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WORK EXPERIENCE

BANKING WORK EXPERIENCE

CITIBANK

GENPACT INTERNATIONAL, LLC

PROVIDENT BANK

BBVA COMPASS BANK

ALLEGIANCE BANK TEXAS

GRANT THORNTON                                                                                                                                

New York City, New York

2021-Present time                                                                                                                                                                                                                        

Background Grant Thornton is the world's seventh-largest by revenue and sixth-largest by number of employees professional services network of independent consulting member firms which provide assurance, tax and advisory services to privately held businesses, public interest entities, and public sector entities. 

Title/Role: Global Banking, Executive Manager

Objectives:

   •    Lead multi specialty risk solutions teams to international and national investment and commercial banks- Formulating credit data & market strategy, connecting all sides of the business including sales, regulatory & compliance, credit ratings / risk, data analytics, and operations Leader for Portfolio, client, and risk management for the New York Metro leadership team

PROVIDENT BANK                                                                                                                                       

Hoboken, New Jersey

2021     

                                                                                                                                                                                                                 

Background Provident Bank extends commercial and wealth management investment services to businesses and people in the New York, New Jersey and Pennsylvania Markets. With $12 billion of assets under management and a growth strategy in place, credit data, client management, and processes become a crucial part of their set up for growth. Provident Bank is the Proud sponsor of the New York Red Bulls soccer team in the US Major League Soccer Championship.

Title/Role: Credit Risk Officer- Portfolio Management, Data & Client Management

Objectives:

   •   Senior Leader for Portfolio, client, and risk management for the New York Metro leadership team
   •   Execute credit strategy, managing and influencing decisions using data analytics, negotiations, and experience
   •   Identify and improve enterprise and business line data gaps, leading special teams and objectives for bank's growth strategy, 

        enhancing for credit risk strategy and execution
   •   Execute data qualitative and quantitative model evaluations, recommending multiple risk management action 

GENPACT INTERNATIONAL, LLC                                                                                                                                       

New York City, New York

2017-2020                                                                                                                                                                                                                        

Background Genpact is a global  $3.5 Billion Consulting Organization for the Banking & Financial Services Industry, Managing Portfolio improvement projects using AI, Data and Risk Management subject matter expertise

Title/Role: Credit Business Executive, Credit Risk Subject Matter Expert

Objectives:

  • Managed portfolio of assigned relationships, consisting of 7 banks in the North American Market as part of the risk management executive leadership team

  • Led teams in strategy and execution for portfolios audits and reviews, data management , and data analytics in support of  Digital Transformation at these banks

  • Presented  credit risk technologies to executives level at banks and financial institutions

 

Consulted and executed credit projects at banks,  to name a few:

CITI BANK

SUN TRUST BANK

REGIONS BANK

BBVA COMPASS BANK                                                                                                                                       

Houston, Texas

2014-2017                                                                                                                                                                                                                        

Organization: International Bank, Spanish based 

Division: Wealth Management & Commercial Risk Management

Title/Roles:  Credit Portfolio Manager & International Credit Risk Underwriting Officer

Objectives:

  • Managed credit portfolio in the amount of $1 Billion & $700 Million approx.

  • Underwrote CRE and C&I Marketable Securities credits Middle Market Latin American Corporations

  • Led the approval and auditing functions of credit deals, independently assessing credit risk ranging between $500k to $30 million in credit exposure

  • Developed strategies for credit structures, following according to credit policy, credit laws, and credit best practices

ALLEGIANCE BANK TEXAS                                                                                                                                                      

Houston, Texas

2012-2014

Organization: Regional Bank extending loans to small businesses in the Texas Region

Title: Credit Risk Analyst 

Objectives:

  • Conducted Credit Analysis of assigned relationships and coordinated underwriting processes of its renewals and new clients- in a $180 million portfolio, deals between $1Million and $10 Million

 

STARTUP EXPERIENCE                                                                                                                                                            

ENINUX, LEGACY WEB DESIGNERS 

2010-2012

Objectives:

  • Created programming website development company in Houston,  growing from 0 to 22 clients in a 6-month period