Experience

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  Sterling Bank & Trust, FSB

  • Southfield, Michigan

  • Credit Data and Reporting Manager

    • Sep 2018 - Present
    • Southfield, Michigan

    Responsible for reporting and analysis surrounding loan portfolios. Will be involved in stress testing, allowance for loan loss calculation and support, and developing various credit risk reports for the loan portfolios, Will work to automate reports where possible using supporting systems.

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  Flagstar Bank

  • United States
  • Banking
  • 700 & Above Employee

  • First Vice President/Manager of Allowance for Loan & Lease Losses

    • 2015 - 2018

    Responsible for all functions supporting the allowance for loan & lease losses - analysis, reporting, forecasting, budgeting, etc. • Subject matter expert on loan / lease allowance staying up-to-date on regulatory and accounting guidance and be liaison with other areas of the bank on the allowance. • Responsible for controls around the allowance processes to ensure compliance with SOX, GAAP and regulatory requirements. • Addressed concerns from external auditor regarding the allowance support and analysis resulting in full compliance and sign off by the auditor on the process.• Assist in development of new allowance process to comply with recent GAAP release of Current Expected Cumulative Loss method that will be in place by 2020.• Became subject matter expert on data sources used in reporting and analytics on the loan and lease portfolios.

  • Manager - Reporting & Analytics

    • 2013 - 2015

    Established new team to develop analytics and reporting on the loan portfolios held for investment, including portfolio analysis, credit quality, peer analysis, and trend analysis. • Became subject matter expert on the allowance for loan and lease losses for the held for investment loan portfolios, including calculation, reporting, analysis, budgeting, and forecasting. • Developed consolidated reporting and analysis on loan and lease portfolios, i.e. delinquency reporting, risk rating trends, non-performing trends, balance trends that hadn’t been previously provided to management.• Worked to automate processes and improve controls surrounding the overall performance of the allowance and portfolio reporting by developing and enhancing data extraction methods.• Addressed deficiencies identified by the regulators in the allowance process regarding the allowance estimation, procedures, and controls resulting in full compliance.

  • Vice President/Senior Financial Analyst

    • 2009 - 2013

    Developed loan portfolio analysis and reporting for commercial loan portfolio; also managed all forecasting, budgeting, and monthly financial analysis of Commercial Lending and several Shared Service divisions. • Provided complete financial support to assigned business units in understanding financial performance and developing budgets and/or forecasts on a periodic basis.• Developed loan data base for reporting and analysis of the commercial loan portfolio.• Developed analysis and reporting surrounding the commercial portion of the allowance for loan loss to better predict impact to the financial statements.• Managed two senior financial analysts who assisted in the financial planning process for the assigned business units.

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  Bank of America

  • Troy, Michigan

  • Manager - Business Finance Support

    • 2007 - 2008
    • Troy, Michigan

    Contributed to smooth transfer of duties within scheduled time frame during corporate transition.• Developed and managed multiple loan databases to monitor credit quality reporting and analysis and produce reports.• Orchestrated calculation, analysis and forecasting of loan loss reserves, market ...

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  Standard Federal Bank

  • Troy, Michigan

  • Vice President

    • 2001 - 2007
    • Troy, Michigan

    Handled analysis and credit quality reports for regional bank's loan portfolio as well as the total consumer loan portfolio on a national level.* Provided expertise on forecasting, budgeting, and monthly financial analysis of Consumer Risk Management division, with annual expenses of over $20...

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  Michigan National Corporation

  • Group Accounting & Finance Manager

    • 1996 - 2001

    Handled all reporting and analysis surrounding the credit quality of the lending portfolios at the Bank. In addition, served as Business Unit controller for Risk Management division with annual expense budget of approximately $17 MM. • Streamlined loan loss reserve calculations through collaboration with Australian parent company in development of dynamic provisioning processes.• Optimized forecasting procedures used to determine credit quality measures through incorporation of added live data from multiple areas to strengthen predictions.

  • Accounting and Finance Manager

    • 1990 - 1996

    Commanded accounting and analysis operations as leader of 7-person team of financial professionals. Managed financial analysis and reporting on investments, fixed assets, loans, foreclosed properties and inter-company accounts.

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  Coopers & Lybrand

  • Staff Accountant

    • 1988 - 1990

    Audited financial records for clients in real estate, construction and education. Assisted in preparation of financial statements and tax work papers for same clients. Assisted health care client in reconciling accounts, preparing financial statements, preparing budgets, and preparing cost repo...

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  Cranbrook Educational Community

  • Senior Accountant/Financial Analyst

    • 1985 - 1988

    Prepared general ledger entries, account reconcilements, and maintained financial records. Assisted Director of Finance in preparation of financial reports, budgets, tax returns, and audit of accounts. Assisted systems manager in running accounts payable checks, running accounting reports, and ...