Jaime Castillo

Jaime Castillo Email and Phone Number

VP/Director Risk Management | Driving Data-Driven Strategies for Optimal Risk Management and Business Growth | Analytics Leader | Strategic Adviser | Consultant @ Golden 1 Credit Union
Jaime Castillo's Location
San Francisco Bay Area, United States, United States
Jaime Castillo's Contact Details

Jaime Castillo work email

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About Jaime Castillo

I graduated with a degree in Math and as a first-generation college grad, I had no idea what I would do with this. After weeks of research and interviews I landed with a company in the Financial Services industry that leveraged my analytical, technical, and problem-solving skills. I have never looked back. Data and analytics are my passion, and I now bring over 15 years of experience in the Finance/Banking industry applying my analytical, technical, problem-solving, and critical thinking skills that I have sharply honed over the years to convert large amounts of data into insight, designing and managing risk frameworks, solve risk management challenges and develop risk strategies in the ever-changing Finance/Banking space. Success is a team sport, and my passion extends to accelerating the growth and development of those around me. My greater accomplishments are seeing those I’ve mentored and coached become successful in their career. I am dedicated in developing the next generation of finance leaders.As a risk management and analytical professional, I enjoy finding data-driven solutions, and as a peer and mentor, I am passionate on accelerating the growth and development of those around me. To renew my creative energy, you’ll find me in the kitchen creating new dishes.Expertise includes:Analytics, Reporting, Risk Management, Origination & Underwriting strategies, Financial Analysis, Basel II and Economic Capital, Default Risk Modeling, Data Management and Strategy, Business Intelligence, SAS Analytic platform, Executive Presentations, Business Strategy, Project Management, Process Improvement

Jaime Castillo's Current Company Details
Golden 1 Credit Union

Golden 1 Credit Union

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VP/Director Risk Management | Driving Data-Driven Strategies for Optimal Risk Management and Business Growth | Analytics Leader | Strategic Adviser | Consultant
Jaime Castillo Work Experience Details
  • Golden 1 Credit Union
    Vp Business Services Analytics & Risk
    Golden 1 Credit Union Mar 2024 - Present
    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.
  • Union Bank (Acquired By Us Bank)
    Director Risk Manager - Risk And Control
    Union Bank (Acquired By Us Bank) Oct 2016 - Sep 2024
    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.
  • Mufg Union Bank
    Vp Risk Analytics & Reporting
    Mufg Union Bank Dec 2012 - Oct 2016
    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.
  • Wells Fargo
    Vp Risk Manager
    Wells Fargo Jan 2010 - Dec 2012
    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.
  • Union Bank Of California
    Vp Portfolio Risk Manager
    Union Bank Of California Sep 2006 - Mar 2010
    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.
  • Wells Fargo
    Risk Manager Corporate Credit
    Wells Fargo Jun 2005 - Sep 2006
    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.
  • Wells Fargo
    Risk Manager Business Banking
    Wells Fargo Feb 2000 - Jun 2005
    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.
  • Creditland.Com
    Sr. Business Credit Analyst
    Creditland.Com Feb 2000 - May 2000
    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.
  • The Money Store (Acquired By First Union)
    Sr. Risk Analyst
    The Money Store (Acquired By First Union) May 1998 - Feb 2000
    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.
  • Fair, Isaac Co.
    Consultant / Project Analyst
    Fair, Isaac Co. Sep 1995 - May 1998
    Bozeman, Montana, Us

Jaime Castillo Skills

Credit Risk Financial Risk Risk Management Banking Portfolio Management Credit Sas Basel Ii Analytics Financial Analysis Credit Analysis Credit Cards Loans Commercial Banking Risk Analytics Credit Scoring Predictive Modeling Predictive Analytics Analysis Analytical Skills

Jaime Castillo Education Details

  • University Of California, Berkeley, Haas School Of Business
    University Of California, Berkeley, Haas School Of Business
    General Management
  • Whittier College
    Whittier College
    Math/Computer Science

Frequently Asked Questions about Jaime Castillo

What company does Jaime Castillo work for?

Jaime Castillo works for Golden 1 Credit Union

What is Jaime Castillo's role at the current company?

Jaime Castillo's current role is VP/Director Risk Management | Driving Data-Driven Strategies for Optimal Risk Management and Business Growth | Analytics Leader | Strategic Adviser | Consultant.

What is Jaime Castillo's email address?

Jaime Castillo's email address is mr****@****ail.com

What is Jaime Castillo's direct phone number?

Jaime Castillo's direct phone number is +141520*****

What schools did Jaime Castillo attend?

Jaime Castillo attended University Of California, Berkeley, Haas School Of Business, Whittier College.

What skills is Jaime Castillo known for?

Jaime Castillo has skills like Credit Risk, Financial Risk, Risk Management, Banking, Portfolio Management, Credit, Sas, Basel Ii, Analytics, Financial Analysis, Credit Analysis, Credit Cards.

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