Scott Shields Email and Phone Number

Manage underwriting activities for direct, revolving,overdraft and business cards. Monitor compliance with internal guidelines and external regulations. Review processes for effectiveness and maintenance of quality service. Recommend and manage implementation of efficiency and productivity improvements. Assist in global migration of processes.

Manage daily Home Retention activities (approve/decline loan modifications for borrowers in default/facing imminent default) for assigned unit while ensuring compliance with corporate policy and state and federal regulations. Examine workload volumes and prioritize work efforts. Perform daily approvals on decisions made by specialists and ensure detailed documentation on each account.

Management of daily operational activities for consumer relations group. Management of daily operational activities for home equity, retail first mortgage and timeshare.Monitor compliance with internal guidelines and external regulations. Review processes for effectiveness and maintenance of quality service and improved customer satisfaction. Recommend and manage implementation of efficiency and productivity improvements.Assist in global migration of processes to India team. Participated as the operations team lead in the successful development and/or implementation of the following projects and initiatives:OneHSBC – Migration to a global loan origination system. FACTA (Red Flags) – Fraud prevention regulatory mandate. CoreLogic – Fraud prevention tool. Scott W. Shields Page 2Smg3 – Auto-decisioning software for home equity products (StrategyWare upgrade). Transition from Timberlink to Secured Lending Services – Vendor conversion. IAW – Documentation storage system that allows for paperless environment.

Managed operational activities for indirect, direct, revolving and business cards, as well as timeshare. Monitored compliance with internal guidelines and external regulations. Reviewed processes for effectiveness and maintenance of quality service. Recommended and managed implementation of efficiency and productivity improvements. Assisted in global migration of processes to India. Participated in StrategyWare project and IAW initiative.

Managed a team of underwriters for indirect and timeshare loans. Ensured activities complied with established bank policies and external regulations. Lead person for consumer credit NYS and Federal examinations for 4 years. Responsible for implementing changes in policies and procedures to improve consistency, turnaround time and productivity. Monitored resources to ensure productivity, quality and expense goals were met. Fostered effective selection, development and reward of subordinates. Maintained strong communication links with other business units related to underwriting.

Provided service to auto dealers in approval or rejection of prospective lease applicants within limits of lending authority, maintaining quality credit buying practices to minimize exposure for losses.

Handled the Bank’s first automotive leasing program. Approved/declined credit applications, reviewed contracts and supporting documents.

Utilized floor plans to conduct internal audits at auto dealerships. Verified payments were being made to the Bank.