JAMIESON I. KAKU

**-*** ******** **. • Mililani, Hawaii, USA 96789

1-808-***-**** (Home), 1-808-***-**** (Mobile) • abnom6@r.postjobfree.com

LENDING AND RISK MANAGEMENT EXECUTIVE

Innovative lending professional with a talent for directing initiatives that improve company performance and

achieve regulatory compliance. Develop and implement credit policies and procedures that mitigate risk.

Analyze portfolio data and create innovative solutions to insure compliance to policy and streamline

operations. Develop new products and establish corporate lending strategy. Build consensus at all levels,

bringing cross-functional teams together to achieve business objectives. Areas of expertise include:

Consumer Lending/Mortgages • Consulting • Business Analysis • Team Building • Problem-Solving •

Relationship Management • Risk Management • Product Development • Portfolio Management • Risk

Strategy • Credit Risk Policy • Risk Analysis • Credit Scoring • M&A Due Diligence

PROFESSIONAL EXPERIENCE

HEADSTRONG JAPAN, Tokyo, Japan • 2007-2008

International application development, business and domain consultancy with 3,000 staff worldwide.

Managing Consultant: Analyzed client businesses, identifying risk exposure and business process

deficiencies. Developed and implemented solutions to mitigate risk and improve operations. Consulted with

clients onsite, creating overview of business processes and recommending improvements to streamline

operations and achieve greater efficiency. Managed client relationships, communication with foreign senior

executives, and worked with cross-functional teams to implement solutions. Led consulting efforts for

improvement strategies to Commercial and Residential Mortgage lending programs.

Key Accomplishments:

• Spearheaded major process improvement initiative for prestigious investment banking client, identifying

and remedying deficiencies to facilitate on-time, accurate statement production.

• Assessed structured finance operations for global banking client, identifying numerous areas for

improvement and creating solutions that increased productivity.

• Built positive, productive relationships with client employees under challenging circumstances, generating

trust and expanding consulting opportunities.

NEW CITY MORTGAGE, Tokyo, Japan • 2005-2007

Start-up residential property mortgage bank with 60 full-time employees and 40 contracted staff.

Chief Credit Officer: Led credit and risk management operations. Developed and implemented credit risk

policies and procedures. Served on both the Senior Management and Compliance committees. Developed

strategy for lending criteria and other online processes. Managed acquisitions of new accounts and portfolio

risk through online channels. Led all new product development to meet market needs. Signing authority for all

loan approvals with an exception to standard policy. Liaised with rating agencies and capital provider, serving

as primary contact for all portfolio risk reporting and credit policies issues.

Key Accomplishments:

• Raised profile of risk management and provided best practices throughout the company, elevating

awareness for investors, CEO and sales staff.

• Built consensus among colleagues, fostering a genuine spirit of cooperation by involving cross-functional

teams in decision-making processes.

• Developed and implemented risk dashboard tool for Board of Directors, providing vital information on

emerging risks and portfolio performance.

• Spearheaded major product development project, successfully launching 4 loan instruments, including a

groundbreaking loan category not previously available on the market.

• Skillfully managed non-conforming mortgage loans (residential and investment), posting an 85% approval

ratio and less than 0.5% delinquency ratio; grew portfolio to $100M in 8 months.

Resume

JAMIESON I. KAKU • Page 2 • abnom6@r.postjobfree.com

SHINSEI BANK, Tokyo, Japan • 2003-2005

Leading retail and investment bank with 4,000 employees.

Deputy General Manager (Consumer & Commercial Finance Group): Directed risk management policy,

creating standards for subsidiaries (non-bank), integrating risk processes for acquired companies and

developing risk platform for all subsidiaries. Created risk management dashboard to provide monthly risk

appraisal updates for senior executives. Provided oversight and was approving authority for scorecard

selection and implementation. Managed all portfolio analytics for consumer risk businesses. Conducted due

diligence prior to all non-bank mergers and acquisitions. Provided training and implementation expertise on

SAS and risk management analytics project for Shinki Ltd, overseeing creation of monthly risk management

reporting and scorecard validation functions. BASEL II project member.

Key Accomplishments:

• Saved an average of $1M per month with a new collection strategy and increased monthly loan volume by

$1M with an innovative credit line strategy.

• Developed collections strategy that stabilized short-term delinquency, and reduced monthly write-offs by

an average of 10 bps.

• Played key role in integrating Aplus Co. (one of Japan’s leading automotive and shopping finance

providers) business processes; acquisition added $10B loan balance.

CFJ (CITIFINANCIAL JAPAN), Tokyo, Japan • 1999-2003

Major consumer finance lender (mortgage and unsecured revolving credit) with approximately 6,000 staff.

Assistant General Manager (Head of Credit Policy), Risk Management: Developed, implemented and

managed credit risk policies and co-led credit quality function for the risk team. Managed scorecards and

designed strategies to implement credit scoring models and TRIAD. Used SAS ad-hoc to assess risk and

approved internal campaign and operational activity announcements as well as new product proposals.

Conducted due diligence on merger and acquisition targets. Selected by CEO to serve on the Corporate

Strategy Committee. Liaised with Federal Reserve Bank examiners and Citigroup internal risk auditors.

Completed Senior Credit Risk training covering consumer and commercial lending, fraud risk and MIS.

Key Accomplishments:

• Provided critical risk analysis for a project that increased the outstanding balance by $300M in 6 months,

significantly elevating sales.

• Merged 3 consumer finance lender’s credit practices into one, and brought company credit risk policies

and procedures into full compliance with Citigroup’s global standards.

st

• Monitored collections practice and created firm’s 1 vintage analyses and delinquency movement matrix.

• Oversaw design for application and behavior scoring models, and built strategies for TRIAD

implementation; managed scorecards for business.

EDUCATION & PROFESSIONAL TRAINING

Master of Business Administration in International Business Management

University of Hawaii, Honolulu, Hawaii

November 1999

Bachelor of Science in International Business and Management

Brigham Young University-Hawaii, Laie, Hawaii

June 1996

Citigroup Senior Credit Risk Training • American Bankers Association • Toastmasters

LANGUAGES

Fluent in English and Japanese

Resume

Contact this candidate