John Slominski ***** Kelok Rd.

Email: ac0bk6@r.postjobfree.com Lake Oswego, OR 97034

503-***-****

SUMMARY

Accustomed to autonomous multi-product P&L responsibility for multibillion-dollar banking and insurance operations.

Over 25 years’ experience in managing the financial operations of large scale domestic and international operations.

Over 10 years’ experience in managing on line ecommerce lending platforms serving consumer and commercial customers.

EXPERIENCE

LendingHome – San Francisco CA. 6/2016 – 12/2016

Vice President – Credit and Enterprise Risk Management

Lead the Credit and Risk policy teams and QC team functions and ensure compliance with all credit policies.

Lead the creation and design or effective products and polices with sound credit fundamentals and ensure effective roll out across the company.

Responsible of Quality Control group and optimization of operational requirements across credit conversion and cost.

Manage budgets and returns and make adjustments to business operations to hit targets.

Create, and monitor underwriting policy, enterprise risk and capital and ensure personnel adhere to set policies.

Manage 3rd party servicing functions and reporting

AES – Portland Or. 2/2013 – 3/2016

Vice President – Credit, Operations and Enterprise Risk Management

Responsibility for underwriting, servicing, enterprise risk and capital, quality control and reporting of all lending and investment operations. Portfolio under management and advisement of $2 billion. Annual loan/investment production approaching $500 million.

Manage financial reporting, risk, 3rd party servicing, credit and quantitative modeling departments. Team of 50 directors and staff.

Updated credit guidelines and scorecards with introduction of 3 new loan products resulting in 20% increase in loan volume and cross sell opportunities.

Set return and risk/stress capital levels and manage to target results for the commercial and consumer portfolios. Track report and assess financial performance and returns from an actual to expected basis and recommend adjustments to reserve levels if necessary and develop corrective action on adverse trends.

Set strategic and long term budget goals of the department and report adherence to plan to senior management.

Create, and monitor underwriting and capital policy and ensure personnel adhere to set policies. Asset classes included Purchase and Refinance Mortgages, Small Business Loans, Sub Prime Vehicles, Commercial Debt and Equity investments and Unsecured Prime and Sub Prime Consumer Lending.

Associated Bank – Milwaukee WI. 8/2011 – 2/2013

Senior Vice President – Retail

Budget, revenue and portfolio return responsibility for retail lending operations. Portfolio under management of $13 billion. Annual loan production of $4 billion.

Responsible for providing direction and management of all personnel at home office and branches. Department staff consisted of 150 employees. Manage finance, reporting, risk, credit and quantitative modeling departments.

Set target capital and net return levels and obtain overall target results of the department. Report, track and assess financial returns from an actual to expected basis and recommend adjustments to reserve levels if necessary and develop corrective action on adverse trends.

Set strategic and long term business unit goals and operating budgets of the departments and report adherence to plan and budgets to senior management.

Create, and monitor finance, servicing (3rd party and direct), and underwriting policy and ensure personnel adhere to set policies. Asset classes included Purchase and Refinance Mortgages, FHA/VA, Small Business Loans, Auto/Motorcycle, Marine, RV, Home Equity, Home Improvement and Unsecured Consumer Lending.

Updated credit guidelines, projections and scorecards resulting in 12% increase in loan volume and cross sell opportunities. 2 New loan products also created and implemented into the bank.

Manage all OCC, CFPB, GSE and other regulatory reviews of credit, capital, reserves, underwriting and default services with no material issues cited in 2011 and 2012 reviews.

MGIC Investment Corp – Milwaukee WI. 1/2008 – 8/2011

Director – Portfolio Risk Management

Manage 50 directors and staff responsible for enterprise risk management and financial reporting on portfolio, operations, lender risk, 3rd party servicing management and product risk profiles in the $250 billion insurance and reinsurance risk portfolio. Assess portfolio from an actual to expected financial return basis and recommend corrective action on adverse trends.

Monitor all programs and activities surrounding risk assumption on all new mortgage risk programs and assess performance. Create and implement new broker/correspondent risk assessment program and institute acceptable performance parameters for brokers and correspondents.

Set minimum lender performance standards and capital levels and measure/rank lenders for grading and relationship profiles.

Develop and maintain scoring models for portfolio and lender risk. Quarterly risk assessment of portfolio based on scoring model. Stress tested the portfolio based on internally developed models in addition to OFHEO capital model and report results to senior management.

Radian Group – Philadelphia PA. 2/2000 – 12/2007

Vice President – Finance

Manage 50 VP’s and staff responsible for all functions surrounding Structured Credits (CDO’s, CLN’s, and CDS’s), Financial Guaranty, Reinsurance, ABS policy and SMART Home risk transfer.

