Walter Shields Email & Phone Number

Charlotte, North Carolina Area

Enterprise and Credit Risk Management Bank Consulting. Specialization in improving Credit Review and Loan Review structure, standing, strategy, operations, reporting and transactional review effectiveness and efficiency. Broad background in banking institutions of differing sizes, types, conditions and complexities. Senior bank leader and commissioned OCC National Bank Examiner adept at managing complex projects, large teams and disparate and diverse departments. Expert in quickly transforming Credit Review functions from weak and ineffective to strong and best practice leaders using methodologies, tools and techniques custom tailored to a bank’s needs and regulatory expectations. Subject matter expert in commercial and retail credit risk assessment and credit risk management. Led the development and installation of Basel compliant two-dimensional risk ra- ting scorecards at a multi-national bank. Well-developed understanding of regulatory requirements and preferences with proven ability to very effectively communicate with and influence regulatory authorities. Focus on: root cause analysis, processes, data, fact-based decisioning, portfolio assessments as well as transactional reviews, change management and conflict resolution. Develop and manage strong and well-respected teams. Consistently operate within budget and meet, or beat deadlines or requirements. Exceptional analytic and communication skills. Pragmatic, innovative, efficient and effective.

Senior leader responsible for all aspects of, and managing, Credit Review.

Charlotte, North Carolina

Responsible for transforming the loan review business model from a weak and ineffective internal audit based methodology to a strong rated credit risk review business model operating as a best in class function consistent with bank needs and regulatory expectations, within 18 months. Developed comprehensive gap analysis, transformation team and change program. Revised examination methodologies and tools. Established portfolio and line of business monitoring and communication programs. Built easily understood objective and transparent scoring models to assess portfolio quality and credit administration. Assessed team skills and competencies, changed composition and developed training programs. Revised organizational structure. Significantly improved productivity and product quality. Primary point of contact with bank regulators

Responsible for upgrading loan review from weak and ineffective to satisfactory within nine months. Revised business model to focus on ongoing monitoring as well as examination activities on an enterprise basis. Developed new tools and credit review techniques more consistent with bank scope and size focused on point in time assessment as well as direction of risk. Reorganized, top graded and recruited new talent. Developed new examination and monitoring reports as well as reporting routines. Improved the level of communication on a bank wide basis within the group, with senior bank leaders and with the Board. Participated as member of the Credit Risk Committee, Risk Rating Steering Committee, ALLL Evaluation committee and other ad-hoc senior leader forums. Consult with president and CEO as well as other senior leaders on strategy and a wide range of process improvement and remedial activities. Primary point of contact with bank regulators.

Senior manager responsible for commercial and corporate credit review. Developed risk based portfolio and credit risk management oversight and reporting protocols. Created risk based schedule of activities focused on risk recognition, risk rating assignment, credit administration and portfolio quality. Developed data driven tools to more objectively evaluate risk, develop findings and conclusions, assign credit risk management grades and prospective views, and rate levels and direction of portfolio risk. Issue reports and consult with senior bank management on an ongoing basis. Provided input and direction on a bank-wide basis on credit management activities including risk rating scorecards, credit policy, and credit process design. Identified best practices and fostered improvement. Revised processes and policy. Improved management reporting and communication tools. Developed a credit review team more consistent with bank size, risks, structure and resources

Senior enterprise manager for the design, development and implementation of web-based Risk Rating Scorecards for the Corporate and Commercial banking segments supporting a new methodology and compliance with Basel II. Scorecard metrics assign internal credit risk ratings based on assessments of quantitative and qualitative factors, collateral or third party support, and resulting default probability and expected loss. Broad and deep background as Scorecards developed to date cover virtually every portfolio and geographic region, including financial institutions, Europe, Asia and Latin America. Summary issues addressed to date include portfolio segmentation, data availability, gap analysis, financial transparency, implicit support, and country risk, as well as overall skepticism and resistance to change. Oversee thirty professionals, including modelers, business sponsors, and analysts generally at the SVP and VP level. Coordinate with numerous other risk disciplines, service providers and lines of business, consultants and bank regulators. Update, educate and convince senior management as well as many other bank constituencies not previously exposed to Scorecards or current methodology. Provide communication and training to broad spectrums of the bank. Manage budget and related resources including technology support

Assessed the effectiveness of business strategies, internal controls, risk management and management information systems. Reviewed the level and direction of key risks, including strategic, operational, and compliance risk. Evaluated asset quality, including loan and investment portfolios, reserves, and the initial and ongoing strategy/criteria for credit products. Reviewed off balance sheet and derivative exposures, and the adequacy of capital earnings and liquidity. Tested adherence to laws and regulations. Managed examinations of banks and foreign bank branches. Made recommendations to senior management and boards of directors. Wrote reports of examination. Managed teams of examiners.

Identified, researched, analyzed, recommended and implemented strategies for a super-regional bank holding company and its subsidiaries. Prepared economic, market, financial and operational analyses to support corporate and line of business expansion/objectives. Created a planning process. Wrote the company’s first strategic plan. Developed, recommended and established new products. Prepare acquisition, joint venture, investment, and market extension analysis and made follow-up recommendations. Made presentations to senior management and the Board.

Master Of Business Administration (Mba), Business Administration And Management, General

Ba, Liberal Arts