CREDIT ADMIN & RISK, UNDERWRITING & PORTFOLIO MANAGEMENTManager for teams addressing key initiatives to support Commercial and Small Business lending, such as: updates to Argus, Moody’s Risk Analyst - spreading templates, and Commercial Risk Rating Platform (CRRP) - PD and LGD scorecards supporting $95b portfolio• Established roadmap by working with Model Risk Office (MRO), compliance and guidance teams• Led implementation of Healthcare scorecards for GE HFS acquisition integration ($5b asset size)• Directed implementation of CRRP scorecards calculating Accounting Loss Given Default (ALGD) that is used by Comprehensive Capital Analysis and Review (CCAR) and stress testing teams• Designed solution that enabled risk rating Beech Street obligors via CRRP in support of Beech Street Capital acquisition, which added $10b in CRE loans to Capital One's portfolio• Recognized for leading teams in adoption of Agile principles, delivering on initiatives in SAFe framework in an Agile release train, execution via JIRA and 12% cycle reduction • Collaborated with Portfolio Analytics team to determine vendor data needs and worked with vendor management office regarding integration cost options• Contributed to Systems Map enabling concise depiction of roles, key terms, and lending process which included the following per stage: tasks, artifacts, systems• Spearheaded migration of document storage to SharePoint and served as site administrator for Credit Risk

CREDIT ADMIN & RISK, UNDERWRITING & PORTFOLIO MANAGEMENTBuilt product backlog comprised of business, regulatory and technical priorities for Commercial Credit applications, led story grooming with teams, discussed options with stakeholders, confirmed release scope, communicated status, documented release/SOX artifacts (e.g. business, system, API/interface and data documentation) and shepherded each release• Partnered with Deloitte to conceive solutions architecture for core platforms, including design and implementation of CRRP (1,000+ users) to generate (obligor/counterparty) PD and (facility) LGD ratings utilized in credit approval process as well as in ongoing portfolio management • Created end-to-end solution requirements/design of PD scorecards (e.g. Commercial and Industrial, CRE and specialty, such as Healthcare, Energy) and LGD scorecards (e.g. REIT/REIF) that enabled accurate portfolio risk assessment (Basel work)• Managed implementation of macroeconomic factor updates used by PD models• Led Acceptance Test Driven Development (ATDD) initiative, increasing automation by 25%• Recognized for innovative work that implemented Admin capability in CRRP enabling configuration versus requiring code deployments for routine updates, which reduced resource allocation and time to market• Presented with various awards from senior management including: Exceptional Delivery, Leading for Good, Lives the Values, Exceptional Teamwork

STRATEGIC BUSINESS SERVICES DIVISIONResponsible for building financial software as ARGO’s base product, presenting local and on-site product demonstrations, consulting with client banks/lending institutions, and designing software in consideration of long-term efficiency, configurability and scalability• Awarded recognition for various contributions to ARGO's base product, such as: design for the process of manual to automated underwriting and design of Champion/Challenger testing • Recognized for building and maintaining extensive library of credit bureau attributes in support of implementing automated decisioning logic• Contributed to ARGO’s value proposition by my ability to provide consultation to lenders on credit policies, decision strategies, scorecard opportunities and on implementing scorecards for credit risk management and Basel compliance• Selected as lead on implementations for client banks/lending institutions (e.g. CarMax Auto Finance)

Entrusted with managing a Credit/Funding staff of 12+ persons with the following core responsibilities: hire/develop employees (maintain per employee: Skills Matrix, Nine-box Performance/Potential Grid for Succession Planning), manage individual/team performance, deliver monthly incentives and annual reviews to employees• Received Peer Recognition Award for Top Performance and Leadership• Recognized for accomplishments in leading Department to $80MM and $100MM/month records• Instrumental in taking Oklahoma region to < 4% delinquency rating utilizing risk controls and pricing (non-prime portfolio)• Represented Credit/Funding on vendor selection committee for new LOS• Served as trainer for credit/sales staff for U.S. regions on credit policy and deal structuring • Selected as lead for Decision Review Team working with Risk Department to audit scorecard(s) decisioning logic

Responsible for underwriting retail installment contracts from franchise/independent automotive dealers, promoting lender contests and negotiating (e.g. rate, fee, term, payment, stipulations, decline override and participation/flat) against competitor loan offers in order to attain contract commitment to Auto One• Recognized for decisioning 100+ applications/day with 34% capture ratio and target yield• Selected to work dealer sales on site alone and entrusted with field lending authority