Senior level credit risk leader with experience in all aspects of financial lending, risk management, policy development and regulatory compliance. LEADERSHIP* Effective lead multiple teams of portfolio managers, CRE appraisers and environmental risk officers, * Effective development of staff and succession plans.* Effective communication with senior management, business line leaders and regulators.* Demonstrated experience developing and executing credit and risk oversight strategies using strategic analysis and collaborative problem solving. Depth of experience includes: * Credit analysis and underwriting, * Adjudicate credit requests,* Assess risk rating accuracy, timeliness, and transparency,* Negotiate appropriate credit quality ratings,* Manage risk rating projections and problem loan status,* Establish, analyze and monitor risk limits,* Develop and manage loan policy and procedure, * Analyze and report policy exceptions,* Credit Review/Examination and Audits.* Develop corrective action plans for regulatory remediation.BUSINESS PERFORMANCE* Executed development of a risk rating template utilizing a loan constant to accurately assign the probability of default risk rating for CRE project loans.The completion of this new risk rating template created more precise risk ratings and less potential for risk rating changes. * Executed development of a scenario analysis for the CRE loan portfolio. Captured NOI, capitalization rate and LTV data points to identify credits with heightened risk potential.This project improved compliance with OCC Heightened Standards including early detection of potential problem credits and accuracy of probability of default risk ratings. * Created a new team of 5 individuals to specialize in CRE evaluation reviews for lower risk CRE secured loans and CRE loan subsequent transactions.These evaluation reviews resulted in more precise alignment with the 2010 Interagency Appraisal and Evaluation Guidelines.