Service Member Civil Relief Act (SCRA) Center of Excellence

Corporate Credit | Consumer Regulatory Capital OversightUS Basel III• Performed a comparison of allowance for loan and lease loss (ALLL) and estimated credit loss (ECL) as part of the comprehensive capital analysis and review (CCAR) stress test exercises.• Managed performance monitoring for probability of default (PD), loss given default (LGD), and estimated loss at default (EAD) models.• Streamlined Advanced and Standardized Basel readiness dashboards to provide actionable analysis to lines of business and senior credit risk officers.• Conducted capital impact analysis for exceptions to Basel retail exposures.• Designed tool to track quarterly corporate management adjustments.• Moderated round table style meetings with enterprise Basel team, corporate finance, audit services, commercial regulatory capital oversight, and lines of business.

• Developed and prepared daily, weekly, and monthly reporting package with statistical highlights to provide senior leadership with accurate, comprehensible information to inform business decision making• Developed and implemented a robust and comprehensive data strategy to support the broad range of reports and analyses• Conducted data quality review, cleaning, merging, and extraction of relevant information from multiple large data sets• Designed and implemented KPIs and dashboards used by key organizational players including senior staff to make key business decisions• Developed and deployed analytical methodologies, processes, and formats for monitoring business KPIs, identifying emerging trends and providing insights about the drivers of performance• Generated, maintained and distributed periodic and ad hoc reports• Created and maintained databases in MS Access for new business line process• Actively partnered with frontline team members to understand and satisfy business requirements• Developed SharePoint integrated reports using MS SQL Server Reporting Studio (SSRS)• Developed, maintained, tested, documented and implemented business intelligence solutions leveraging the Microsoft BI stack to produce reports and dashboards (SSRS, SSIS, SSAS, Excel, VBA, SharePoint)• Monitored and supported data load and report generation processes• Addressed incidents and problems related to the BI solutions• Helped identify data sources required to meet business needs• Development of report automation and self-service distribution through SSRS• Developed forecasting volume for different services and capacity models to optimize staff level• Developed a monthly operation expense analysis report and forecast that shows key expense items• Performed data-driven root cause analysis and troubleshooting on production issues and leveraged system capabilities to identify areas of improvement

• Spearheaded effort to save over $100 thousand per month by developing stress tests on the $108 million residential real estate and home equity loan portfolio• Developed allowance for loan and lease loss calculation on portfolio of $1 billion, in compliance with new regulatory guidelines• Strengthened investment allocations calculation process for a $2.9 million client investment portfolio• Created risk-based pricing program for mortgage origination and consumer lending teams• Enhanced the compensation review process by streamlining reports and forms for management• Prepared and presented financial statements to private investors• Forecast ratios of distressed loans and other assets to capital, based on expected loan and asset transactions and financial performance of borrowers• Prepared monthly credit quality reports• Regularly presented analytical findings and recommendations to C-level executive team• Developed and maintained ad hoc reporting for executives

• Compiled market and loan portfolio data for interest rate risk analysis for asset liability management• Calculated quarterly and annual incentives based on key performance metrics• Evaluated effectiveness of interest rate hedges for asset liability policy compliance• Prepared quarterly regulatory reports and variance analysis on monthly financial statements• Calculated risk-based capital, including off balance sheet assets and limits of allowance for loan loss to comply with regulations• Compiled branch and charter budgets for regional CEO and branch presidents• Updated relationship profitability model monthly to reflect the funds transfer pricing methodology• Tracked core depositors of $150 million and prepared volatile liability tracking report for the asset liability committee

• Created management reports to analyze and benchmark the loan portfolio credit quality (repricing, maturity, risk rating stratification, credit line usage, etc.). Documented detailed technical requirements for credit quality reports based on stakeholder needs• Created customer segmentation model by analyzing profit growth and market share of segments in order to reallocate company resources • Updated key offer interest rates on loans based on market interest rates• Reviewed annual compensation increases to assist management with budgeting• Advised executives and board of directors on managing risk of the loan portfolio• Managed approved appraiser list to insure appropriate license and good standing• Reconciled Flexible Spending Accounts for accurate weekly health care expense reimbursements• Monitored $130 million loan participations bought and sold

National Science Foundation Research Assistantship Award in Superconductivity• Applied analysis and programming skills to the study of phase dynamics• Worked with a team to develop a theoretical model of Josephson Junctions