Muhammad Ajmal Email & Phone Number

Charlotte, North Carolina Area

• Execute BLF, CECL, and CCAR production against tight deadlines. Deliver loss forecast results in a timly manner for mortgage, and home equity portfolios.• Execute HLRRM on a monthly basis and provide analytics to a wider audience within the home lending group. • Responsible for loss forecast, net loss trends, loss curves, and trend analysis for home equity and mortgage portfolios.• Provide critical support to corporate, LOB efforts to communicate forecast results through CCAR challenge sessions and CCAST portfolio review meetings and LOB management review meetings. Respond effectively to regulatory and audit reports by stated delivery timeframes. • Maintain updated documentation in support of BLF/CECL/CCAR process. Documentation updates are maintained in accordance with COSO standards and meet deadlines associated with the specific reports/functions. • Participate in UAT (user acceptance testing) after completion of the model development but prior to the using of the new model.

Columbus, Ohio Area

• Processed Net Flow Model to forecast net credit losses and delinquencies for Chase Home Mortgage and Home Equity Portfolios. The portfolio was segmented by product, TDR, Non-TDR, and CLTV. • Performed in-depth analysis for TDR (troubled debt restructure) loans by different segments PCI & Non- PCI and by modification programs including HAMP, HARP, CHAMP, 2MP, HOPE modifications.• Developed a comprehensive waterfall analysis for mortgage and home equity portfolios by portfolio segments, credit statistics, and other data views. • Compiled and updated loan loss reserves (ALLL) delinquency reporting for TDR loan and other segments. Provided detailed documentation and framework around ALLL adequacy

• Developed and updated roll rate models, loss, and delinquency curves for Bankcard, Home Equity, Auto/Lease portfolios across various vintages to support the long-term loss forecasting and to monitor the performance of all the segments of each portfolio.• Performed severity analysis of Home Equity and Auto portfolios by considering various scenarios of economic indicators including unemployment rate, HPI, and bankruptcy rate.• Forecasted and monitored credit losses of the Home Equity TDR loans as part of the loss mitigation process and to manage loan loss reserves (ALLL) for consumer credit losses based on current economic trends and other factors related to a particular portfolio.• Provided monthly, quarterly reports with the origination, delinquency performance, and charge off data for home equity, auto, and bankcard portfolios for the bank’s quarterly Earning's release.

• Integrated the new application process and originations into the existing FDR database. • Performed account maintenance, introduction of new financial products and implementation of the processes to handle the new dual card transactions for Sams Club and Walmart credit card portfolios.• Lead a variety of financial planning and project analysis projects by using business development, strategy setting process to create operational dashboards across the organization and associated product and business groups.• Improved effective compliance efforts in alignment with all the policies, standards, regulation and record management across the organization.

Mba-Plus, Finance

Activities and Societies: Student Fund Manager at Xavier Student Investment Fund (XSIF)

Mba, Business Management

Bachelors Of Science, Information Systems

Activities and Societies: Member of the Honor Society