Rob Bingham Email & Phone Number

Salt Lake City, Utah, Us

Salt Lake City, Utah, Us

Collaborate with credit underwriting, risk management, quantitative analytics and technology teams for development and implementation of a new enterprise risk rating model framework. Enterprise change management, credit policy and procedure procedure, user training and support and model performance evaluation and monitoring. Resulted in conceptually sound risk rating model framework, consolidation of resources and resolution of audit and regulatory findings.Manage relationships with model risk management and key stakeholders and navigated model validation process.Manage quantitative model development process to assess historical data quality and build predictive credit risk models (PD, LGD, EAD, EL) the wholesale commercial portfolio ($45 billion).

Salt Lake City, Utah, Us

Led initiative to implement a risk management framework including governance, quality assurance controls (SOX) and testing, bank and board level reporting and defined performance thresholds and required remedial actions for a $40+ billion commercial portfolio. Reduced error rates from 13% to 0.61%, consolidated QA and reporting functions resulting in FTE savings and resolved open audit and regulatory findings. Implemented internal loan review process targeting loans sized just below escalated loan approval requirements contributing to improved credit quality over a three year-period. Bank and Board level reporting. Immediate feedback to business units. Lender training and support.Part of project team to overhaul and update credit policy. Managed RFP process for potential consultants, technical writing, chaired working groups, enterprise-wide communication. Improved credit risk management while enabling the business units to excel at business development and relationship management.

Salt Lake City, Utah, Us

Credit analysis and training. Risk assessments and spreading. Developed spreading and risk grading standards for enterprise implementation. Managed, researched and resolved audit and regulatory findings. Worked with representatives from multiple departments and lending divisions to research and implement common credit risk assessment practices resulting in resolution of multiple internal audit and regulatory findings. Chaired working groups to develop consistent standards for credit systems. Managed system upgrades, documentation, provisioning and re-accreditation.