Arvind Aurora

*** ********** *** *****:

acpsx5@r.postjobfree.com

Emerald Hills, CA 94062

cell: 650-***-****

Resume Summary

. PROFILE: Commissioned Senior Risk Management and lending professional

with 18 years of experience in wholesale and retail credits, loan

underwriting, underwriting management, lending and credit risk

management. I provide governance, oversight and defensible underwriting

of commercial and consumer loans including adherence to loan policies,

underwriting procedures, risk quantification and risk based pricing. With

several years of regulatory experience in loan reviews and reviews of

credit administration and compliance, I am equipped to enhance loan

policies and CRA compliant lending criteria while managing risk in those

credits. With in-depth knowledge of loan products development, problem

asset management, loan restructuring, new credits, credit administration,

cross-selling bank products, relationship marketing and regulatory

compliance through hands on oversight and controls. I have expertise in

all levels of credit origination and administration functions and possess

strong strategic sense with the ability to balance short-term priorities

against long-term organizational mission and goals, leadership skills,

good communication and writing skills.

Relevant Experience:

. 18 years in commercial lending, credit administration, loan grading

and workouts

. Strong oversight, supervision and controls

. Focus on growth driven bank operations

. 3 yrs. in regulatory examination, loan reviews, safety/soundness

examinations, and compliance

. Building and motivating cross functional teams for productivity and

credit transaction management

.

Assets: Expertise Experience in fast paced ABL (Asset Based Lending),

C&I (Commercial/Industrial), and CRE (Comml. Real Estate)

lending, residential mortgage and home equity lending

Expertise in regulatory compliance, CAMELS/risk management

assessment, and bank audits

Strong analytics, strategic planning, project management, budgeting

and operational controls

Excellent communication skills, marketing and sales, public

relations and customer relation skills

Professional Experience

Contractor - Credit Risk

Bank of the West, San Francisco, CA Aug.

2014 - Feb. 2014

. Provided risk management and consulting services to Bank of the

West for credit and operational risk quantification, risk

assessment and forward looking risk quantification in various

credit portfolios including auto, marine and consumer loans,

residential loan portfolios and comml. Credit.

Senior Examiner - Risk Management

Federal Reserve Bank, San Francisco, CA Oct. 2011 -

May 2014

. Performed Dodd Frank Act Stress Testing (DFAST) and capital

planning stress testing reviews of banks and BHCs. Conducted

credit portfolio stress testing, methodology review and

assessment of bank loss ratio and projected credit losses with

ALLL adequacy review.

. Made recommendations on quantitative assessments of forward

looking loan loss estimation.

Examiner - Credit Reviews

FDIC San Francisco, CA Apr. 2007 - Oct.

2011

. Performed loan reviews of state nonmember banks and ILCs in the

San Francisco region of the FDIC from San Francisco DSC Field

Office. The work involved examining all types of credits

including CRE, C&I, Commercial, mortgage, Heloc and other

consumer loans at banks, large and small, and review and assess

compliance with loan policies, prudential underwriting standards

and practices and credit administration. Reviewed institution's

Asset Quality and Risk Management functions including collateral

reviews, obligor's ability to pay, current financials and

payment history. Also, assessed Sensitivity to Market Risk in

credit portfolios.

. Assessed bank's risk management policies, procedures and

practices, and cited violations with commitments to heed

compliance with lending limits, CRA and CFPB compliance.

. Prepared and edited examination reports; provided feedback to

case managers and assistant regional directors; conducted

visitations, and compliance reviews with FDIC supervisory

orders.

1 Credit Risk Officer

Preferred Financial/Loan City, Burlingame, CA Sep.

2005 - Nov. 2007

. Developed and administered risk based CRE/C&I lending products,

risk management policies, procedures and practices. Managed

lending operations, bulk trading, asset sale, securitization,

participation, and pledging of the group's asset portfolio.

Responsibilities included credit risk assessment, risk

valuation, risk pricing, top level credit approvals, credit

packages, collateral reviews, documentation and legal,

disbursement monitoring, covenant negotiations and reporting.

Also, managed asset concentrations, internal risk profiles,

external credit reviews, regulatory compliance monitoring and

reporting, and co-ordination with OTS examination.

. Developed market focus, strategic positioning and management

controls in C&I product placement, new market development, and

financial turnaround of the Group and its role in the

marketplace.

2 Credit Administrator

Treasury Bank, Thousand Oaks, CA Mar. 2001 -

Aug. 2005

. Develop and manage credit risk functions of the bank's asset

portfolio of commercial, industrial, residential and consumer

credit products. Reviewed and enhanced bank's lending policies

and risk management practices by developing bank's comprehensive

loan audit functions, credit review criteria and procedures,

internal loan grading, problem loan management and sale. Managed

pledged assets, new lending products for acquisition and bank's

de-accession policies.

. Participated in Board level reviews with production forecasts,

strategic initiatives, market opportunities, risk reviews and

business legal issues to strengthen company focus and growth.

3 VP, Commercial Lending Group

Washington Mutual, Chatsworth, CA Jul.

1998 - Feb. 2001

. As head of Credit Risk of Wamu's CRE lending operations, revised

and risk focused lending policy, underwriting guidelines and

procedures for relationship managers including CAM content,

approval process, collateral review, DSCR and verification of

financial records. Chaired loan committee and supervised loan

impairment assessment, ALLL methodology, loan migration and

provisioning. Responsible for Wamu's corporate wide risk

monitoring and risk education activities.

. Provided for production enhancement from $3.2 billion to $5.6

billion annualized through product alignment, developing cross-

functional teams and loan production operation development.

4 VP, Consumer Lending

First Federal Bank, Santa Monica, CA Oct. 1993 -

Jun. 1998

Led a team of underwriters to developed assessment tools for

loss/risk and compliance, post funding quality control, default

and fraud issues, and MIS reports for Countrywide. Also,

identified operational parameters to minimize exposure and

credit risk by refining use of tools.

. Managed a large staff of loan underwriters, processors and

funders for bank wide consumer, mortgage, commercial and SBA

loans and lines of credit. Provided supervision, guidance,

training and supervisory approvals to meet and exceed production

goals. I conducted weekly meetings, met with CCO to assist in

various loan policy, hybrid credit and problem credit issues.

.

6 VP Underwriting and Correspondent Accounts

7 Countrywide Financial May 1990 -

Sep. 1993

Managed lending operations of Southern California broker-lenders

with sales staff to originate new accounts for loans, processing

and underwriting. Interfaced directly with large correspondent

accounts and loan brokers. Managed production schedules and

sales.

Education Ph.D., Mech. Eng., 1983, UCSB/PWU, Santa Barbara, CA

MS, Mech. Eng., 1983, U of Manitoba, Winnipeg, Canada

Personal US CITIZEN; married 24 yrs., twin children; enjoy blues music;

reside in San Francisco Bay area.

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