Jaime Castillo Email & Phone Number

Sacramento, Ca, Us

Head of Analytics & Risk for all Business Services covering Small Business to Commercial Real EstateShape Credit Strategies: Develop and direct implementation of origination and portfolio strategies to assess, manage and mitigate risk (credit, fraud, retention, etc.) for business lending and deposit products. Design and implement credit strategies to meet the Credit Union's risk appetite and acquisition goals. Lead Risk Initiatives: Drive initiatives aimed at enhancing risk appetite, focusing on acquisition, account management, and loss mitigation strategies.Risk Identification: Develop framework to identify risks to the organization via ongoing reporting and surveillance of key metrics and portfolio trends.Build/Enhance Policies and Guidelines: Leverage analytics and business acumen to develop/refine policies and guidelines, gaining stakeholder support for key proposals to the CLO and Credit Risk Committee.Monitor Industry Trends: Monitor economic trends and regulatory changes to ensure the risk framework is current and effective.Optimize Decision Engines: Improve decision-making processes to manage risk, optimize operational efficiency and ensure a good member experience.Analytic Framework: Design and manage risk analytics and reporting to balance risk/return and data-driven decisions for strategic planning. Build out experimental design approaches for learning and ensure Golden 1 data structure supports this direction. Present insights and recommendations to senior management.

Provide leadership and oversight of the development, implementation, and monitoring of the risk management strategies and framework across the largest commercial business units for the regional bank. Develop strategies and processes to address emerging risks, policy adherence, risk mitigation, internal audit compliance, and regulatory lending compliance. Advise and consult across a broad group of stakeholders on key risk initiatives. Stay abreast of applicable laws, regulations, financial services, and regulatory trends that impact Commercial Banking and Commercial Real Estate functions. Subject matter expert on Business Banking, Commercial Banking (C&I), and Commercial Real Estate analytics.

San Francisco, Ca, Us

Led a team of analysts to drive risk initiatives and develop and enhance the risk reporting & monitoring framework which meets the requirements of internal and external stakeholders, focused on all commercial and corporate banking portfolios. Oversee analytical activity to address federal regulatory examinations, Japan regulatory requirements, internal audits, and compliance risk issues for all commercial units. Brought key stakeholders together to address the changing external and internal requirements of quality, transparency and frequency for risk assessments and risk monitoring. De-facto source of risk information across the organization that includes executive leadership, Board of Directors, Regulators, Executive Committees, SEC reporting, and parent company.

San Francisco, California, Us

Oversaw risk strategies, process improvements and development of risk tools for the small business lending group. Developed and implemented predictive analytics models, underwriting risk strategies, systemize customer risk assessments, and credit decisioning technology platform improvements. Led a team of analysts to oversee and manage acquisition and origination risk to optimize risk/return for the Business Banking portfolio. Responsible for developing and managing risk strategies encompassing new credit requests, portfolio monitoring, and portfolio management.Collaborate with Business Banking senior leadership to develop risk and portfolio management strategies by leveraging data-driven solutions and analytic techniques to measure, assess, and report on credit risk exposure in order drive changes.

San Francisco, Ca, Us

Spearheaded development and implementation of new risk framework to comply with Basel guidance for corporate banking, commercial lending (C&I), and commercial real estate portfolios. Transformed customer rating process from a judgmental, decentralized process to a data-driven, transparent, and consistent process. Oversaw 3rd party vendor to implement new centralized rating platform within existing lending system, impacting all new credit deals. Successfully launched new process under tight deadlines set by parent company.

San Francisco, California, Us

Developed and implemented credit risk strategies for one of the largest banks as second-line of defense, with a focus on the banks commercial lending, and corporate banking portfolios. Develop and implement of Basel II default models to support new rating methodology for commercial and corporate banking lines of business (e.g. CRE, C&I, Asset based lending, Public Finance, etc). Directed portfolio risk monitoring and analysis to identify emerging risks, deep dives into portfolio, and monitor asset quality. Utilize internal and external data sources and tools for benchmarking and analysis (EDF, RiskCalc, LossCalc, Compass PPR, CRD). Manage development of formal credit training program of wholesale credit risk tools to newly hired experienced relationship managers and junior credit analysts/associates.

San Francisco, California, Us

Oversaw risk initiatives in a cross-functional organization with projects covering data strategy, underwriting scorecards, risk-based pricing, origination decision strategies, business rules management, M&A integration activities, and new product ventures.

Transformed processing of consumer credit bureau data improving efficiency and accuracy of data. Effectively leverage bureau data to develop custom credit attributes and improve decisioning logic, leading to a 40% increase in approval rates.

Implement risk framework for mortgage lender, leading to reduction in losses, identifying and mitigating significant fraudulent activity, and providing insight to overall portfolio performance. Performed in-depth risk analysis, risk assessment, monitoring, and developed custom credit models for the entire mortgage portfolio. Oversee the monitoring and reporting of credit risk metrics to executive management. Framework was instrumental in acquisition by a large regional bank.

Bozeman, Montana, Us

Mba, Finance, General Management

Ba, Math/Computer Science