“The modeling and risk analysis performed by the Finance department is among the most comprehensive and thorough we’ve seen for a bank of this size. An excellent display managing balance sheet risk during a volatile rate environment.” -OCC- Oversight of the Finance Department and management of staff.- Built in-house budgeting and forecasting model from the ground up using a driver based system.- Lead interest rate risk, fair value, and what-if scenario modeling.- Manage bank’s liquidity and procurement of brokered funding as necessary.- Investment and bond accounting.- Strategic planning through Asset Liability Committee (ALCO) and Loan/Deposit Rate Committee.- Drive team think outside of the box to enhance, automate, innovate.- Leader of strategic direction relating to margin, marketing analytics, and data management.

- Plan and execute all interest rate risk and liquidity stress testing.- Implemented a new budgeting process with additional seasonality, trend, and peer comparison analytics.- Implemented long term rolling forecasts with analysis from line leaders.- Performed ALM modeling.- Wrote weekly deep dive article from proactive analysis.- Automated numerous report generation process. Process improvements led to increased time spent analyzing results.- Led new innovation initiative. Recruited an innovation team with the goal to empower all employees to find new ways to innovate any part of the Credit Union. The team reviewed submissions and prioritized for quick and impactful wins.

- Optimize monthly campaign selections (at the 5% IRR threshold) ensuring profitable customers are being mailed.- Work directly with modeling and actuary teams to update model scoring and rate changes.- Write SAS and SQL queries identifying patterns in response rate based on selection depths and model variables.- Analysis performed monthly on campaign and test performance to leadership groups.- Forecast for all life and term insurance products.- Responsible for managing monthly direct mail campaigns for life and term products totaling to $5.5 million in new annualized premium per month.- Performed multivariate testing and analysis across all life and term products.

- Analyze patterns of service adoption over time, focusing on new member growth.- Research on member spending habits to increase credit card balances through new member acquisition.- Maintain consumer relationship management system to produce targeted mailing lists based on product need, demographics, age, and geographic location.- Created a ROI calculator for the Marketing department.- Worked with website team to analyze website traffic creating a heat map on webpages showing effectiveness of banner campaigns. Developed metrics to determine what types of calls to action were most effective amongst web member base.- Performed propensity modeling suggesting a “next likely product” per member for front line staff increasing referral efficiency.- Lead front line recognition reporting.

- Developed an in-house loan analytic package to satisfy auditors and replacing the outsourced loan analytic package, saving the Credit Union $35,000 annually.- Produced monthly organizational, branch financial statements, and key performance reports.- Developed custom analytic reports to present to senior management and the board.- Owned budgeting and forecasting for 24 branches, along with long-term trend and seasonality analytics.- Published monthly video blog throughout the credit union to quickly and effectively educate the credit union’s key financial performance.- Proactively reached out to other departments creating efficiencies and value to their everyday tasks.