Eric S. Miller

*** ****** **. #***

San Francisco, CA 94105

accfsz@r.postjobfree.com

415-***-****

HIGHLIGHTS

• Strong finance background with over 15 years of analytical experience

• Excellent verbal and written communication; comfortable interacting with all levels of management

• Excel expert, strong database and business intelligence skills

EXPERIENCE

Independent Credit Risk Research: April 2012 to Present

• Developed credit risk model which ranks all commercial banks in the U.S. based on regulatory reports

• Analyze historical levels of capital, asset quality, earnings, liquidity, and market risk of U.S. banks

• Develop statistical algorithms to forecast future measures of financial health of U.S. banks

• Maintain database of financial data, statistical algorithms, and model results dating back to Q1 2000

Federal Home Loan Bank of San Francisco, San Francisco, CA

Portfolio Manager: August 2009 to April 2012, Senior Credit Analyst. October 2008 to August 2009

• Performed credit analysis on portfolio of financial institutions of varying size and complexity

• Prepared written credit exposure recommendations for distribution to Credit Committee

• Presented recommendations to Credit Committee and respond to committee member concerns

• Monitored condition of institutions using of regulatory reports, press releases, and conference calls

• Prepared stressed collateral valuation of all pledged collateral on weekly basis

SFO Mortgage, San Francisco, CA

Broker : April 2006 to October 2008

• Marketed, sold, and processed mortgage loans to homeowners

• Maintained relationships with lenders and referral sources

• Performed all operational and compliance duties for corporation

E-LOAN, Inc., Pleasanton, CA

Senior Risk Management Analyst : January 2005 to April 2006

• Monitored Sarbanes Oxley control structure for capital markets functions including secondary marketing, pipeline hedge activities, and structured finance

• Presented recommendations to senior management

• Managed projects related to mortgage pricing, M&A, and de Novo bank

Stone & Youngberg LLC, San Francisco, CA

Fixed Income Sales : January 2003 to October 2004

Sold full array of fixed-income products to banks and other institutional investors including:

• MBS: TBA, CMO, and whole loans

• U.S. Agency Securities

• Corporate bonds: investment grade and high-yield

• Municipal securities specializing in bank-qualified issues

Federal Reserve Bank of San Francisco, San Francisco, CA

Bank Examiner : July 1995 to December 2002

• Assessed financial condition of banks and bank holding companies

• Issued CAMELS & BOPEC ratings and presented findings to bank management and directors

QUALIFICATIONS

• Strong financial modeling skills using: Excel, Access, SQL, VBA, Python, R, and Bloomberg

• Federal Reserve Board of Governors bank examiner commission

• CFA Level II Candidate

• Series 7 and Series 63 Licenses (inactive)

• B.A. Economics, CSU Chico, 1995

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