In addition to oversight responsibilities for the Finance & Accounting teams, I am responsible for oversight of our Information Technology and Operations teams, including Deposit, Loan, Treasury Management, and Payments Operations.

-- Oversee the long-term strategic direction of the liquidity position of the bank, including the Funding and Liquidity Policy, approved by the Board of Directors, as well as funding strategies and developing a diverse source of primary and contingent funding sources. -- Responsible for oversight of monitoring, reporting and managing the Company’s interest rate risk position (IRR). Manage implementation, development, and maintenance of internal models that are used for strategic planning to understand the impact of changing interest rates on the Company’s profitability. -- Provide strategic goals to the Board and Management Asset / Liability Committees to minimize IRR. Provide oversight in pricing of the Company’s deposits and residential loans as well as hedging of the secondary marketing process. -- Manage and implemented a balance sheet level hedging program and wrote a Board approved Derivatives and Hedging Policy. -- Oversee management of the Company's investment portfolio, including the Board approved investment policy; supervise the reporting and accounting of investment portfolio transactions. -- Provide guidance and champion the strategic planning process and execution of short-, intermediate- and long-term strategic plans. -- Manage the capital deployment process through strategic planning and the Company’s stock repurchase program. -- Member of the Executive Committee, Management Asset/Liability Committee, Self-Insurance Committee, Investment Committee and Executive Pricing Committee; Co-Chair of Steering Committee; observe Board Asset/Liability Committee, Board of Director meetings and Risk Committee. -- Participate in analyst conferences and presentations with one-on-one institutional investor meetings; contribute and participate in Company earnings calls.

-- Financial institutions research analyst providing insight and opinions to decision makers regarding special situations as well as overall surveillance on over 100 investments across market caps.-- Played an integral role in a three-analyst team in providing surveillance and monetization opinions to the U.S. Treasury’s Capital Purchase Program (CPP), which invested $250 billion in the U.S. banking system in late-2008 and early-2009. -- Monitored and analyzed CPP participant and industry-level trends on asset quality, profitability, capitalization, and merger and acquisition economics. -- Analyzed and prepare analysis with repayment probabilities for small bank applicants to the U.S. Treasury’s Small Business Lending Fund (SBLF).

-- Credit risk analyst with coverage of 24 bank and non-bank U.S. financial institutions ranging from $3 to $120 billion in assets. Portfolio included investment grade and non-investment grade issuers. -- Conducted fundamental credit analysis on banks and other issuers with assets up to $120 billion. Analytical framework included an analysis of credit risk from loan and investment books, liquidity risk and interest rate risk. -- Directed meetings with executive management to discuss strategy for growth, resolution of problem assets, improvement of operational performance and any other rating drivers. -- Presented rating recommendations in a persuasive manner to Fitch credit committees and effectively communicated rating rationale through the preparation of press releases and credit analysis reports disseminating the credit opinion to investors, counterparties, and media. -- Developed and managed a loan loss reserve stress model used widely by North American analysts to assess pro-forma capital and profitability metrics in various stress scenarios.-- Authored and participated in the preperation of industry research pieces such Industrial Loan Companies, and accounting implications on purchased impaired loans and restructured loans.

-- As a comissioned bank examiner, I participated in the examination of non-member, state-chartered banks, assessing the risk to the Deposit Insurance Fund. -- Managed and assisted in safety and soundness examinations of approximately 50 commercial and community banks ranging from $50 million to $5 billion in assets. Assigned ratings communicating the perceived risk to the deposit insurance fund. -- Among other risks, examined market risk by analyzing interest rate changes and its impact to net interest margin; evaluated changes to the cost structure in various rate scenarios and the effect on ROA. -- Managed a team of 4-10 examiners by communicating goals, responsibilities, interpersonal guidelines, and procedures for successful completion of the bank examination.-- Participated in intra-agency efforts, such as the Shared National Credit annual examination evaluating large syndicated loans for underwriting weaknesses and inherent losses.