 months)