Operated as a cross functional leader with internal and external partners to remediate credit risk concerns while improving business opportunities and overall customer experience.• Built out and managed a multi partner process to reduce the Operational exception rate from 44% to 20% during a period of heightened layered risk significantly reducing the overall exposure and loss within the Home Equity Portfolio. • Provided credit oversight for ongoing risk management reporting and assessment of key risk indices by monitoring Risk Appetite Statement and other risk metric concentrations and trends.• Coordinated business strategies from a credit risk perspective to help grow quality origination volume.• Prepared and presented recurring monthly and ad hoc reporting relating to the quality and performance of credit accounts.• Provided credible challenge to cross-department initiatives that pose credit risk to the business unit.• Formulated formal Risk action plans and policy in response to internal audit and regulatory agency recommendations.• Supported credit risk analysis of business initiatives to optimize opportunities within established risk tolerances and recommend associated credit policy updates accordingly.

Developed and maintained risk controls and credit risk strategies to support underwriting and fulfillment of real estate secured and asset secured lending within the company’s Risk Appetite.• Instrumental in increasing allowable line amount from $250k to $1M which increased the portfolio balances by nearly 25% while managing and maintaining acceptable delinquency levels.• Organized and executed an annual comprehensive credit file review which was presented to the Executive Head of Consumer Credit that was deemed “Best in Class” out of the multiple lines of business.• Compiled and analyzed portfolio data, presenting a monthly Portfolio Quality Report to a wide audience of Senior Executive Management and Corporate Partners throughout the organization. • Established and maintained Credit Policy and Operational Procedures according to market stress. • Organized routine and ad-hoc analytics and reporting to better understand current market trends, anticipate any emerging risks to the portfolio, and take appropriate actions to mitigate credit loss.• Partnered with multiple internal teams including Corporate Risk Management, Corporate Credit, Lending, Operations, Product and Systems teams to develop strategic business initiatives.• Analyzed system issues and recommended solutions and options to stay in line with risk tolerances. • Provided credible challenge to the adherence of established credit policy as part of the second line of defense.

Supported the general mission of the Deposit Pricing Team focusing on High Yield Savings and Certificate of Deposit accounts to maximize deposit balances while maintaining yield targets set by internal partners.• Organized data from large databases, tracking trends, conducting market tests to identify sensitivities/opportunities, and evaluating various pricing strategies.• Tracked competitive pricing movements and recommended pricing and product changes to increase market share.• Coordinated the weekly analysis and pricing change updates that were formally presented to Corporate Treasury, Deposit Analytics, Finance, IT, Market/Regional presidents, senior management, and other business partners.

• Prepared and distributed comprehensive analysis reports, charge-off loan details and early pay delinquencies.• Partnered with field partners, risk managers and underwriting management to develop underwriter training.• Tested for account conversion accuracy of account profile details between systems of record databases.

• Linked several business units with Retail Credit Fulfillment to build a more efficient business process from loan origination to loan closing as a founding member of a cross functional team.• Oversaw projects to identify areas of inefficiency to adjust current practices to achieve the highest level of service for the customer while striving to lead the industry in loan application turn time.• Supported structuring and approval of loans while ensuring adherence to all policies, procedures, and regulations.• Mentored and trained junior underwriters and internal partners.

• Met one on one with customers to discuss financial needs from deposits to loans. • Utilized approved lending limits to complete process and approve/decline applications for credit as warranted while customer was in office. • Ensured overall branch adherence to regulations and policies by conducting branch audits which included teller and customer service cash drawer audits, ATM balance audits, vault balance audits and loan file audits. • Collected real estate and non real estate delinquent accounts, ordered and processed repossessions, arranged sale of collateral and prepared balance deficiencies for small claims or magistrate court and attended when needed. • Assumed Branch manager responsibilities of a manager on leave. These duties included the opening and closing of the vaults and handling all escalations both internal and customer related which required manager oversight.

• Performed teller duties ranging from monetary distribution to cash shipment verification and vault inventory. Balanced, refilled and inspected ATMs within the Greenville market.