Suzanne Storm Email & Phone Number

Charlotte Metro

• Senior Vice President for Credit Policy and Risk Management.
• Consult on all areas of credit risk management, with a focus on regulatory requirements and industry best practices
• Write or edit customized bank credit policy, including for savings banks with new or growing commercial lending
• Perform due diligence for bank M&A, portfolio and loan purchases
• Provide independent appraisal review, assuring compliance with regulatory and USPAP requirements as well as a senior lender’s perspective on the assumptions and analysis used

Charlotte, North Carolina

• Managed Company Credit Policy, the framework for all credit risk taking throughout the company
• Successfully led the transition from Wachovia risk policy to Wells Fargo’s more distributed policy structure, ensuring that no risk areas were left unaddressed during the extended merger.
• Strengthened governance of credit authority delegation and built the processes and systems to support it, providing the Chief Risk Officer with more complete and timely information on credit authority levels.
• Designed, developed and implemented a new system to facilitate alignment of all line of business credit policies with corporate policy, providing the infrastructure to comply with policy requirements.

Charlotte, North Carolina

• Managed a team of 20 who created and maintained policies governing credit, market and operational risk-taking activities; oversaw the corporate risk governance framework; and managed environmental risk within the loan.
• Created and implemented a policy process for operational risk
• Designed, developed and implemented a new database for risk policies which simplified publication sufficiently to eliminate two positions while improving end user experience
• Trained newly merged and newly hired employees on credit culture and core commercial credit policies
• Provided subject matter expertise to the commercial credit and governance work streams of the corporate Basel II initiative; designed and implemented the corporate governance portion of Sarbanes-Oxley testing and.
• Regularly consulted with members of senior management on questions of governance, providing a consistent structure and framework across the risk functions.

Greater Philadelphia Area

• Increasing responsibilities in approving corporate, middle market, and private banking credit transactions and managing teams of underwriters and portfolio managers, culminating with leading a team of 30 in.
• Developed and led a variety of training courses, including credit underwriting, credit grading, servicing, increased risk indicators, appropriate loan structures, credit documentation, and coaching.
• Developed a watch list process and strengthened existing asset quality and loss projection accuracy to reduce negative surprises in the credit portfolio.
• Led a company-wide team in developing a performance report structure, identifying diagnostic indicators, and developing a best practices database to enable all credit locations to improve performance.

Greater Philadelphia Area

Middle market lender

Greater Philadelphia Area

• Negotiated the partner recourse settlement for a large accounting firm.
• Represented participant banks on the steering committee of an internationally syndicated airline transaction.
• Negotiated with the OCC the bank’s first return to accrual of a Troubled Debt Restructure.

Greater Philadelphia Area

Supported the Vice Chairman in managing the varied non-retail divisions of the bank which reported to him. Implemented consistent reporting among the divisions; oversaw human resources and budgeting processes to ensure consistency. Following the First Fidelity merger, segued to similar support for the head of commercial lending functions.

Greater Philadelphia Area

Managed a group of 20 credit analysts as part of their extended commercial credit training. Provided credit underwriting to lenders in Real Estate, Corporate, Middle Market, Specialized Industries (healthcare, higher education, leasing companies), Asset Based Lending, and Mezzanine Finance. Developed a process flow which greatly improved turnaround time.

Greater Philadelphia Area

Provided loan, cash management and other products to large corporations in the Philadelphia area.

Greater Pittsburgh Area

National Division -- completed commercial credit training; credit analyst; lender in Exploration & Production in the Energy Group, located in Pittsburgh

Mba (With Distinction), Finance

Ba, French Language And Linguistics