Stephen Dunphy Email & Phone Number

County Dublin, Ireland

Blackrock, Co Dublin, Ireland

The CIT Vendor Finance (UK) business was acquired by PEAC Finance in Jan 16 - core responsibilities continued as described below with CIT GroupKey achievements  Responsible for the Core BI reporting team, managing £300 million of assets and 2 staff Interim Client on-boarding manager, maternity cover for 12months, including the re-platforming to Lexis Nexis (2 internal staff and managed the performance of external agents) Led the Credit Risk reporting work stream in re-platforming of desktop application and databases from Jan-16 to April-17 Completed the Data Validation project with IT ensuring Database tables worked  Re-built, re-designed full suite of reports from Hyperion and MS PowerPoint to SAS Enterprise Guide/SQL Server Reporting Services (SSRS) and Power BI Ensured seamless transition of management KPI’s after the change over Successfully transitioned to SAS for reporting

Blackrock, Co Dublin, Ireland

Managed all operations within the credit reporting department including risk management, reporting, forecasting (Arrears and Losses), fraud investigation, client on-boarding (AML, KYC and Sanction screening). CIT’s European division included over 14 countries and $4 billion in finance and leasing assetsResponsibilities  Led Credit Risk Management team, reporting to the Chief Risk Officer, responsible for Delinquency & Loss Reporting, Forecasting & Planning, Monitored Problem Loan, Debt Restructured and Early Warning accounts, reporting to Senior Management within Europe and Corporate Head Office (US) Directed staff in the reporting and monitoring of credit and operations key performance indicators for the European lease portfolio Managed the monthly charge-off/provision and provision process, including FAS5, FAS114 Mitigated losses across several products which led to loss rates under 2%, positively impacting P&L Identified and managed key risks through reviewing performance metrics and monthly reviews with Credit, Operations (Collections) and senior management. Advised the European Credit Management Team and European Operations Management Team of emerging trends and contributed to decision processes Led the Credit Risk team for all Internal and External Audit Reviews Managed the Credit Risk projects for all portfolio acquisitions and sales, responsible for arrears and loss performances Lead contact for all Regulatory reporting, including BAFIN, Banque de France and assisting US Corporate Credit Risk team on reports to the Federal Reserve Bank Implementation of automated/canned report for Operation and Collection departments Established and developed critical internal and external relationships

Blackrock, Co Dublin, Ireland

 Senior Credit Risk Analyst overseeing Delinquency, Non Performance and Loss metrics for Senior Management within Europe and Corporate Head Office Preparation of Dashboard metrics and Presentation Deck to enable Senior Management review the European Portfolio for emerging trends Ensure defaulted accounts are charged off/provisioned in line with Corporate Policy and appropriate action is taken within the leasing system Work with Operations to ensure accounts are terminated within Policy and appropriate action is taken within the leasing system Ensure Collections team, have access to up-to-date reports to enable Collections to be as effective as possible in pursuing delinquent accounts Monthly monitoring of delinquency Roll Rates

Blackrock, Co Dublin, Ireland

2004-2005Promoted to a new position created (Team Coordinator/Ops Risk Analyst) in 2004 as CIT prepared to acquire new businesses, responsible for providing metrics to the Chief Operations Officer, Metrics included Call stats  Delinquency rates  Customer complaints SLA New business volumes End of Lease metrics, gain or loss Funding turnaround times Credit Approval rates Due diligence on companies being acquired, comparing performance metrics to that of CIT. This work included working closely with the Credit Risk Management team Sept 2002-2004Managed a portfolio of delinquent customers with the goal of reducing the outstanding accounts receivables. This included  responding to customer inquiries  buyout and termination requests  resolving business and collections problems in a timely and accurate fashion

Dubin, Ireland

New Products Coordinator – UK / France Portfolio Jan 2000 – Aug 2002Accounts Receivable Administrator – UK Portfolio 1998-Dec 1999Accounts Payable Administrator – UK Portfolio April 1996-1998

Iati - Account Technician

Leaving Certificate