Stephen T. Email & Phone Number

New York, Ny

New York, Ny

New York, Ny

New York, Ny

• Responsible for the governance and reporting of the bank’s Portfolio Underwriting Variance (PUV) and Portfolio Analytics (PA) framework• Monitor and report enterprise-wide underwriting variance limits, escalating trigger excesses and limit breaches to senior management and other key stakeholders• Prepare, analyze, and distribute monthly underwriting variance reports• Develop ad-hoc queries and reports for various stakeholders including Wholesale Credit, Risk, Audit, and Credit Review• Perform user acceptance testing of report and database system modifications• Compare information from the underwriting systems against the Everest reporting system for data accuracy • Assist in the validation and reporting of asset quality risk appetite metrics and limits• Prepare and manage the quarterly executive summary dashboard for the bank’s asset-based lending business unit (Bank of America Business Capital)• Participate in senior management meetings involving efforts to simplify and improve the policy exception monitoring and reporting process• Member of the bank’s Portfolio Underwriting Variance and Portfolio Analytics Council

Wayne, Nj

• Produced and maintained monthly and quarterly credit risk metrics reports• Supported the Deputy Chief Credit Officer in the preparation, coordination, and execution of the quarterly Allowance for Loan and Lease Losses (ALLL) process to ensure accurate and timely release of the bank’s earnings• Served as the primary liaison between Credit Risk Management and front line units for the preparation of the monthly impairment analysis• Assisted over one hundred loan officers and credit underwriters on a daily basis for the accurate completion of various credit policy forms• Developed a reporting tool for Credit Risk and Lending departments to monitor and report highly leveraged transactions• Maintained credit policy and underwriting forms as needed using advanced Excel and VBA• Updated various department report documents including the impairment analysis, ALLL, and credit policy exception reporting • Obtained loss and recovery data from Accounting to calculate net charge-offs• Interacted with all levels of senior management, external and internal auditors, and bank regulators

Elizabeth, Nj

• Performed quarterly analysis on commercial impaired assets in accordance with accounting guidelines• Prepared various monthly and quarterly credit risk reports for senior management and the bank’s Board of Directors• Assisted senior management in the preparation of the Allowance for Loan and Lease Losses (ALLL) to ensure appropriate reserve levels were met in accordance with accounting rules• Supported the Chairman Executive Officer and Chief Credit Officer on various projects as warranted• Developed ad-hoc reports for Credit Risk Management and other departments within the bank

Master Of Business Administration - Mba Candidate, Specialization In Finance And Analytics

Credit Analyst Certificate

Bachelor'S Degree, Finance, General