Risk Officer

Ensure daily compliance of enterprise and entity-level derivative use with regulatory and internal requirements, and counterparty credit risk limits for $400 billion derivatives portfolio. Conducted risk management oversight of derivatives operations and derivatives trade order management, and participated in the Derivatives Operations Risk Oversight Committee.Wrote board-level, governing policy documents for derivative use at the enterprise and entity level and set counterparty credit risk exposure limits. Managed development and maintenance of automated risk reporting, analytics, and compliance monitoring systems for credit and operational risk management.Managed staff of two.

Oversaw the Residential Mortgage Credit Risk Management and Analytics group at MetLife Bank, reporting on all risks associated with $2.0 billion per month conforming mortgage lender and $80 billion mortgage servicing book.Built and managed team (staff of nine analysts) responsible for all periodic and ad hoc reporting and analytics for residential mortgage risk management. Member of Product Policy Review Team: Contributed to the development of credit, operational, and administrative risk policies.Authored monthly summary of reporting highlighting key areas of mortgage risk exposure for presentation to senior management.

Administered all aspects of $18 million per year commercial business licensing S&P’s mortgage analytics and data products.Established pricing for and negotiated all licensing agreements with clients.Negotiated contracts partnering S&P with external partners toward the joint development and marketing of mortgage analytics products.Designed new mortgage analytics products, and managed development and market delivery.

Supervised 15 ratings analysts.Performed credit ratings for non-conforming mortgage backed securities.Developed inaugural mortgage lender and issuer operational quality ratings criteria for use in rating agency analysis of U.S. residential mortgage backed securities.Wrote periodic and ad hoc analytical papers distributed to the capital markets and the financial media.Conducted reviews of mortgage lenders and conduits to evaluate operational quality.

Member of mortgage lending executive team, managed two departments with staff of 18.Oversaw all aspects of risk management for mortgage origination platform.Managed $2.5 billion mortgage loan portfolio to 11 basis points in loss and profitable net-interest margin.Developed and executed portfolio management policies and strategies.Managed and conducted the execution of all analytics and reporting.Developed and administered risk-based pricing strategies to optimize asset quality, portfolio diversification, and return.Built all models used for portfolio monitoring, pricing, risk analytics, etc. Operational Risk ManagementEvaluated all new business initiatives to determine strategic viability, potential for new business, evaluate benefit to borrowers, and to manage all potential risks, particularly credit and operational risk.Ensured effectiveness of internal controls associated with sales, pricing, underwriting, appraisal management, closing, and post-closing operations.Implemented and managed quarterly SOX compliance reviews for entire lending operation.Managed relationship with federal regulator and drafted first OCC-approved Risk Management Program.Wrote position papers and conducted analyses of economic, industry, and market trends for use in business strategy development and execution. Audience included Champion and Key Consumer Finance Executives.

Project Manager responsible for digitization of securities research and electronic distribution capabilities.

Mortgage- and Asset-backed securities research analyst.