Conduct specialized reviews and examinations of credit unions of varying asset size that are difficult, complex sensitive or of systemic risk and provide authoritative advice, interpretation, training, and guidance on member business lending, real estate lending, indirect lending, agriculture lending and/or other complex lending programs; determine areas of most risk and lending violations; and develops and recommends course of action for resolving areas of concern.Knowledge of the… Show more Conduct specialized reviews and examinations of credit unions of varying asset size that are difficult, complex sensitive or of systemic risk and provide authoritative advice, interpretation, training, and guidance on member business lending, real estate lending, indirect lending, agriculture lending and/or other complex lending programs; determine areas of most risk and lending violations; and develops and recommends course of action for resolving areas of concern.Knowledge of the theory, concepts and practices of accounting and auditing sufficient to analyze financial institution's financial statements and to apply GAAP.Knowledge of examination, supervision and operation of large, complex financial institutions with particular emphasis on agriculture, member business, commercial and/or real estate lending practices, loan practices and consideration and operating cash flow analysis.Knowledge of risk assessment in a financial institution environment, including liquidity, credit, interest rate, compliance, reputation and strategic issues.Knowledge of current data management techniques and systems to use for enhanced credit analytics and risk management within complex lending portfolios.Ability to promptly and accurately analyze financial data and recommend effective corrective procedures.Ability to work independently and exercise resourcefulness, initiative, and seasoned judgment in dealing with complex and controversial issues.Key Assignments:Navy Federal Credit Union - MBL Review - 54.4 Billion Total AssetsBoeing Credit Union - Credit Risk Review - 11.5 Billion Total AssetsState Department Federal Credit Union - MBL Review - 1.4 Billion Total AssetsSan Diego County Credit Union - MBL Review - 6.2 Billion Total Assets Show less

Post Closing Asset Manager Responsible for managing contractors and former bank employees in the liquidation of failed banks assets in a manner that maximizes the recovery to the insurance fund. A summary of the duties and responsibilities are described below:Develop, evaluate, implement policies and procedures;Prepare, evaluate and present management reports. Coordinate the development of processing systems, reporting mechanisms, databases and other information sources… Show more Post Closing Asset Manager Responsible for managing contractors and former bank employees in the liquidation of failed banks assets in a manner that maximizes the recovery to the insurance fund. A summary of the duties and responsibilities are described below:Develop, evaluate, implement policies and procedures;Prepare, evaluate and present management reports. Coordinate the development of processing systems, reporting mechanisms, databases and other information sources required for monitoring and evaluating various program areas. Perform management in reporting the performance of personnel. Perform quality control reviews and assess complex monthly reports prepared by senior contractor staff of the Receivership. Coordinate work of senior contractor staff to accomplish Failed Bank performance goals.Gather, compile, research and manipulate complex financial data to prepare a variety of financial documents, management reports, and presentations. Maximize recoveries to the Failed Bank by analyzing complex financial statements, operating and project reports, cost data, pricing, managerial practices, capital and reserves, credit condition, loan file documentation, cash flows and other elements to determine the soundness of the assets held by an insured Bank, determine the risks and value of assets and liabilities. Evaluate and report on failed or acquiring Bank transactions, recommend action based on procedural directives, current policy and special circumstances of the institution with the goal of achieving the least cost resolutions.Meet and negotiate with FDIC officials, attorneys, accountants, contractors, representatives of Banks management, and/or other federal and state regulatory agency officials. Develop recommendations to senior management regarding appropriate actions and potential results. Key Assignments:Silverton Bank, Atlanta, GA February 2011 – March 2011AmTrust Savings Bank, Cleveland, OH March 2010 – November 2010 Show less

Examine banks by determining the financial condition of the bank, evaluate management, and determine compliance with applicable laws and regulations. Supervised or assisted with examinations of insured Banks. Which required a review and classification of assets; a analysis of liabilities; accurate determination and analysis of capital; a review of dividend and charge-off policies, earnings trends; a review of trust department operations and policies; and, full determination of all other factors… Show more Examine banks by determining the financial condition of the bank, evaluate management, and determine compliance with applicable laws and regulations. Supervised or assisted with examinations of insured Banks. Which required a review and classification of assets; a analysis of liabilities; accurate determination and analysis of capital; a review of dividend and charge-off policies, earnings trends; a review of trust department operations and policies; and, full determination of all other factors and causes, unsafe and unsound practices, and violations of laws and regulations which may affect the condition and soundness of the Bank.Determined whether there are inappropriate insider/affiliate dealings; and, whether bank practices and behaviors corresponded with board-approved policies.Assessed management's ability and willingness to correct issues identified in formal or informal enforcement actions. Evaluated Banks underwriting and credit administration practices (i.e., terms and structure of loans, including length, interest rate, conveyances and pay terms) on loans. Assigned risk weightings to the bank’s classified loans and completed loan line sheets based on loan analysis. Met with management to discuss concerns regarding specific loans and file documentation and determined whether the bank had an adequate allowance for loan and lease losses. Assessed the level and appropriateness of hedging activity and determined whether capital levels were commensurate with the risk taken by the bank.Meetings held with Bank Management, the Board of Directors, attorneys, external auditors and others to make recommendations regarding; the assigned CAMELS component ratings; corrective action for regulatory deficiencies; to inform bank management of potential enforcement actions, to answer questions, and to persuade bank management to take the corrective action recommended in the Report of Examination Show less

