John Heinonen Email and Phone Number

Responsible for the timely development, implementation and monitoring of projects for Internal Audit utilizing Teradata, Hadoop, Oracle, SQL Server, DB2 and SAS Enterprise Guide for use with Tableau to enhance organizational effectiveness. Manage full-cycle process, including client interfacing to develop data specifications, content, layout and delivery method.

Examiner-in-Charge for Southeast Michigan commercial lending unit with borrowing relationships of 1-20MM.Supervised and managed a team of ten Corporate Loan Review examiners during on-site examinations. Discussed exam results and issued summary reports to regional bank President and Chief Credit Officer. Participated with teams in the examination of other affiliate bank commercial lending units. Evaluated the credit quality of commercial borrowing relationships through financial analysis, including measurement of liquidity, leverage and cash flow indicators. Assessed adherence to corporate loan policy and OCC guidelines.• Created, tested and maintained a Microsoft Access database tracking and reporting program that improved process efficiency of gathering and organizing examination data. Worked with the client to define specifications using conceptual analysis. Created user input form and summary reporting used by the client for distribution to bank management. Authored detailed setup and end user documentation to support the application. Utilized by Corporate Loan Review in examination of affiliate bank commercial lending units.

Responsible for increasing commercial loan balances through new business development and portfolio management for borrowing relationships of 1-5MM. Also in charge of portfolio administration and customer relationship management, including referrals to other revenue generating areas of the bank.

Prepared written commercial loan proposals on large and complex credit relationships for presentation to Senior and Corporate loan committees. Participated in meetings with lenders and senior management to discuss underwriting issues of credit relationships.

Worked with teams in the review of affiliate bank commercial lending units. Monitored the condition of an affiliate bank lending unit to identify trends in loan quality and portfolio composition and changes in management and personnel.• Designed, tested and maintained a Lotus Approach database tracking and reporting program used in the examination of affiliate bank lending units.