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Devised and directed the implementation of a redesign of the portfolio management process (loan administration through litigation), that also included changes in reporting lines and leadership personnel, for a $3 billion portfolio of consumer and residential loans
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Recommended organizational, procedural and Credit Risk Management changes to the commercial banking segment, segregating underwriting responsibilities from new business development activities as a regulatory response, and also recommended pricing model and incentive compensation program modifications to improve governance and productivity
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Designed the process flow, recommended personnel placements, reporting structure and facilitated the implementation of a new charge-off recovery management process for defaulted commercial and consumer loan and lease transactions
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Developed a series of consumer and commercial loan portfolio performance analytics used to modify front-end credit underwriting policies and practices |
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Designed and facilitated implementation of new consumer and small business loan modification products, along with policies and procedures for use by loss mitigation teams |
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Facilitated a regulatory response involving the development and implementation of a project plan for the reorganization and substantial process redesign of the Credit Risk Management function |
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Redesigned sales incentive compensation programs for disparate commercial finance subsidiaries that fully aligned individual rewards with corporate objectives by incorporating productivity, profitability and credit performance standards |
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Facilitated a regulatory response that involved the development of a corporate-wide credit risk concentration matrix, spanning all consumer and commercial business lines, incorporating limits for value, product type and financing structures counterpoised against business segments and sub-segments (i.e.; consumer v. commercial; middle market v. small business), geography, SIC, collateral type, sponsor group, counterparty risk, etc. |
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Critically assessed the core business model, strategic fit and future prospects of a specialty finance subsidiary, facilitating its sale by advising the bank parent and investment bankers on organization and documentation of key performance data |
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Facilitated a regulatory response by resolving a commercial finance subsidiary’s outstanding regulatory compliance issues (e.g.; BSA, AML, etc.), which was accomplished without sacrificing the business’s competitive advantage |
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Assisted in the development and presentation of unique performance metrics that pertain to commercial and consumer portfolio segments for investor relations management purposes |
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Performed forensic analysis of credit and contract underwriting failures and policy disconnects, and facilitated the implementation of corrective measures |
