Michael Windsor Email & Phone Number

Westlake Village, California, United States

Managed monthly diagnostics, analytics and reporting of the $280 billion Consumer Mortgage portfolio to the Loan Loss Working Group Forecast. Collaborate with several cross-functional groups to incorporate mortgage portfolio, borrower, financial and COVID Loan Relief program data updates and changes to deliver the needed diagnostics, analytics and support for the Loss Forecast Admin Team. Initiated credit risk reporting focused CARES Act Loan Relief data for the Consumer Mortgage Portfolio which includes $24 billion of Relief Loans’ status and performance of interest deferrals, special forbearances and loan modifications.• Strategized and developed data mart of 12 distinct data sources including loan history, actual loan losses, forecast model input, income, assets, unemployment and COVID Loan Relief data. Aggregate point in time and periodic data into ‘one source’ for ease of use and flexibility in analysis and reporting, to support Loan Loss Forecasting used for the Consumer Mortgage portfolio.• Designed and implement a new credit risk reporting structure of the consumer mortgage portfolio data, key credit loss segmentation, and COVID Loan Relief Program data for over 75 reports for analysis and insights supporting Loan Loss Forecasts.• Lead monthly consumer mortgage loan portfolio reviews of critical risk information providing analytical insights of changes and trends and risk watch list items.• Contributed in the annual Comprehensive Capital Analysis and Review (CCAR) supporting document, review and examination prep for the federal regulators for the past 4 years.• Transitioned the Loan Delinquency Transition Model that aligns forecasted delinquent loan balances with the forecasted credit events and prepayments.• Migrated reporting processes to new Global Risk Data Platform and converting to Tableau Reportapplication to enhance business intelligence. Intellectual Curiosity is our motto

Simi Valley, California, United States

Managed 5 employees responsible for ensuring compliance of bank and loan loss policies for consumer mortgage loans. Emphasis on Federal Financial Institutions Examination Council (FFIEC) regulatory requirements and bank loss eligible consumer mortgage loans. Designed and executed financial controls, governance and oversight to ensure completeness and accuracy of Net Credit Loss (NCL) process for financial charge-offs and reporting. Assisted in the successful closure of 3 federal OCC MRAs (Matters Requiring Attention).• Designed and executed 8 regulatory FFEIC compliance controls and reports to validate the completeness and accuracy of the federal regulatory requirements and financial charge-off process.• Provided technical leadership assisting senior business leaders and management for the OverSight Loan Charge-off application to support the regulatory requirement changes.• Led the User Acceptance Testing (UAT) initiative for the genesis loss eligibility application and additional 24 program enhancement releases, including SQL server migrations and data structure conversions.• Strategized and executed semi-annual week-long training sessions, emphasizing shared knowledge, including cross-functional end-to-end process teams.

Calabasas, California, United States

Additional AccomplishmentsMultifaceted experience in a variety of specialized skills:• Credit Risk Management – Ensured data readiness for performing credit risk analysis and loss forecast for the CCLTV & Challenger Models, and HPIs and Delinquency Roll-Rates. Developed and implemented a SQL data infrastructure and automation for loading historical data, data cleansing, and data analysis for loss forecasting and historical trend reports. Analyzed portfolio trends, concerning credit score cutoffs, loss trends, portfolio dynamics, and bureau scoring criteria.• Accounting Operations Support – Managed 3 Associates and led the CLEAR consumer loan accounting system conversion parallel testing, reconciliations and user acceptance testing Strategized and implemented Disaster Recovery Platform and Business Continuity Plan.• Application Development – Completed Project Management tasks in the Technical Delivery Manager role for Business-As-Usual projects. Completed Forecasts, High-Level and Low-Level Design documents, Systems Analysis, Impact Analysis and Program Change Requests. Production Support for over 400 jobs.• Commercial Banking – Delivered monthly regional and 8 market executive strategic performanceassessment reports for Middle Market Banking [MMB] and Credit Products culminated from numerous data sources. Delivered monthly regional and market pipeline, activity, new relationships, and analysis.• Regional Executive Metrics & Reporting – Delivered executive Hoshin strategic performance and metrics reporting for Commercial, Consumer, Business & Global Wealth for 6 region executives culminated from numerous data sources, including controls and process improvements.

City Of Los Angeles

To Protect And To ServeDesigned and implemented 3 Community Policing Councils in the Foothill Area Division receiving Law Enforcement Program of the Year from the Attorney General for attaining 10%+ reduction in all crime across the board, and all community-police programs were distributed on a National COPPS video: Community-Police Council made up of business and community leaders for the suppression of Neighborhood crime and for the improvement of the quality of life. Clergy Police Council made up of 133 Clergyman from the various religious faiths to complement liaisons in the community to gain trust and cooperation from the community-at-large to enhance the quality of life. School Police Council made up of numerous youth leaders from the 120 feeder schools elementary thru high school, including juvenile court schools, to gain the trust and cooperation from the youth-at-large and to teach and empower young people leadership and making a difference in their communities.Presented the awareness and accomplishments of these Community Policing Councils to Los Angeles City Mayor Richard Riordan and to the Foothill Area City Councilmen. Gave a live televised broadcast to the LAUSD School Board and numerous news network interviews.D.A.R.E. Program under Chief Darryl Gates - Prepared the 501c3 Tax Exempt Filing and contributed to the preparation of the Non-Profit financial statements. Prepared the monthly budget and Attended monthly philanthropic meetings presenting applications and results of donations used for drug education and awareness programs in the LAUSD feeder schools.

Master Of Business Administration - Mba, Leadership, 3.89

Activities and Societies: President MBA Association, Charter President Sigma Beta Delta, Wall Street Student Achievement Award.

Bachelor Of Science - Accounting, Emphasis Audit & Corporate Tax

Activities and Societies: VITA - Volunteer Income Tax Assistance

Bachelor Of Science - Finance, Emphasis Corporate Finance & Investment

Activities and Societies: Student Registration Volunteer