Fred Rubin Email & Phone Number

Houston, Texas, United States

• Employ control and authorization over all phases of a key process improvement project with accountability for recommending best practices for substantial syndications.
• Spearhead the development and implementation of exception tracking and loan origination systems.
• Investigate and assess a bank credit operations group which managed booking to payoff processes.
• Identify and evaluate quality assurance issues with the goal of pinpointing root causes and developing ideal methods… Show more
• Identify and evaluate quality assurance issues with the goal of pinpointing root causes and developing ideal methods for resolution execution.
• Perform in-depth analysis of credit risk functions for two financial institutions with footprints ranging from community banks to multi-regional levels.

Arlington, VA

• Demonstrated expertise throughout the successful launch of several new products in the auto lending and personal lending arenas.
• Heightened bank results on exams and audits by significantly decreasing delinquency, loan exceptions, and classified loans.
• Studied, scrutinized, and fully restructured the overall credit policy to ensure adherence to OCC guidance on Real Estate lending practices.
• Researched, procured, and headed the implementation of a new loan processing… Show more
• Researched, procured, and headed the implementation of a new loan processing system.
• Realized a growth of more than 8% on an annual basis throughout tenure.

Costa Mesa, CA

• Achieved measurable success in lessening the interval from application to approval from 93 to 15 days.
• Conceptualized, designed, and produced a new credit card for business use as well as implemented nimble credit criteria.
• Studied, analyzed, and resolved critical issues with the Asset Based Lending function.
• Generated an effective system for monitoring exceptions financials and covenants.
• Administered all facets of both single and multi-family underwriting and portfolio… Show more
• Administered all facets of both single and multi-family underwriting and portfolio purchases. Show less

Alexandria, VA

• A $25 billion credit union with a national footprint including Puerto Rico and Guam.
• Established a detailed risk adjusted pricing policy, ultimately realizing a 4.98% increase in credit card yield and 1% in auto lending.
• Maintained low levels of delinquency, loss under 60bp, and a 17bp increase in NIM.
• Conducted thorough due diligence for $100 million in purchases and a portfolio integration of consumer and single-family mortgage loan portfolios.
• Spearheaded all… Show more A $25 billion credit union with a national footprint including Puerto Rico and Guam.
• Spearheaded all activities related to quality assurance across the entire portfolio.

Lititz, PA

• Regional bank with $18 Billion in assets.
• Provided tactical leadership for a credit review program and 22 staff as a key player in developing a credit culture through data driven conclusions.
• Delegated due diligence activities and launched a model scorecard program for risk rating credit.

• Operated as Chair of the Executive Loan Committee, member of the Bank Compliance Committee, Community Reinvestment Act (CRA) Officer, and Chief Compliance Officer.
• Presided over the concentration management program which consisted of concentration group stress testing.
• Governed two OCC examinations, heightened overall ratings, and lowered the watch list.
• Trained, mentored, and motivated front line lenders in the area of structuring new and work out credits.

Provided advice, coordination and reporting on regulatory matters involving the Holding Company and subsidiary banks of a top 10 financial institution by advising the Treasury, Compliance, Audit and Risk Management divisions. Membership or regular presentations in Operations Governance Committee, Bank Risk Oversight Committee, New Business Initiative.

Responsible for assessing and reporting on asset quality at a top ten US bank, including development and execution of methodologies for lines of business including credit cards, auto financing, residential mortgage, home equity, commercial lines and small business. Findings led to a 4:1 return on investments in the Credit Review Group on business process.

Developed examinations of all levels of risk to Freddie Mac including asset quality, reporting, management and business processes used at Freddie Mac, a major guarantor of mortgage loans. Projects included reviews of counterparty risk, mortgage insurance programs and the Credit Risk Management Group. OFHEO’s expert on the Interagency Flood Insurance Task.

Responsible for forecasting and monitoring credit losses and budgetary entries at a U.S. Government Agency with annual guarantees of over $1 billion. Responsible for the Passing of Public Law 108-113 signed by President Bush. Served as the subject matter expert in the CFO’s office regarding Financial Planning and Analysis, commercial lending guarantees.

Mclean, VA

• Managed the credit analysis, documentation and closing groups for Northern Virginia region. Reported credit portfolio metrics to the Board of Directors and served as the liaison for all regulatory examinations..
• … Show more Managed the credit analysis, documentation and closing groups for Northern Virginia region. Reported credit portfolio metrics to the Board of Directors and served as the liaison for all regulatory.
• Authored the Bank’s credit policy manual.
• Developed the Strategic Plan leading to bank sale at over 3 times book value to a regional bank.
• Developed a reliable methodology for the Allowance for Loan and Lease Losses and legal lending limit to resolve violations of law.
• Restructured credit administration and credit analysis groups to pare staff costs by 20%. Show less

Conducted examinations of regional and community banks in the Mid-Atlantic to assess overall risk. Assessed and reported on safety and soundness, compliance, and capital markets. Specialized in assessing underwriting and management of commercial loan origination processes and administration, but also conducted examinations of liquidity, capital markets.

Mclean, VA

Greater New Orleans Area

Northern VA

Since December 2009Identified and assisted in filling volunteers for the Boy Scouts by networking and researching community leaders so that we could ask them to work with the Scouting Community

Herndon/Chantilly, VA

January 2004 – December 2006 (3 years) Herndon/Chantilly, VAScoutmaster for an extremely large troop of 125 scouts ranging from 11 years to 18 years old. Responsible for guiding the troop including budgeting, monthly trip planning and execution, awards, rank advancement, and mentoring and coaching. Also served as the camporee chair for a district of 30.

Started this group in 2002 and it grew to over 1000 members. It was then merged with the Council Gathering of Eagles NESA chapter

Ba, Economics

Banking

Education record