Experience

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  Capital One

  • United States
  • Financial Services
  • 700 & Above Employee

  • Director

    • Feb 1994 - Present

    ACCOMPLISHMENTSThe Bank received an “Outstanding” Community Reinvestment Act (CRA) rating three consecutive exam cycles.Since 1998, under my supervision, the retention fund rate for dormant accounts averaged 98%, due to the extensive research/due diligence performed by the CRA Division.PROFESSIONAL EXPERIENCEAnalyze mortgage loan information for Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) compliance, implementing known software programs as well as creating programs unique to the department. Supervise preparation and data categorization of the Loan Application Register for submission to the Federal Reserve Bank. Supervise the CRA Specialist and the CRA Analyst. A member of the Bank’s First Mortgage Loan Review Committee and the Community Development Steering Committee consisting of executive and senior managers. Advisory Board member of Housing Unlimited, Inc., Montgomery County, Maryland.

  • Vice President

    • Feb 1994 - Present

     Develop various pricing and decisioning regression models analyzing loan data to ensure the Bank is in compliance with Fair Lending laws and with the Bank’s established Fair Lending program.  Perform a risk assessment analysis to determine the adequacy of the Bank’s Fair Lending program.  Manage the Bank’s CRA examination preparation/process and the CRA presentation to the Bank’s regulator--Office of Thrift Supervision (OTS).  Develop/maintain a CRA Strategic Initiative (SI) document to guide various business units in the implementation of their established CRA business plans/goals.  Manage the Escheats/Abandoned Properties research process.  Develop and maintain policies/procedures to meet the Bank’s Escheats reporting requirements to various states.  Design and develop computer programs to enhance and automate various job functions, resulting in efficient operation of the department. Manage and prepare the CRA Division budget.

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  FIRST AMERICAN/FIRST UNION NATIONAL BANK

  • Lending Officer

    • Jul 1983 - Nov 1994

    Developed and maintained Indirect Home Improvement program, and trained existing and new home improvement contractors. Also responsible for managing the Indirect Home Improvement loan portfolio, generating interest and fee income, and minimizing losses. Evaluated and made credit decisions on secured/unsecured, home improvement, revolving and automobile loan applications, resulting in increased growth of loan portfolio and decreased delinquencies and charge-offs.  Supervised daily operations of equipment/auto leasing area, resulting in minimal losses and increased recoveries of unpaid accounts. Expanded and maintained customer base by recommending prospective home improvement contractors and calling existing ones for potential growth of portfolio and fee income.Staff Accountant (1986 - 1987); Floorplan Accountant (1983-1986)