Ryan Redding Email & Phone Number

Costa Mesa, Ca, Us

Irvine, California, United States

Honolulu, Hawaii, United States

Honolulu, Hi

-For Regulation AB requirements, performed procedures required by the SEC to test the accuracy of loan level and collateral reporting elements for securitization transactions by building Excel-based payment models that ensured deal assets (collateral cashflows) properly matched liabilities (offered bonds and credit enhancements). -Assessed the reasonableness of a bank’s credit card receivables Excel-based models by performing a high-level analysis of calculation methodologies on their gain-on-sale and targeted return liability models related to their key assumptions.-For fixed-income securities valuation projects, utilized Excel, Intex, Bloomberg, and CAS to assist in pricing securities and checking the reliability and reasonableness of the client’s fair market value of fixed income bonds, structured products (RMBS, CMBS, ABS), and loan level assets held in the company’s investment portfolio related to the entity’s financial statements. -Re-engineered collateral and bond cash flows using client provided assumptions and methodology, generated bond analytics (i.e. decrement tables, payment window and dates, price yield tables), and compared independent analysis to information disclosed in the transaction offering documents.-Collaborated with issuers, investment banks and attorneys to produce and verify the accuracy of modeling assumptions, priority of principal and interest distributions and bond analytics disclosure in the offering documents.-Reviewed and compared key collateral metrics, data and statistics using client provided data files, to comfort information disclosed in the securitization transaction offering documents.-To ensure the accuracy of client data files security transactions, served as lead analyst and reviewer of asset level data attributes to client provided source documents.

Orange County, California Area

-Utilized proprietary software to perform cash flow modeling for the issuance of agency single family and multifamily mortgage-backed securities.-Worked with underwriters and issuers to troubleshoot and resolve structure differences to ultimately agree decrement tables, bond equivalent yields, weighted average lives, and other bond analytics contained within the offering document.-Collaborated with issuers, investment banks and attorneys to produce and verify the accuracy of modeling assumptions, priority of principal and interest distributions and bond analytics disclosure in the offering documents.-Performed procedures required by the Securities and Exchange Commission to test the accuracy of loan level and collateral reporting elements for securitization transactions. Analyze client provided data files and adjustment documentation to ensure deal assets (collateral cash flows) properly match liabilities (offered bonds and credit enhancements).-Utilized Excel, Bloomberg, Collateral Analysis Software (CAS), and other proprietary tools to assist in pricing securities & whole loan pools and to perform in-depth testing procedures. -Assisted with planning, executing, and leading walkthroughs across banking business processes-Collaborated with business process owners to document narratives, flowcharts, risk and control matrices, and audit program guides, responsibilities included: identifying key controls and potential gaps/process improvement opportunities

Irvine, Ca

-Built and maintained cash flow models for securitization deals in accordance with the governing documents. Interpret distribution payment rules and integrate key components of credit analysis and trigger events in the cash flow structure. Execution of a new deal involves interpreting the governing documents, building on a template in excel, setting up the deal in the database, and working with administrators and the issuer.-Outperformed peers by modeling more payment review tools that validate the accuracy of distribution payment models to eliminate payment errors.-Successfully led and completed multiple projects across the business line’s national offices. The big projects were lengthy, involving dozens of analysts and hundreds of deals, and culminated in a presentation to senior managers and associated analysts.-Strong relationship management was imperative for a quick turnaround between engaging with servicers to receive accurate data and processing the payments. Served as knowledgeable resource for investors by answering questions about unique payment scenarios. Collaborated with the issuer and account administrators to design the investor report for new business.-Acquired valuable analytical skills from building financial models, reconciling underlying loan data, and using various tools including Wall Street Analytics and Excel. Familiar with fundamentals of SQL and VBA.-Mitigated audit risk by meeting required bond payment deadlines, by minimizing internal restates, and by actively working with managers to resolve document interpretation issues.

Bachelor Of Science, Business Administration-Finance; Economics Minor

Activities and Societies: Phi Kappa Psi Treasurer & Founder, D1 Baseball Team Freshman year, Club Baseball Team Captain, Intramural Sports.

Education record

Activities and Societies: Student Government, Varsity Baseball Captain, 4 Year Varsity Baseball Letter, Varsity Football Captain.