Patrick Ross Email & Phone Number

Denver Metropolitan Area

Denver Metropolitan Area

Implemented and maintained a SAS-based policy algorithm to identify underwriting process errors and address regulatory issues; the algorithm successfully passed all internal and regulator audits.Wrote advanced SQL queries to design senior credit originations reporting and evaluate emerging trends in the business and environment to provide guidance for underwriting policy changes.Developed a complex SAS based credit decisioner analysis leveraging numerous data marts to provide valuable insight and recommendations to leadership around managing underwriting risk and staffing requirements.Built a change management process to document changes and evaluate impacts to the business and current processes; the process was implemented across all of credit risk analytics as a tool to validate code changes and identify policy changes that could have adverse impacts to exceptions reporting.Guided engineers in development of Teradata logic and views to address critical business requirements.Acted as a subject matter expert for deciphering complex data mart questions and programming code associated with Teradata, SQL Server data marts, and SAS and SQL programming.Consistently found ways to complete complex reporting and analysis for leadership requests in tight timelines.Owned and completed numerous Confidential Supervisory initiatives for senior leadership and regulators that mitigated large financial impact.

Portland, Oregon, United States

Supported efforts related to regulatory audits by generating audit files, researched auditor inquiries, and provided clear, concise responses to auditors.-Participated in internal, external, and regulatory exams and subsequent corrective action plan management.

Portland, Oregon, United States

Produced and maintained logic for the home lending risk originations deck. Provided in-depth analysis and reporting to create actionable recommendations for management.