Helen Pennington Email and Phone Number

Current assignment in Credit Risk Review for a Global Financial Services Firm. Credit Risk and Regulatory review of the following types of loans: Commercial & Industrial, Leveraged, Special Assets, Project Finance, and Commercial Real Estate.

Credit Risk Management oversight of Multifamily loan portfolio (~$300B) to ensure appropriate risk ratings are assigned and monitor key performance indicators within product types to assess inherent credit risk for capital adequacy. Assess key qualitative model assumptions and methodology changes to ensure adequacy and minimize risk. Facilitate team training on regulatory guidance, Monitor Multifamily credit risk industry trends, and standards for enhancement of staff knowledge along with development into subject matter experts. Engage with internal stakeholders in functional areas to provide a holistic perspective of Multifamily risks."Helen is an excellent risk management partner. She has a deep understanding of credit risk and economic factors for commercial real estate products, especially Multifamily. She also well versed in team leadership and talent development." Rob Walton, V.P and Business Partner

Cultivated new business relationships and solicits new clients to increase Bank's profitability. Successful completion of a number of tasks such as loan management, credit approval, & loan documentation. Timely processing of customers’ requests in order to maintain a high degree of customer service."Helen has always shown drive and professionalism. Helen makes a natural connection with clients and prospects and I had the utmost confidence having her work with our most valued customers. She is detailed driven and always prepared with logic and facts to defend her position. I relied on Helen's vast credit knowledge and experience as a key contributor during a period of record growth for our division. I feel she has one of the sharpest credit minds in the industry and would certainly be an asset to any organization. If I ever build another team, she will be one of the first bankers I will recruit." Brian Boilek

Identified & implemented industry’s best practices to improve existing business operations; led review of all commercial loans and commitment types and assisted personnel on credit risk management. Analyzed & reviewed current trends or developing concerns in lending industry and focused developing tool, improving process performance & portfolio quality.Cultivated relationships across departments and resolved client issues efficiently. She also interacted with auditors, loan reviewers and examiners to assist in Bank reviews and examinations.

Multiple positions - Head of US Loan Review, Senior Loan Review & Regional Business Sales Manager and undertook various responsibilities while working for BMO-Harris Bank.Measured risk tolerance, managed corrective actions, and monitored risk for U.S. commercial portfolio of a $100B, anticipated potential trends, revised loan review processes, and ensured portfolio risk costs were in line with the quality of the portfolio. Led a team of 23 professionals to handle the direct review of credit risk elements. Coordinated with regulatory agencies to ensure compliance with banking practices."What a privilege to have worked together with Helen both in a sales environment and as the recipient of her high value Loan Review advisory support. Helen is a leader with the ability to effectively balance sound credit oversight with the need to grow a business. Great coaching skills were always evident when she managed her teams and Helen always enjoyed high levels of respect from her colleagues, her customers and her referral sources. Would highly recommend her for anything she decides to pursue". Daniel Streitmatter

-Leadership and coaching to six relationship managers with focus on value-added consulting, thus boosting client retention and sales goals-Optimization of corporate banking relationships with $5M to $50M in revenue size while handling a portfolio with $300M in loan and deposits-Effectual oversight to all aspects of business development cycle, encompassing financial analysis, modeling, negotiation, credit decision, and complex legal documentation

-Efficient management and monitoring of $330M in assets held by eleven real estate lenders across four locations-Keen evaluation of credit quality and relationships management by participating with commercial lending development-Driving force in the attainment of 15% annual increase in group loan production; and the 20% improvement in fee income and 10% deposit growth-Introduction of cash management programs to the Commercial Lending Department to enhance product and customer service; along with a cash flow template for CRE and C&I loans

-Responsibilities centered on evaluating credit risk and the quality of credit risk management in large bank loan portfolios-Evaluated the appropriateness of risk ratings, adequacy of officer analyses, suitability of loan structures and overall quality of underwriting and creditit management within middle makret and asset based lending portfolios -Team leader on off-site examinations-Participated as credit examiner in joint regulatory Shared National Credit Program. Instrumental in working with Human Resources in designing the orientation program for new industry hires to the agency

-Managed all aspects of commercial loan and commercial real estate portfolio-Established a business development program utilizing referral system of existing clients and spheres of influence-Initiated credit-training program that included cash flow and collateral valuation analysis. Performed a variety of administrative and human resource functions for a staff of fifteen

-Successfully managed commercial and industrial portfolio spanning a variety of industries-Specialization in contractor (commerical and industrial) and health care lending