Tj Walth Email & Phone Number

United States

In my role as a Risk Analyst, I play an active part in identifying, analyzing, and monitoring both existing and emerging risks. I contribute to testing the effectiveness of controls, enhancing reporting and monitoring procedures, and organizing collaboration sessions with key stakeholders across first, second and third lines of defense to ensure alignment with enterprise policies and strategic objectives. Additionally, I conduct thorough reviews of front-line operations' policies and… Show more In my role as a Risk Analyst, I play an active part in identifying, analyzing, and monitoring both existing and emerging risks. I contribute to testing the effectiveness of controls, enhancing reporting and monitoring procedures, and organizing collaboration sessions with key stakeholders across first, second and third lines of defense to ensure alignment with enterprise policies and strategic objectives. Additionally, I conduct thorough reviews of front-line operations' policies and procedures, pinpointing internal control gaps and offering guidance on control development and enhancement. Show less

As a Risk Analyst, I assessed the quality of judgmental and strategy-driven credit decisions among unsecured consumer lending offerings, including Credit Cards, Personal Loans, Student Loans, and Cobrand products. This involved evaluating customers' creditworthiness and their capacity to fulfill repayment obligations while ensuring strict compliance with credit protocols and regulatory standards. Additionally, I identified emerging high-risk trends within the sector and orchestrated targeted… Show more As a Risk Analyst, I assessed the quality of judgmental and strategy-driven credit decisions among unsecured consumer lending offerings, including Credit Cards, Personal Loans, Student Loans, and Cobrand products. This involved evaluating customers' creditworthiness and their capacity to fulfill repayment obligations while ensuring strict compliance with credit protocols and regulatory standards. Additionally, I identified emerging high-risk trends within the sector and orchestrated targeted assessments based on specific risk criteria to gauge the quality of these credit decisions. Subsequently, I communicated the findings and insights derived from these evaluations to senior credit risk managers, compliance officers, operational risk officers, and other relevant stakeholders in the business. Show less

In my role as a Lending Manager, I excelled in training, motivating, and guiding a highly skilled team of underwriters responsible for evaluating student loan applications of varying complexities. Collaborating closely with credit risk strategy teams and cross-functional partners, I ensured that our underwriting procedures remained in line with enterprise policies and risk tolerances. Furthermore, I evaluated complex and high-dollar student loan applications through thorough assessment of… Show more In my role as a Lending Manager, I excelled in training, motivating, and guiding a highly skilled team of underwriters responsible for evaluating student loan applications of varying complexities. Collaborating closely with credit risk strategy teams and cross-functional partners, I ensured that our underwriting procedures remained in line with enterprise policies and risk tolerances. Furthermore, I evaluated complex and high-dollar student loan applications through thorough assessment of customers' creditworthiness and ability to repay. Show less

United States

As a Call Center Manager, I exhibited strong leadership qualities by motivating, coaching, and guiding a team of 10-15 specialists to consistently surpass performance expectations. I played a crucial role in enhancing departmental operations by introducing a new staffing plan, account management system, and training materials. Furthermore, I developed and implemented procedures for collections, sales, fulfillment, and underwriting. Notably, I served as a subject matter expert in Manila… Show more As a Call Center Manager, I exhibited strong leadership qualities by motivating, coaching, and guiding a team of 10-15 specialists to consistently surpass performance expectations. I played a crucial role in enhancing departmental operations by introducing a new staffing plan, account management system, and training materials. Furthermore, I developed and implemented procedures for collections, sales, fulfillment, and underwriting. Notably, I served as a subject matter expert in Manila, Philippines, contributing to the successful launch of an offshore call center. My responsibilities included on-site work and utilizing my expertise to ensure operational success in the new location. Show less

Bachelor Of Business Administration (B.B.A.), Fiance

Master Of Business Administration (M.B.A.), Mba