Experience

• 

  Td auto finance

  Jun 2011 - Jan 2017

  • Perform second level reviews of previously adjudicated loans.• Oversaw the performance and compliance of over 140 nation-wide credit analysts. • Develop and implement current corporate policies and procedures related to fraud prevention and company-wide risk appetite.• Review paired loans to ensure fair and responsible lending in response to federal audits. • Respond and implement remediation for reviews by governing bodies, such as the CFPB, OCC, and OSFI. • Created a work process flow for both manual and systematic risk controls under the PRCSA (Process Risk Control Self-Assessment) initiative. • Team lead for the development, implementation, dissemination, and evaluation of company-wide policies and procedures relevant to day to day operations, documentation, risk mitigation, auto loan acquisition, and the prevention of disparate lending practices.• Develop and implement department-wide remediation after performing second level evaluations of employee documentation and adjudication of auto loans.• Bank portfolio reporting: Based on file reviews, final compliance reports are disseminated and presented to upper management.• Train frontline staff in sales approach to acquire business in highly saturated and competitive marketplace. Show less • Develop and manage effective relationships with all stakeholder and assigned customers within the business.• Adjudicate auto loans based on company policies and procedures.• Review credit reports and adjudicated auto loans based on the Credit, Capacity, Collateral, and Character.• Adhere to company risk parameters to determine loan eligibility. • Work in collaboration with the Office of Foreign Asset Control (OFAC) to ensure compliance with federal economic and trade sanctions. • Cross trained in joint ventures to fund applications. • Provide direct customer service to auto dealerships to facilitate contract reconciliation and resolution. Show less

  • Business Process Analyst

    Jun 2015 - Jan 2017

  • Quality Assurance Credit Coach

    May 2013 - Jun 2015

  • Retail Credit Analyst/Investigator

    Jun 2011 - May 2013
• 

  Ally

  Jan 2017 - now

  -Create and implement statistical sampling methodology used by the Loan Review group in portfolio reviews and testing.-Conduct comprehensive reviews of loan portfolios, analyzing credit risk and ensuring compliance with internal risk policies and regulatory standards.-Develop and implement quality assurance tools to measure and monitor credit risk across diverse loan segments, contributing to improved decision-making processes.-Create and maintain data dashboards to adequately report on each portfolio's credit risk.-Collaborate with cross-functional teams, providing actionable recommendations based on data-driven insights to enhance the overall risk profile of the bank.-Mentor and train senior analysts in data analysis techniques and coding best practices. Show less -Conducted rigorous account-level analysis to assess credit risk within loan portfolios, ensuring compliance with internal risk policies and regulatory standards.-Utilized advanced data analysis techniques, including segmentation analysis, to identify areas for testing and evaluation within loan portfolios.-Collaborated with cross-functional teams to develop and implement testing strategies and methodologies, contributing to improved credit risk assessment processes.-Led the design and execution of comprehensive analysis of portfolio segments, providing actionable insights for risk mitigation and decision-making.-Prepared detailed reports summarizing findings from account-level and data analysis, presenting results to key stakeholders.-Mentored and trained analysts in credit analysis techniques and loan review best practices. Show less

  • Risk and Data Analytics Manager

    Sept 2019 - now

  • Senior Risk Analyst

    Jan 2017 - Sept 2019