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 • 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 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.• Compose, review, and update lending policies for specialized lending groups, including healthcare, alternative energy, and TV and movie production.• Design and conduct risk training for all levels of staff from new employees to experienced credit analysts.• Create strategic credit frameworks for commercial lending programs and credit departments. Show less

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 • 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 system.• Realized a growth of more than 8% on an annual basis throughout tenure. • Served as voting member of the Credit Risk Management Committee and member of the Enterprise Risk, ALCO, Allowance, and New Product committees. Show less

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 • 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 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. • 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 activities related to quality assurance across the entire portfolio. • Piloted the creation of a dedicated analytics group for the purpose of developing a risk-based pricing infrastructure. • Formulated a comprehensive credit dashboard for utilization by executive management, enhancing the overall decision process.• Delineated optimized pricing policies, credit training, balanced scorecard, and credit reporting.• Revamped the credit group in an effort to achieve growth goals and ensure portfolio security.- Awarded CEO’s No Speed Limit Award for 2014 Show less

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 Group, and Governance Risk and Control Group. Led implementation of the Governance Risk and Control system for regulatory findings, resulting in… Show more 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 Group, and Governance Risk and Control Group. Led implementation of the Governance Risk and Control system for regulatory findings, resulting in reduction of an FTE. Show less

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 and credit risk control improvements, delivered to executive management with quarterly updates to the Audit and Risk Committee of the Board… Show more 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 and credit risk control improvements, delivered to executive management with quarterly updates to the Audit and Risk Committee of the Board of Directors. Developed relationships with other functional areas around the company to facilitate findings and intelligence. Developed a continuous monitoring program used to identify emerging issues and completed gap assessments and action plans for purchased banks. Show less

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 Force and the National Flood Insurance Program.

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, credit policy and underwriting considerations, and related legislative policies. Developed the Agency’s statistical modeling program… Show more 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, credit policy and underwriting considerations, and related legislative policies. Developed the Agency’s statistical modeling program, resulting in a savings to the annual budget of $80 million for the 7(a) program. Developed and implemented procedures manual resulting in the Agency’s first unqualified financial statement opinions. Formed a government-wide group for Financial Analysts, presented 3 annual best practices seminars. Developed and implemented a database to conduct financial analysis. Developed the Agency’s lender oversight plan to reduce risk and provide an efficient examination process. Show less

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. Responsible for managing back room operations including developing, approving and managing the credit policy exception process, building a system to track credit policy exceptions, financial statement due dates and analysis, and covenant tracking and analysis. Major accomplishments:•… 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 examinations. Responsible for managing back room operations including developing, approving and managing the credit policy exception process, building a system to track credit policy exceptions, financial statement due dates and analysis, and covenant tracking and analysis. Major accomplishments:• 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, and compliance with laws and regulations, (including AML/BSA and Securities). Major accomplishments included leading the reporting of… Show more 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, and compliance with laws and regulations, (including AML/BSA and Securities). Major accomplishments included leading the reporting of violations of law and regulation for a large regional bank’s commercial real estate division during the “east coast credit crisis” in 1991, leading committee within the DC field office responsible for strategic planning, economic analysis and risk management within 4 states to focus examiners on risks related to regional economics and bank concentrations and leading multiple examinations at adversely rated banks with assets over $1 Billion. Show less

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 troops, numbering over 1000 scouts. I planned and executed inter-troop activities from 2005-present, pulling together resources… Show more 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 troops, numbering over 1000 scouts. I planned and executed inter-troop activities from 2005-present, pulling together resources (including funding), logistics, health and safety to ensure an enjoyable and safe weekend for 500 plus scouts and adults. Received District Award of Merit, Distinguished Scoutmaster Award, and Commissioners awards. Followed up with Chairing the District Nominating committee and serving on the District Good Scout Award committee Show less

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