Lead the third-party risk oversight function for WF Home Lending correspondent seller and wholesale broker business units, including prime and non-prime client bases. Lead a 45-person team organized around two functional activities, client on-boarding and client monitoring / risk mitigation. Client on-boarding activities include due diligence, program eligibility determination/approval, contract administration, on-going financial analysis, guideline variance approvals, fully negotiated client guideline acceptance, and bulk bid testing and administration. Client risk monitoring / mitigation activities include risk model development, client performance improvement plans, workout strategies to mitigate multi-million dollar exposures, commercial receivables collection, risk oversight of mandatory trade (forward sale) contract activity, development / execution of credit quality and compliance risk control programs for other business units, and quality control testing.In addition, since 10/06, lead residential mortgage fraud risk management oversight and control function for all business units, including home equity. Lead a 60-person team organized around fraud prevention, detection, investigation, and fraud loss mitigation. Activities include development / execution of fraud risk control policies and programs for other business units to prevent and detect fraudulent loan transactions, research / investigation of fraud tips, and mitigation / recovery of fraud loss upon incurrence.

Managed the client risk management function for Correspondent, Wholesale, and Sub-prime channel client bases. Lead a 30-person team with responsibility for the overall process of credit quality and compliance risk identification, monitoring, resolution formulation, and implementation of risk mitigation strategies. Principal activities include oversight and approval of (1) complex risk analysis model development, (2) client performance improvement program development, negotiation, and execution, (3) workout strategies to mitigate multi-million dollar exposures, including commercial receivables collection, (4) risk exposure arising from mandatory trade (forward sale) contract activity, (5) development / execution of credit quality and compliance risk control programs for other business units, and (6) quality control file testing to support delegated authority approvals.

Until 3/01, executed a strategy of initiating and managing equity investment relationships with private equity deal sponsors to identify and complete corporate finance opportunities. Position primarily entailed developing and structuring senior and mezzanine financings in connection with merger and acquisition transactions and evaluating equity co-investment opportunities. Private equity client portfolio grew to $15MM of equity investment commitments and corporate loan portfolio grew to $425MM during this period. Activities after 3/01 concentrated on rehabilitating and working out of stressed loan situations, while refocusing on traditional upper middle market loan opportunities.

Worked with upper middle market clients with a particular emphasis on managing complex leveraged transactions that included mezzanine and equity investments. Position entailed extensive financial and credit analysis, credit structuring, negotiation of credit agreements, cross-selling, and training of junior associates. Client portfolio grew from $175MM of outstanding loans to $325MM during this period.

Responsible for developing and maintaining relationships with existing leveraged public/private corporate clients ranging in size from middle market to Fortune 500. Accountable for business development of new and existing corporate clients via promotion of credit and non-credit financial services. Client portfolio grew from $100MM of outstanding loans to $175MM during this period.

Assisted in loan underwriting process, including loan structuring and pricing. Assisted in new business development and calling efforts of new and existing corporate clients. Monitored existing corporate client relationships and credit risk profiles. Produced client-specific credit proposals/reviews and periodic loan portfolio quality analyses for senior management.

Completed financial analyses and credit reviews while rotating through the Corporate Banking Group, Real Estate Group, and the Trading Group. Achieved renewal of interest rate and foreign exchange risk hedging facilities for ten multinational corporations. Developed and sensitized cash flow projections for commercial real estate properties to determine maximum loan to value limits.

Responsible for complete regulatory activity of a portfolio of community banks. Evaluated management capabilities, asset quality, and capital, liquidity, and earnings adequacy to assign overall bank safety and soundness risk ratings. Wrote exam reports to banks' Directors to convey exam results and consulted with management to achieve improvement. Directed review teams during exams as examiner-in-charge. Directed credit reviews and meetings with bank management to determine loan portfolio quality and loss reserve adequacy. Received three promotions in less than four years.