I am Managing Director of CROSH Consulting, LLC. CROSH is a financial services consultancy that is focused on developing, building, implementing, managing and leading core capabilities for financial institutions through delivered results. CROSH Consulting provides practical solutions in the following areas:• Consumer and Commercial Banking Strategy and Execution • Risk Management and Problem Asset Resolution• Mortgage Servicing and Operations Process Improvement• Expert Advice… Show more I am Managing Director of CROSH Consulting, LLC. CROSH is a financial services consultancy that is focused on developing, building, implementing, managing and leading core capabilities for financial institutions through delivered results. CROSH Consulting provides practical solutions in the following areas:• Consumer and Commercial Banking Strategy and Execution • Risk Management and Problem Asset Resolution• Mortgage Servicing and Operations Process Improvement• Expert Advice for Bank Accounting, Financial Reporting, Planning and Forecasting • Purchase Accounting including Asset Liability Valuation• Assist with Merger/Acquisition Due Diligence – Financial Modeling and Technology Assessment / Integration• Technology Strategy and Systems Conversion / Integration• PMO, Program and Project Management Leadership Show less

I retired from Bank of America in March 2006 after serving as Senior Vice President and Enterprise Credit Risk Executive. In that role, I had overall responsibility for driving the strategic assessment of the enterprise credit portfolio and implementing and improving policies, tools, processes and reporting for managing credit across the corporation.

I served 5 years as the President of Bank of America’s Consumer Real Estate division, a top 5 mortgage and home equity lender that generated over $1 billion in annual earnings. During that time period we built a world-class team of business leaders and professional mortgage bankers and brought numerous new ideas and approaches to the industry while avoiding the sub-prime bog that captured virtually the entire industry.

Prior to being named to the Consumer Real Estate President position in 2000, I worked in Washington D.C. as Program Executive for Government Card Services. In this role I was responsible for the government travel, entertainment and purchasing card program for approximately 40 federal government agencies.