Results-oriented senior banking executive and licensed attorney committed to long-term shareholder value seeking forward-looking organization. Respected for ethics, leadership, well-reasoned business judgment, consistency, accountability and resilience. |
SUMMARY
Visionary Senior Commercial Banking Executive with law degree and more than 20-years of financial management and commercial lending experience. Expertise in Credit Risk Management, Corporate Governance and Enterprise Risk Management. Builds a safe and sound organizational infrastructure and risk-intelligent corporate culture; hires, develops and retains employees. Easily builds rapport with others; excellent working relationship with regulators. Unique ability to create value through system analysis, priority identification, control design, process monitoring and resource allocation. Recognized for creating information frameworks that ensure critical data integrity and enable risk quantification and stress-testing capability. Ethical, strategic, consistent and accountable. Exceptional communicative skills; critical thinker, collaborative negotiator and trusted advisor. Brings extensive network of contacts.
PROFESSIONAL EXPERIENCE
Consultant 2011
Manage $20.0 million dollar/4-credit commercial problem loan portfolio; analyze repayment capacity, identify documentation deficiencies, quantify existing risk of loss and recommend impairment adjustment(s); formulate and execute strategies reducing risk of loss through enhanced credit controls, additional collateral and/or guarantors or liquidation.
Senior Vice President/Risk Management Officer (1999-2010)
Instilled consistent level of risk awareness throughout organization. Responsible for identifying and quantifying current and prospective internal and external risks and applicable mitigants, designing and monitoring the integrity and effectiveness of the organization’s internal controls. Managed 4-department division (17 employees) including Documentation Review, Loan Servicing, Credit Recovery and Compliance/Security and outsourced Loan Review and Internal Audit.
• Lead management in establishing and uniformly communicating priorities, desired corporate behaviors and risk tolerance, achieving 50% improvement toward desired culture.
•Created and administered examiner/auditor acclaimed credit risk management program, performed organization’s first credit risk benchmark assessment; established and monitored portfolio limits.
• Devised indicative-based benchmark operational risk assessment.
• Wrote plain language, behavior-directing, best practices-based corporate policies and procedures and implemented policies’ and contracts’ administration program including vendor due diligence.
• Established FASB 114 real/personal property loss given default analysis accurately identifying losses for charge-off versus earnings impact upon disposition achieving average
• Conceived and implemented FASB 5 and 114 compliant, comprehensive Allowance for Loan and Lease Loss adequacy analysis.
• Identified serious, systemic legal compliance risk and engineered multi-year educational partnership with state-wide university.
• Orchestrated an enterprise-wide program integrating legal and regulatory compliance risk management into the business culture and practices enabling effective impact evaluation on existing and prospective products and services.
• Developed and implemented understandable ERM reporting to management and Board of Directors.
Vice President, Credit Recovery Manager (1989-1999)
Responsible for loan recovery maximization and loss mitigation. Managed 5-member department; oversaw all loan contractual enforcement and disposition of foreclosed assets.
• Initiated third party sale of nonperforming loans mitigating financial risk by $240,000 and reputation risk.
• Transformed collection function into consumer and commercial workout lending function, reducing nonperforming assets by 50% and criticized loans by 83%.
• Originated residential foreclosure mitigation strategy resulting in limited other real estate owned.
ADMISSIONS
State Bar
U.S. District Court
EDUCATION
J.D.
A.B., Political Science
PROFESSIONAL DEVELOPMENT
Graduate School of Banking, University of Wisconsin, Madison, Wisconsin
RMA Advanced School of Commercial Lending
State Banking Association School of Commercial Lending
State Banking Association Advanced School of Banking
State Banking Association Compliance Academy
Center For Creative Leadership, Looking Glass Experience
PROFESSIONAL ASSOCIATIONS
State Bar Associations; Risk Management Associates; Society of Corporate Secretaries and Governance Professionals
COMMUNITY ACTIVITIES
Provides pro-Bono legal representation to indigent individuals; arbitrates civil litigation (Court appointed); Development Committee Chairperson; College Curriculum Advisory Committee; Big Brothers Big Sisters |
