Wayne Blake Email & Phone Number

Le Roy, Ny, Us

Rochester, New York Metropolitan Area

Oversee and assist with analyses to quantify expected losses of consumer loan products at origination for purposes of modifying underwriting guidelines and/or adjusting pricing.Manage production of monthly, quarterly, and annual reports that address institution’s credit performance for Board of Directors, management, regulators, and individual departments.Oversee maintenance of commercial credit risk assessment tools for Business Banking department.Oversee production of weekly analyses of delinquent loan portfolios to produce call lists for collections department.Make recommendations related to loan loss allowance / provisioning amounts for both consumer and commercial portfolios, including suggestions related to CECL.Oversee and assist with one-off projects, as needed. Some of these projects have involved: - Managing implementation of changes in response to 2020 Coronavirus Pandemic, - Advising team on credit matters during new loan origination system implementation, - Assisting with design efforts related to implementation of new data warehouse. Manage other recurring department responsibilities, including FICO model transitions, portfolio credit re-scores, model validations, interactions with regulators, and regular data warehouse / operating system data reconciliations.Perform general manager tasks that include planning analyses, completing performance plans / assessments, approving timesheets, mentoring employees, and interacting with senior management.

Rochester, New York Area

Designed and completed various analyses that quantified expected losses of consumer loan products at origination and after. Analyzed products included Indirect/Direct Auto Loans, Home Equity Loans and Lines of Credit, Credit Card, Personal Loans, and other Secured/Unsecured products.Produced monthly, quarterly, and annual reports that addressed institution’s credit performance.Developed commercial credit risk assessment tools, including credit capital component of ROE Model and risk rating template for C&I and Investment CRE portfolios.Calculated loan loss allowance / provisioning amounts for both consumer and commercial portfolios.Completed various one-off projects, as needed. Some of these projects involved: - Developing modified Credit Limit policy for Credit Card and Cash Reserve products, - Estimating likely impact of changes in LTV requirements on Home Equity portfolio, - Developing methodology to prioritize call list activities for collections department, - Assisting with project focused on calculating capital reserves.

Buffalo/Niagara, New York Area

Developed Credit risk assessment tools used to quantify Expected Loss of prospective and existing Commercial relationships through use of Two-Tier risk rating system. Work included: - Building Probability of Default (PD) Scorecards; - Building Loss Given Default (LGD) Scorecards; - Communicating methodology changes to management. Performed commercial portfolio stress testing for CapPR (CCAR legislation) submissions.Assisted with due diligence efforts for bank acquisitions.Maintained Credit Risk Assessment Tools.Assisted with portfolio performance / process monitoring.

Mba

Master Of Science (M.S.), Civil (Geotechnical) Engineering

Bachelor Of Arts (B.A.), Geology