Kerry Ahern Email & Phone Number

Phoenix, Az, Us

Responsible for analyzing the delinquent portfolio and identifying key trends in support of refining loss forecasting.Utilized CHAID to validate existing variables used as inputs into loss forecasts, as well as analyzed additional variables as components to improve upon existing methodologiesCompleted comprehensive analysis on straight rollers, analyzing and profiling key attributes in support of developing targeted strategies to mitigate risk within the portfolioAnalyzed key performance metrics of collector productivity to better understand collection rate deterioration, resulting in an increased focus on account coverageForecasted and reported on the impact of pending regulatory changes, including cessation of charge-off exceptions to prepare for both performance and financial impacts to the bank

Used statistical analysis to develop strategies to automate credit decisions, line assignments and initial account pricing. Created in depth and high level analysis to provide senior management with direction on enterprise wide credit risk decisions.Developed auto approval strategy that automated 240,000 applications annuallyGenerated $15MM in incremental NIBT through increased approval ratesCreated risk based pricing strategies to align initial price point to future credit risk

Completed product line specific analysis to replace, enhance or create strategies for secured and unsecured consumer loans as well as unsecured business loans. Worked with vendors to acquire and implement external products in order to meet account management goals.Analyzed industry level data to evaluate the potential impact of proposed strategy changesDeveloped loss forecasting methodology for new business lending portfolioCreated Access database to manage and report on bank-wide account management efforts

Performed business and industry analysis, strategy development and portfolio valuation for mortgage lending business, including originate and sell, originate and hold, as well as portfolio acquisition models.Managed strategies for portfolio of $1 billion in mortgage originations annuallyDeveloped and managed loan loss reserve requirements for originate and hold modelMonitored the impact of mortgage originations on $70 billion credit card portfolio

Mba, Human Resource Management

Ba, Philosophy

High School Diploma