Rick Ross Email & Phone Number

-Portfolio Analytics-Reporting-ALLL-CECL

-Portfolio Analytics-Loss Forecasting-Stress Testing-ALLL

-Portfolio analytics-Reporting-Loss Forecasting-Stress Testing

•Coordinated, authored and created all reporting functions within the Risk Management Department including but not limited to Sr. Management reports•Designed and implemented a pre-funding Fraud Scorecard to identify loan applications that have a high potential for misrepresentation. (Has helped prevent over $200M in high risk loan volume since Dec 2007)•Created ERM Risk Assessment tool that will be used to perform standardized Risk Assessments (MS Access)•Created and maintained multiple risk modeling tools used for risk based analysis•Developed an analytical risk rating model to assess the risk of Guaranty’s second mortgage portfolio•Performed quantitative research using historic loan data, trending analysis, in MS Excel•Created and developed a mortgage broker performance scorecard•Held the lead role in a major software development/implementation project•Developed databases for tracking loan repurchase and fraud reviews (MS Access)•Designed, implemented and utilized databases for GLBA and Vendor (TB82A) Risk Assessments•Researched links between credit quality and loan delinquency•Created Fair Lending Analysis reporting methodology•Developed process for Home Equity Line of Credit freezing•Held a lead role in the Bank’s creation of a Record Retention Management Program. (Developing framework for program, writing policy, writing instruction manual, etc.)•Assisted in management of Bank’s Business Continuity Planning

-Created and implemented new and innovative ways to perform audits and communicate results-Revamped the audit process and report format (MS Access, MS Word)-Constructed many applications using MS Excel/Access at an advanced level-Developed written procedures for department functions-Communicated audit findings through written reports, teleconferences, and presentations-Performed the lead role in report writing, communication of findings and many audit functions-Became a “go to” individual for all departments in the clarification of proper procedures regarding home equity loan compliance and quality-Trained new employees on internal auditing functions and projects-Created training tools in MS Excel used at bank branches nationwide

-Bore sole responsibility for completion of numerous compliance projects and internal audits-Audited all aspects of second mortgage loans with a focus on underwriting quality

-Assisted with mortgage broker approvals-Performed numerous specific audits related to second mortgage loan compliance including but not limited to predatory lending compliance, high cost loan reviews.

-Reorganized MS Excel spreadsheets used for shipping cost calculation-Generated invoices and tracked shipping costs using Cincom accounting software-Assisted in preparing, mailing, and delivering company checks

Mba, Business Administration

Activities and Societies: Member of business honor society Beta Gamma Sigma, 2004 Advanced electives in statistics, financial modeling.

Bachelor Business Administration, Finance Major