Provided financial and project planning services for contractors resulting in increased profits through reducing inventory days on market. This included:• Evaluating the level of building permits approved and comparing the permits to sales absorption rates in the approved projects proposed in the economic area. • Performed feasibility studies on real estate development projects and structured $150,000 to $1.5 million pro-forma and work breakdown structures to achieve those… Show more Provided financial and project planning services for contractors resulting in increased profits through reducing inventory days on market. This included:• Evaluating the level of building permits approved and comparing the permits to sales absorption rates in the approved projects proposed in the economic area. • Performed feasibility studies on real estate development projects and structured $150,000 to $1.5 million pro-forma and work breakdown structures to achieve those goals.• Assembled supporting financial data and market trends into a comprehensive development plan enabling developers to secure financing for proposed projects. • Reduced overall project costs by approximately 20% through creative use of project management techniques • Reviewed and evaluated real estate appraisals and determined appropriate actions, including liability issues, environmental hazards, etc. Monitored payment of renters and recommended appropriate collection actions in order to minimize delinquencies; assured that insurance was sufficient and that taxes were up to date.• Designed and developed $150,000 to $200,000 pre-sold custom homes. Show less

Managed multi million dollar software applications and manufacturing projects for General Motors Corporation.Major phases of the projects included determination of the projects feasibility, definition, project planning, implementation, evaluation and support/maintenance.Developed project plans similar to DRR Strategic Resolution Plans (SRP), which included:• Defining and confirming the project goals and objectives,• Identifying tasks and how goals will be… Show more Managed multi million dollar software applications and manufacturing projects for General Motors Corporation.Major phases of the projects included determination of the projects feasibility, definition, project planning, implementation, evaluation and support/maintenance.Developed project plans similar to DRR Strategic Resolution Plans (SRP), which included:• Defining and confirming the project goals and objectives,• Identifying tasks and how goals will be achieved,• Quantifying the staffing and technical resources needed, and• Determining budgets and timelines for completion. Overseeing the implementation of the project plan, along with operating regular controls to ensure that there is accurate and objective information on performance relative to the plan, and monitoring the mechanisms such as work breakdown structures to execute actions and the allocation of tasks where necessary to complete the project on time. Proposed and implemented new model year features updates to the vehicle order maintenance computing system for General Motors. Reduced the need for change requests by creating weekly focus group meetings with key stakeholders to analyze the customer’s needs and to proactively establish procedures to fit those needs, thereby reducing costs and allowing for timely completion of projects. Researched and proposed the outsourcing of off-shift limited production runs for Recreational Vehicles and Bus Manufacturers at the General Motors Powertrain manufacturing facility in Pontiac, Michigan. At the time the plant was only operating one shift. The limited production run proposal would turn costly downtime into substantial profits. Estimated divisional revenues were projected to increase by over 30%. Show less

Performed loan underwriting by assessing the repayment capacity of the cash-flow generated by commercial real estate, the borrower and guarantors. Evaluated the appropriateness of the appraisal and ongoing value of the collateral and performed a micro-economic analysis of the income producing properties market area. Established the borrower’s risk factor which was used to create a loan term proposal and managed additional loan activity to closure.Presented risk analysis and… Show more Performed loan underwriting by assessing the repayment capacity of the cash-flow generated by commercial real estate, the borrower and guarantors. Evaluated the appropriateness of the appraisal and ongoing value of the collateral and performed a micro-economic analysis of the income producing properties market area. Established the borrower’s risk factor which was used to create a loan term proposal and managed additional loan activity to closure.Presented risk analysis and recommendations to senior management loan review for final approvalReviewed and approved recommendations concerning insurance requirements or other loan file document deficiencies. Monitored construction schedules and addressed any unfunded loan commitments.Managed and monitored the collection of loans and/or determines appropriate workout programs on relationships in default. Determines the appropriate disposition of assets in default and no willingness by the borrower is demonstrated to repay the financial commitment. Instrumental in the prospectus preparation of Mortgage Backed Securities (MBS) ranging from $900 Million to $1.5 billion of commercial real estate (CRE) securitizations. • Assisted in risk weighting individual loans and the assignment to various risk pools in preparation of commercial real estate loan securitizations.• Accurately identified the most credit worthy, potentially successful cash flow properties to provide successful competitive financial bids.• Increased commercial real estate loan activity in the Nashville location by $100,000,000 through the use of refined research and advanced analysis techniques. Show less

Level 3 change team programmer for Virtual Machine (VM) operating system on IBM 370 architecture mainframes by: - Identifying the system problem- Writing code to isolate the failure by generating a system dump- Trouble shooting the failure by reading the Assembler code in the system dump- Wrote code to correct the failure (patch)- tested patch- Incorporated the fix into the next Program Update Tape release

Serviced and maintained Mainframe computers.