Results-driven Credit Risk Executive with over 25 years of proven leadership in optimizing lending portfolios and strategically managing credit risk across diverse bank asset classes. Recognized for cultivating high-performance teams and driving initiatives that achieve organizational excellence.Current Management Responsibilities: Allowance for credit losses (ACL/CECL), Dual Risk Ratings, Credit Policy, Stress Testing, Credit Management committees, Risk appetite, Concentration limit management, internal/external credit based reporting/analytics and credit due diligence lead on acquisitions.Product lines covered: Commercial, Commercial Real Estate, Small Business, Branch & Indirect Mortgage, Branch Home Equity, indirect auto and Credit Cards.Specialties: credit risk management, model building, experience managing complex project, strategic thinking, problem identification and solvingCredit Leadership: Adept at balancing growth with credit quality, ensuring regulatory compliance, and fostering a robust credit culture. Currently overseeing corporate-wide credit risk for a $40 billion bank.Team Leadership: Successfully led the creation of the Credit Risk Management group, developing vision, goals, and structure, and building a high-performing team. Experience in attracting, developing, and retaining top talent.Portfolio Management: Demonstrated expertise in advancing portfolio management capabilities, ensuring favorable asset quality ratios, and strategically shaping lending policies.Committee Leadership: Proven track record of chairing/member of Credit Executive, Stress testing, Allowance for credit Losses, Risk Rating, Operational Risk and Credit Policy Committees, contributing to progressive lending policies and procedures.Regulatory Compliance: Maintained strong regulatory relationships, ensuring favorable examinations and compliance with federal and state regulations. Receiving no credit based MRA’s over the last 5 years and even receiving a strong rating on MIS.Strategic Planning and Execution: Managed division budgets and executed strategic plans, achieving goals within target and budget constraints.