KEY CAREER ACCOMPLISHMENTS • A 27 year proven Leader in Credit and Operations Management for Wells Fargo. • Excellent depth of knowledge in all product sets Real Estate, Home Equity, Auto Lending, Personal loans, Credit Card and small Business lending.• A 15+ year history of producing top performing teams in all areas of Risk, Credit, Modeling, Collections, Operations Risk, and Governance Programs.• Have shown the ability to lead and guide change across multiple business lines with strong execution and timely implementation.• Has led the development of in the last 18months governance programs for Network Attorney, Collection Agencies, and Debt Buyers. Has a strong background on the technical side of each of these platforms as well as the Operations knowledge to produce a strong governance program and offer credible challenge.• Has led directly Central Underwriting and Central Collections for Credit Cards, Real Estate, Private Label, and personal loans.• I have developed the willingness to make difficult decisions while understanding the importance of collaboration and partnerships. • While the Chief Credit Officer of Wells Fargo Financial I developed strong understanding of leading LOB owners by our vision and persuasion to come to appropriate decision. I also posses the willingness and ability to confront difficult situations when it is necessary to provide the appropriate protection for Wells Fargo and Company. • A strength of mine is setting strategy to accomplish long term goals but having the depth to make tactical changes when appropriate. The combination of my experience between Credit, Risk Management, and Central Operations allows me to see the possibilities as well as the challenges that need addressed. • I have been considered an agent of change a person who can create a vision and build from the ground up or to fix areas that needed greater attention.