Experience

• 

  Applied Bank

  • United States
  • Banking
  • 1 - 100 Employee

  • Chief Risk Officer (CRO)

    • Jul 2019 - Present

    Senior Vice President and Chief Risk Officer overseeing the operational risk, regulatory compliance AML/CFT and the loan operations areas of the Bank. I also serve as the Chief Audit Executive and Community Reinvestment Act Officer. I chair the Bank’s Risk Committee and CRA Committee. I am the Bank’s liaison to, and recording secretary for, the Board Credit Committee, Board Audit Committee and Board Risk Committee. I report administratively to the president, but functionally, to both the audit and risk committees of the board.

  • Senior Vice President - Chief Credit Officer

    • Apr 2018 - Jul 2019

    As Chief Credit Officer my responsibilities include overseeing the special assets functions of the Bank and Affiliated Companies. Oversight includes loan workouts, troubled debt restructuring, foreclosures, disbursements and the collection, negotiation and sales of acquired properties ("OREO"). Conduct analysis and make appropriate recommendations as to non-accrual or charge off of loans or the write down of OREO values. Provide support and direction to a system of credit analysis to ensure underwriting of credit exposures is thorough and complete, risk identification is sound, and risk management practices are appropriate. Review credit or acquisition. Make appropriate recommendations on content of write-ups, loan structure, terms, and pricing so as not to expose the Bank and participating affiliates to undue risk.My participation in several committees involved in the management of the Bank allows me to monitor and ensure the control infrastructure is appropriately guiding adherence to the policies and procedures and to ensure regulatory and governmental rules and guidance are observed.Responsible for the ongoing credit quality trends of the portfolios including the identification and documentation of problem loans, policy exceptions, risk rating changes, annual reviews, watch list reviews, and/or special reviews that may be required.I represents the Bank in various community, civic and community reinvestment functions to further enhance the Bank's image and develop additional business; assists the Bank in establishing and maintaining market position in the market.

  • Senior Vice President - Chief Lending Officer

    • Oct 2015 - Apr 2018

    As CLO I develop, organizes and direct all lending activities of the Bank, including commercial real estate loans, business loans, (including SBA loans), and other lending. I participate in the strategic planning process, ALCO, Credit Committee and Risk Committee, I develop of the Bank’s lending policies and procedures. I ensure the growth, asset quality and compliance goals of the loan portfolio are met. I oversee the Bank’s collection and administrative management functions within the lending area . I monitor the Compliance, Internal Audit and Risk Management functions of the Bank.

  • Vice President - Chief Audit Executive and Global Risk Manager

    • Sep 1996 - Oct 2017

    As the Chief Audit Executive and through the use third party internal audit and other assurance providers, I coordinate risk assessments and develop audit plans that ensures optimal audit coverage at a reasonable cost. I oversee the third party provider’s work to validate that the Bank’s risk management, operational, and governance infrastructure is adequate and functioning in accordance with the Bank’s strategic goals and objectives, applicable laws, regulations, practices and agreements. I apprise the Audit Committee of the Board of Directors on audit activities, audit recommendations, and the effectiveness of corrective actions addressing audit findings or concerns. As Global Risk Manager and Chairman of the Bank’s Risk Management Committee, I continually appraise operational, credit, regulatory, compliance, legal and reputational risks against business objectives, portfolio targets and environmental factors in the management of global risk. I report the state of global risk and other relative issues to the Risk Committee of the Board of Directors while reporting the state of credit and portfolio risks to the Credit Committee of the Board of Directors. I am an invited guest and recording officer for the Bank Management Credit Committee.

• 

  Mellon Bank

  • Senior Supervisor

    • 1992 - 1994

    As Senior Supervisor I managed the entire card operations facility during the evening, weekend, holiday and on call hours. I ensured operational effectiveness and production results for customer service, fraud and authorization referral areas for this $1.2 Billion Dollar credit card portfolio.