Thomas Madison Email & Phone Number

United States, Us

Currently spearheading the organization's Enterprise Risk Management (ERM) program, ensuring strict adherence to protocols across all risk management facets from oversight to execution. Crafting and deploying comprehensive risk management strategies, conducting routine risk assessments, and utilizing cutting-edge analytics for credit risk evaluations and delinquency predictions. Delivering regular risk reports to the CEO and Board of Directors, highlighting emerging risks, portfolio performance, and credit risk strategies. Oversee departments such as fund management, insurance, and credit risk, ensuring alignment with the organization's overall risk management objectives.● Engineered and Executed Growth-Driving Credit Risk Strategies: Spearheaded the design and implementation of innovative credit risk strategies, exponentially increasing EV lease volume, balances, and revenue. Leveraged cutting-edge statistical models to predict credit risks and delinquency rates, consistently surpassing company targets.● Strengthened Enterprise Risk Management and Mitigation: Successfully directed and fortified the enterprise risk management program, ensuring comprehensive insurance coverage and robust risk mitigation across various departments. Pioneered advanced recovery strategies and post-origination auto lending functions to optimize performance and minimize risk exposure.● Optimized Investment and Portfolio Performance: Implemented data-driven investment strategies aligned with fund objectives and risk tolerance, leading to superior portfolio performance and ROI. Proactively adjusted investment strategies based on market trends, ensuring sustained portfolio growth and safeguarding against downturns.

San Francisco, Ca, Us

Revamped credit risk processes to enhance credit origination, significantly improving continuous credit activity surveillance and robust risk assessment for solar and equipment portfolios. Coordinated with the finance team to streamline policies and facilitate credit amendments while managing all facets of commercial credit risk, including vendor management. Developed and implemented innovative recovery strategies for commercial assets, recommending tailored loan alterations to ensure optimal risk ratings. Provided regular loan status updates to the CFO/Controller, drastically enhancing credit risk strategies and portfolio performance. Instituted advanced KPI tools and credit models to elevate strategic efficiency and decision-making.● Engineered Effective Recovery and Compliance Strategies: Led recovery initiatives that achieved exceptionally low delinquency rates of 2.5% and minimal annual write-offs of 0.03% of the outstanding AR balance. Enhanced compliance by rigorously overseeing annual reviews and loan covenant processes, facilitating effective loan workouts and client negotiations.● Optimized Portfolio and Risk Management: Managed credit origination, billing, and collection activities for portfolios generating over $500M annually. Minimized risks through strategic loan adjustments and accurate risk ratings, ensuring robust reserves for restructured loans.● Leveraged Advanced Analytics for Performance Improvement: Introduced automated dashboards to track pivotal KPIs, providing concise summaries to senior management and promoting informed decision-making. Significantly reduced loan delinquencies by delivering timely reports, aiding collections, and offering essential post-loan support.

Utrecht, Utrecht, Nl

Managed core functions across Loan and Deposit domains, including Fiserv item processing, RDI transactions, and Ebanking support. Led and inspired the Bank Operations team, promoting a conducive work culture. Strictly adhered to regulatory guidelines such as FHFA and Sarbanes-Oxley. Fostered partnerships with pivotal vendors like the Federal Reserve Bank and FIS.● Streamlined Operations and Reduced Risk: Centralized all operational functions previously dispersed across California, standardizing processes and introducing uniform operational standards, significantly mitigating operational risks through improved consistency and control.● Strategic Decision-Making and Risk Reduction: Played a key role in driving operational performance as a pivotal voting member on influential committees including the Product Steering Committee, Compliance Advisory Board, Change Control Committee, and Vendor Management, leading initiatives that directly contributed to reducing compliance and operational risks.● Operational Efficiency and Risk Mitigation: Dramatically reduced operational overheads by cutting down on systems and vendors within the Operations Department, achieving an impressive $1M savings in the first year and minimizing vendor-related risks through streamlined vendor management.

Utrecht, Utrecht, Nl

Directed Credit Risk and Special Assets for Small Business, Commercial, AG, Mortgage, Consumer, SBA, and USDA portfolios, overseeing asset quality and risk across these diverse areas. Developed and implemented recovery and liquidation strategies and represented the firm in dealings with OCC and CFPB for Retail lending and delinquency management. Led risk control efforts for comprehensive portfolios, guiding policy introductions for Special Assets and SBA loans, formulating ROI-enhancing strategies for the Retail Portfolio, and creating a coaching framework aligned with evolving credit risk models. Ensured effective risk management and operational efficiency across all managed portfolios.● Unified Diverse Delinquency Portfolios and Enhanced Regulatory Compliance: Championed the consolidation of Consumer, Mortgage, SBA, USDA, AG, Commercial, and Small Business delinquency portfolios from 5 FDIC-acquired banks, establishing a state-of-the-art Collections Department. Proactively addressed 29 OCC Matters Requiring Attention (MRAs), implementing pioneering risk mitigation processes and protocols, and significantly reducing regulatory risks.● Improved Delinquency Management and Recovery Rates: Strategically reduced delinquency rates by 20% and boosted recovery revenues by 85% through effective liquidation and recovery strategies, minimizing financial risk. Refined and synchronized SBA origination and servicing workflows with the SBA's SOP, supporting unit growth with scalable processes, and mitigating operational risks.● Executed Cost-Reduction and Operational Efficiency Projects: Successfully rolled out 50 projects, achieving a 25% reduction in costs and significantly enhancing profitability across various business verticals. Innovated new coaching methodologies and launched continuous training initiatives, significantly boosting competencies and productivity, thereby reducing operational and human error risks.

Vice President of True Vine Missionary, a non-profit organization dedicated to enhancing the lives of underserved communities in Chicago. Spearheaded initiatives to provide essential resources, educational programs, and community support, fostering significant improvements in quality of life. Successfully collaborated with local leaders, businesses, and volunteers to drive impactful change and promote social equity.

London, Gb

Led a dynamic credit risk team, expertly managing a $2.7 billion real estate portfolio while maintaining high service quality and client satisfaction through a robust telephony framework. Successfully navigated the credit risk department through strategic planning, rewards programs, and issue resolution. Oversaw Six Sigma call center projects, working closely with the Six Sigma Project Supervisor. Collaborated extensively with senior executives on 18-month system innovation initiatives.● Boosted Portfolio Health and Reduced Risk: Consistently slashed delinquency rates by 15% annually, driving an exceptional ROI exceeding 20% and significantly reducing financial risk.● Established a Dedicated Call Center to Enhance Risk Management: Pioneered the creation of a Call Center focused on delinquency and risk, transitioning 1200 Customer Service Representatives to specialized risk management roles, significantly enhancing business resource efficiency and mitigating operational risks.● Enhanced Operational Precision and Risk Control: Partnered in Six Sigma initiatives, amplifying operational precision and spearheading process improvements within the call center environment, thereby reducing operational and process-related risks.