Terrence Stevens Email & Phone Number

Responsible for creating, or evaluating and updating risk controls dealing with operational and compliance concerns for multiple lines of business. Trained new operational assessment testers. Compiled line of business risk profiles. Developed and tracked new key risk indicator metrics. Assisted control and risk owners with submitting test findings for executive and regulator review.

Beachwood, Ohio

Scrutinized MHA refinance loan applications for both the initial credit approval and final loan review to ensure compliance and sale-ability of the loan to investors.Collaborated across divisions with loan officers and servicing agents to obtain proper documentation for closing loans timely and correctly.Team ranked number one underwriting unit in the country every month since April 2013 when this began being tracked. Consistently ranked in the top 2 or 3 of underwriters on team each month.

Beachwood, Ohio

As part of 12-person testing team, aided in the development, functionality testing, defect logging and remediation of a new credit lending platform being developed for the bank, to be used across all lending lines of business. This was a $15 million project slated to run for approximately 3 years.Collaborated across interstate as well as international lines with developers and testing peers to coordinate group efforts.

Beachwood, Ohio

Evaluated credit applications for both new and existing credit customers, in both retail consumer- and small business- areas. This encompasses credit cards as well as unsecured lines of credit.Credit reviews entailed analyzing credit reports, financial statements and public recordsBuilt a personal lending portfolio of over $55 million in consumer loans between April 2005 and November 2009.In a risk-based capacity, also reviewed accounts for credit risk, adjusting lines as needed and working with clients on hardship program options.

Beachwood, Ohio

Reviewed new loan applications and existing loan account deposit advance requests for signs of fraud or money laundering.Led the department with over 1,500 fraud/attempted-fraud findings, avoiding $5.9MM in potential losses.Was the bank’s sole Senior Fraud Analyst from September 2004 – April 2005, leading junior analysts in daily functions.Assisted in training a new out-of-state fraud unit, and audited its daily work.Developed team and department contests to improve productivity and efficiency by 17%, and reduce costs.Associate member with the Association of Certified Fraud Examiners.

Beachwood, Ohio

In a customer service role, acted as front line customer contact for other bank areas.Served as a special service representative for hearing-impaired and on-line customer contacts.As a peer mentor, helped develop less tenured peers as well as conducted joint interviews for potential new hires.

Akron, Ohio

Designed effective collection strategies and repayment options to benefit the customer and company.Collected on accounts ranging from 5-day through 60-day delinquency levels.

Master Of Business Administration (Mba), Finance

B.S., Biological Anthropology

Activities and Societies: Sigma Nu Fraternity Green Dragon Kung Fu Club