Set portfolio management policy, economic and regulatory capital, and optimum portfolio mix/limit management for the channels portfolio.

Set target net return levels and obtain overall results for the department. Track and assess returns from an actual to expected basis (prepayments, delinquency, losses and returns) and develop corrective action on adverse trends.

Vice President – Credit and Enterprise Risk Management

Manage the department responsible for developing, disseminating and managing all mortgage credit risk policy for US and International operations. Portfolio of $120 billion insurance and reinsurance in force. Ensure compliance with legal, regulatory and internal requirements.

Set all policy functions surrounding 3rd Party Servicing Risk Review and Management, Structured Credits, Credit Guidelines, Financial Guaranty, Reinsurance, and ABS policy.

Set portfolio management policy, economic and regulatory capital, and optimum portfolio mix/limit management. Provide direction and oversight of all credit personnel, set and manage budgets, forward plan and return requirements for the department.

Set target net risk/capital and return levels and obtain results for the department. Track and assess returns from an actual to expected basis (prepayments, delinquency, losses and returns) and develop corrective action on adverse trends. Report results and projections quarterly to the board.

Responsible for managing regulatory and statutory capital levels and report to regulators, GSE’s and Rating Agencies on levels, reserves, strategic plans and trends. Report results to the board on a quarterly basis.

Vice President – ABS Credit

Responsible for all credit activities in the ABS Sector. Risk assumed of $3.0 billion. Risks assumed consist of Sub Prime Auto, Manufactured Housing, Sub Prime Mortgage, NIM’s, Sub Prime Auto, Consumer Loans, Multi Family and Second Lien securities. Operations generate a ROE of 21%.

Fannie Mae - Washington DC. 9/1997 – 2/2000

Director – Mortgage Finance

Responsible for all of Fannie Mae’s credit activities in the Alternative Products market. Portfolio under management of $13 billion. Average annual volume of $4.5 billion per year consisting of loan level flow production, portfolio purchases and structured transactions. Operations generate a ROE of 17%.

Responsible for developing alternative credit enhancement structures, funding vehicles, reinsurance programs and risk swaps for new markets activities.

Nations Credit (Bank of America) - Stamford Ct. and Atlanta Ga. 10/1992 –9/1997

Vice President - Credit

P&L, budget and return responsibility for retail lending operations. Portfolio under management of $10.5 billion. Annual loan production of $4 billion. Portfolio growth over 20% Year over Year.

Securitized originations resulting in a ROE of 25%

Set direction for the division for home office and branches in the roles of origination, reporting, credit, collections, customer service, loss management, repossession and foreclosure functions. Department staff consisted of 350 employees and over 50 branch offices.

Set target net return levels and obtain results for the department. Report, track and assess financial returns from an actual to expected basis and develop corrective action on adverse trends. Set minimum pricing for all programs and transactions and assess compliance with minimums and report variances and corrective actions to senior management.

Create, and monitor finance and underwriting policy and ensure personnel adhere to set policies. Asset classes included Purchase Mortgages, Small Business Loans, FHA/VP products, Sub Prime Auto/Motorcycle, Marine, RV, Manufactured Housing, Timeshare Finance, Home Equity, Home Improvement and Unsecured Sub Prime Consumer Lending.

Director – Structured Transactions

Responsible for structured finance operations and portfolio purchases for finance company operations.

Securitized over $10 billion in loans resulting in a ROE of 40%.

Manager – Credit

Responsible for finance company credit policy. Responsible for underwriting guidelines, scorecard development, and credit review of commercial and consumer lending and leasing operations.

Associates Corp (Citigroup) – Chicago IL. Dallas TX. 1/1988 – 10/1992

Manager - Credit

Responsible for Consumer Credit Policy for Ford Consumer Finance (division of Associates) operations. Portfolio under management of $4 billion. Asset classes included Purchase Mortgages, Auto/Motorcycle, Marine, RV, Manufactured Housing, Home Equity, Home Improvement and Unsecured Consumer Lending.

Wholesale Manager

Manage wholesale funding operations for commercial assets. Floorplan programs for Auto, Heavy Duty Truck and Construction Equipment.

Wholesale Group Supervisor

Manage the wholesale funding operations for commercial assets.

National Futures Association – Chicago IL. 12/1986 – 1/1988

Auditor

Auditor for self-regulator agency for the commodities futures trading industry.

Education

Bachelor of Science Degree, Accounting/Finance, 1986

Northern Illinois University

Software Experience

SAS, SQL, Excel, Fiserv, Mortgage Cadence, Access, Word, PowerPoint, R, CMSI, JIRA, Salesforce, Hyperion, QuickBooks

Professional Organizations

Global Association Risk Professionals (GARP)

The Conference Board

Consumer Bankers Association

OCC Credit Roundtable

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