Russ Moran Email and Phone Number

VP, RISK REVIEW MANAGER (2011–10/2017)I managed a team of 5 in assessing risk and reviewing the policies and procedures for specific lending product lines. I also ensured that policies and procedures were reasonable and complied with government regulations. • Performed due diligence and analysis for the purchase of Gateway One Lending and Finance.• Developed the audit scope and monitored the Retail Lending and Gateway One product lines, representing $4.8 billion in loans outstanding for Retail Lending and $3.2 billion for Gateway One.• Increased profits by analyzing pricing for auto industry loans and identifying rate deficiencies. • Developed policies and procedures to evaluate and control credit risk and manage loan credit quality.• Monitored lending portfolios for emerging credit risk trends.• Made recommendations to executive management in relation to credit quality changes.FUNCTIONAL DEPT. – PRODUCT DEVELOPMENT (2008–2011)I collaborated with a team of 8 to develop the first Allowances for Loan and Lease Losses (ALLL) methodology for Retail Lending, ensuring adequate monies were set aside to cover potential losses. • Instrumental in developing the on-line loan application system and apps that customers use to apply for various loan products.• Instrumental in developing a Triggers Program for automatic product solicitations to current TCF customers with appropriate credit approvals. CREDIT REVIEW OFFICER (1995–2008)I managed and developed policies and procedures used to evaluate and control credit risk. Advised lending officers across 6 states regarding the best practices for corporate lending. • Oversaw the annual portfolio analysis for the company. • Developed tier pricing guidelines for real estate secured-consumer loans.• Managed of loan credit quality with compliance matters. • Ensured all documents adhered to company and industry standards.• Made recommendations to management regarding credit quality changes.