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VP in Capital Markets, Finance, Risk Management or Project Management

Charlotte, North Carolina, United States
January 17, 2018

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Josh Q. Hayden

Charlotte, NC Phone: 704-***-****




Financial Modeling Portfolio Management Risk Management

High-impact, investment and corporate banking professional with 18 years of experience executing initiatives and transactions resulting in revenue growth and cost saves. Seasoned professional with diverse experience in relationship management, project management, loan origination, risk management, regulatory and finance environments. Persevere in high-pressure environments to meet multiple deadlines, demonstrating excellent written and verbal communication skills.

Professional Experience

2016 – 2017 Wells Fargo N.A. Charlotte, NC

Contractor/Consultant Project Manager

Provide consulting services specializing in strategic financial advice and project management, covering finance, corporate & commercial loans, regulatory reporting, Basel regulations and corporate acquisitions

Currently consulting for Wells Fargo related to the GE Capital acquisition, within the equipment finance division

Managing project for initiative to decision and onboard over 1,000 vendors, lead the process through meetings, decision making, playing lead liaison between the line of business, supply chain, operations and risk mgmt. teams

Responsible for providing updates to the enterprise and Sr. mgmt. teams with weekly presentations and various reporting to keep enterprise abreast of key status metrics and identified risk for onboarding vendors and contracts

Efficiently manage very tight due dates with multiple deadlines, demonstrating a strong power of influence to get tasks done on tight turn-around timelines to ensure continued vendor service from GE Capital without disruption

Effectively use project management skills to push each 3rd party vendor through each stage involving new contracts, statements-of-work (SOW), document reviews, pricing and appropriate signatures from Wells Fargo and GE Capital executives to complete all required documentation to onboard vendors from GE Capital to Wells Fargo

Responsible for building and presenting several models and presentations to report status on each vendor, metrics on phases of each vender project, and identify key issues and concerns to notify appropriate Sr. mgmt. and executives

SQL querying for data driven reporting from Wells Fargo FACS main database, producing Sr. level mgmt. reports

2014 – 2015 PrecisionLender / Lender Performance Group Charlotte, NC

Vice President Delivery & Client Success

Responsible for delivering and implementing PrecisionLender’s loan pricing management solution directly to commercial, retail and large banks. Play a key role in interfacing with prospective and existing clients, providing high quality on- and off-site consultation, training, and support in the area of loan pricing management

Highly involved with business development and sales efforts utilizing live webinars or on-site demo’s to CEO, CFO, CLO, and other key management team members with the goal of getting a signed contract

Manage over 32 client relationships (U.S. banks) ranging in asset size from $100 million to over $10 billion

Using Basel III Advanced Approach, build financial models for each onboarded client using their risk rating loan migration results to predict a Probability of Default (PD), and appropriate credit capital and provision loss factors

Using CCAR & DFAST Stress Testing, consult with client on ROE & ROC hurdles to forecast stress-testing metrics including baseline, adverse, and severe adverse scenarios required by and submitted to the Fed. Reserve

Effectively give live on-site presentations to train large groups implementing loan pricing software to bank lenders, credit officers, loan operations, and other key management including C-suite and board members

Perform quarterly Client Engagement Reviews using for purposes of assessing and monitoring client engagement, with customer renewal rates over 95% success rate, with over $100k in upsells for 2015

1999 – 2014 Bank of America Merrill Lynch Charlotte, NC

2011 – 2014 Vice President Global Corporate & Investment Banking – Global Loan Products

Contributed as a senior officer to determine credit, funding, capital and pricing implications of a proposed deal, while ensuring an optimal risk / reward financing solution for a $200 billion book of term loans, revolvers and lines of credit to multi-national corporations and global financial institutions

Provided effective financial modeling on loan exposure ranging from $5 million to $1 billion, including projected cash-flows, pro-forma financials, collateral, covenants and pricing, to support loan approvals in all sectors

Using Basel III rules, optimized RWA & credit capital by building models to calculate regulatory credit capital and return metrics including ROA, ROC, Supp. Leverage Ratio, Liquidity Ratio, and both Basel 3A (advanced) and Basel 3S (Standardized) methods, attributing to a 25% revenue growth and 30% improvement in returns

Calculated and provided CCAR & DFAST Stress Testing & capital adequacy forecast for the banks corporate loan book, forecasting baseline, adverse, and severe adverse scenarios, submitted to the Federal Reserve

Sold over $2 billion of loans to investors to reposition the corporate loan portfolio in a more aggressive risk / reward strategy, which included facilitating with necessary parties, negotiating, pricing and reporting

Implemented strategy to hedge capital-intensive corporate loans via most cost efficient CDS, achieving a savings of $2 billion in RWA, which included loan pricing strategy, CDS pricing strategy and balance sheet impact

2007 – 2011 VP Finance Manager Global Debt Capital Markets – Fixed Income

CFO/BFO overseeing the financial status of several capital markets trading desks with over $40 billion of exposure, including a structured products desk, workout loans, and a mark-to-market (FVO) loan desk

Calculated all Basel I & Basel III RWA capital calculations for traded corporate loans and derivatives (including derivative & loan netting), rebuilt models which improved RWA and capital by 10% on $40 billion of exposure

Provided enhanced business finance support procedures for IG & HY fixed income products, including corporate loans, corporate bonds, US treasuries, CDS, equities, CDO and CLO structured products, and workout loans

Established effective price verification process on mark-to-market loans and corporate bonds, by using complex modeling, including discounted cash flow modeling and using comparable bonds and credit default swaps

Produced monthly reports, including industry market analysis, revenue trends and forecast, utilizing LoanIQ system

2005 – 2007 VP Senior Financial Analyst Regulatory Capital Reporting

Compiled capital ratios (Tier 1, Tier 2, Lev.) for inclusion into 10K, 10Q and regulatory call report filings

Forecasted capital exposure ratios for loan and lease exposure, and securities at a total firm level

Subject matter expert on regulatory capital, risk weighted assets and assisted in Basel II implementation

Line-of-business contact for RWA calculations on loan products, fixed income products, bonds, and derivatives

2003 - 2005 Assistant Vice President Enterprise Credit Risk - Portfolio Analytics

Maintained more than $50 billion in consumer loans for the credit card loss-forecasting group

Designed and implemented a credit loss model predicting future losses, used for CDS index hedges

Collaborated with team members to create quantitative models to econometrically forecast credit loss risk

Facilitated and presented a monthly econometric forecast package to department and LOB head

2001 - 2003 Analyst Consumer Credit Risk Credit Loss Forecast

Responsible for coordinating various risk forecast models and results for individual industries and products within the consumer credit card business

Optimized the entire reporting framework by automating forecast models that incorporated database integration

1999 - 2001 Intern / Analyst Consumer Credit Risk Special Asset Lending

Interned to provide business support for consumer risk management including management reporting, documentation streamlining, and process improvements for consumer special lending business


University of North Carolina at Charlotte - Charlotte, NC

Bachelor of Science in Business Administration: Management Information Systems

Technical Skills

Financial Modeling

Project Management

Visual Basic

Salesforce Modules


Database Management

Microsoft Office Suite

CRM Tools

Quantitative Risk Management

Formal Credit Training


Contact this candidate