Promoted to provide leadership and direction to optimize credit risk across the lifecycle. Create, implement, and validate diverse risk segmentation strategies, including adjudication, exposure management, and financial return optimization. Analyze complex data, leveraging advanced analytical approaches and business intelligence tools to inform decisions that align with TD's risk appetite and regulatory requirements.• Leading AI application development within credit risk, providing end-to-end solutions and frameworks for future integration.• Partnered with Executives to establish data allowance procedures in preparation for a significant merger with First Horizon Bank.• Managed a cloud data platform, ensuring seamless operations and effective data resource management.

I was brought on with a mandate to create and execute automation tools that would advance analytics and insight department’s strategic objectives and roadmap. In this role I supported critical initiatives through the delivery of data, reports, and analytics that enable business partners to make informed strategic decisions. I compile data and insight reports and build dashboards that provide insight into risk ratings, regulatory compliance, and operational metrics.Key Accomplishments:• Stepped up and handled US GAAP reporting after unanticipated departure of colleague. • Consolidated several data servers to build in-house credit risk database using SAS, Excel, Access, T-SQL, PL-SQL.• Automated 4 models after identifying outdated manual processes including loss given default and probability default. Designed calibration data set for Model Development Team use.

I was promoted to amplify and sharpen our company's decision making capabilities by identifying opportunities for process improvement, building new data analysis tools, optimizing model development and validation methodologies, and designing tailored commercial real estate forecasts for investors. Conducted initial analysis, selected variables to build models, and assembled requirements for custom forecasts and analysis from industrial commercial real estate clients. Translated complex data analysis concepts to plain speak, communicating with internal stakeholders and clients regarding specialized and custom models, specific reports and model documentation, and model functionality. Key Accomplishments:• Produced 210+ forecasts annually using STATA by extracting big data on all commercial real estate in U.S., cleaning data, and statistically analyzing massive data sets to produce tailored forecasts for investors representing numerous scenarios. • Skyrocketed efficiency and model impact via automation. Automated tool that selected optimal model type for provided data set and conducted cross-validation to ensure accuracy. • Clarified options and risk for executive team struggling to decide whether to separate industrial real estate into categories. Overhauled models, quarterly calibration process, and validation to empower team to select high-ROI option that won $200K advisory client and industrial REITS.

Conducted research for RFPs, wrote marketing reports, and extracted data for financial proposals.