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Management Manager

Woodside, New York, United States
November 29, 2017

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718-***-**** •

Client-facing risk management professional and project manager with 14 + years of international credit risk management expertise in commercial & retail lending, mortgages, capital markets, and

(re) insurance; poised and confident presenter with natural abilities to engage an audience, manage expectations and objections, and ultimately communicate value to a variety of audiences spanning C-Level and LOB staff.

U.S. career highlights: Worldwide subject matter expert in commercial and SME lending, and mortgages (IBM, Provenir-fintech). Principal builder of credit risk management department for an Arch Capital Group Holdings (ACGL) insurance affiliate. Member of Credit Committee and subject matter expert in credit risk management providing support to Board of Directors. EXPERIENCE

Provenir New York, USA

Senior Credit Risk Specialist 3/2016 – 11/2016

- Serve as a subject matter expert for the North American sales team. Areas of expertise include credit approval and risk decisioning processes for commercial, SME, mortgage, CRE, auto, P2P, mortgage, retail lending, factoring, payment processing, KYC, KPI, collateral management and market risk.

- Provide consulting services on rapid underwriting processes to clients and prospects in fin-tech industry, especially alternative lenders and financial services companies.

- Support pipeline building initiatives by providing in-depth market research, participating in conferences, and contributing to fin-tech blog focusing on automation and disruptions in the lending market.

- Prepare responses to the RFP/RFI and creation of customized collateral.

- Conduct face-to-face software demonstration to customers and prospects.

- Provide company thought leadership in credit risk decisioning and management.

- Collaborate with senior management on customized client offers and pricing strategies for US and EU markets.

IBM Risk Analytics New York, USA

WW Senior Credit Risk Specialist 4/ 2013 – 3/ 2016

- Supported worldwide sales teams as a pre-sales consultant and subject matter expert on credit

(commercial, SME, CRE, mortgage and retail), market risk (measures, pricing models, and various product types and asset classes) and liquidity risk.

- Served as a specialist in the following areas: transformation management, single view of risk, loan origination and approval workflows, end to end credit lifecycle, commercial lending products, exposure aggregation, counterparty risk and profiles, limit management, risk appetite, governance, collateral management, covenants management, fundamental analysis, financial spreading, credit analytics, credit-aware workflow tools, stress testing (CCAR, DFAST, PPNR), treasury, and regulatory requirements.

- Conducted face-to-face and remote client meetings, customized demonstrations, proof-of-concepts, workshops, discussions and training sessions. Demonstrate expertise in articulating the business value of complex analytics and software solutions in simple, clear terms and examples.

- Prepared responses to Requests For Information and Requests For Proposal. Create customized documents and marketing materials for initial sales engagements.

- Collaborated with product management group on commercial lending product enhancements, including: reporting and dash-boarding capabilities, business intelligence tools, advance financial spreading capabilities, peer group comparison, and counterparty record enrichment.

- Supported pipeline initiatives by providing in-depth worldwide market research, identifying target accounts, analyzing prospect business profiles and prepping sales team to the meetings. Arch Capital Group, Inc. New York, USA

Credit Risk Manager 2/2009 – 4/2013

- Established credit risk department through enterprise-wide identification of credit exposures and procedures, recommendation of best practices, and portfolio management for various business units.

- Managed and completed high profile projects for Board of Executives, including: PIIGS exposures, approved banks list, alternative collateral vehicles, take-over prospects, automation of approval process, bankruptcy portfolios and global expansion.

- Designed credit risk management infrastructure to create efficient support for business units, which involved negotiating million dollar contracts with top tier research providers and developing automated templates (with cash flow modeling, EDF and VAR capabilities) to enhance quality, streamline work flow and improve in-house credit rating system.

- Conducted credit audits on Arch’s high credit risk business units and perform credit risk assessments on counterparty transactions (commercial loans, CRE and mortgages) for various business units.

- Provided credit risk representation for Board of Directors, Credit and Reinsurance Steering Committees.

- Gave full credit risk management support for satellite operations in the United Kingdom, South Africa and Australia.

- Trained junior staff in credit risk assessment of counterparties for transactions and audit purposes. AIG Global Risk Management New York, USA

Credit Risk Analyst 2/2007 – 2/2009

- Prepared credit recommendations and presented domestic and international multi-million dollar bilateral credit requests, including watchlist transactions to senior management.

- In conjunction with AIG Credit Risk Committee assisted in authorizing multi-billion dollar transactions, including various insurance product lines, unsecured credit exposure products, reinsurance and captives.

- Monitored portfolios of Fortune and Global 500 large corporations and mid-size companies.

- Provided full back-up support to senior portfolio manager and conducted analyses on AIG counterparties. Duties included: spreading financials and forecasting; assessing the creditworthiness of the counterparty; and a transaction structuring.

- Worked closely with underwriting, actuarial, treasury and legal teams to approve transactions timely and efficiently.

WestLB AG/Credit Risk Management New York, USA

Credit Risk Analyst, Consultant 8/2006 – 1/2007

- Analyzed risk-relevant parameters, financial projections, models, collateral appraisals and independent engineers’ reports to assess multi-billion dollar project finance, bilateral and syndicated transactions up to $2 billion. Types of transactions included commercial, CRE loans and FX limits.

- Collaborated with domestic and international sales teams, loan administration, agency and documentation group, Credit Risk Management headquarters in Düsseldorf, Germany, agent banks and third-parties to approve transactions.

- Monitored domestic and international corporations in industries including financial institutions, real estate, infrastructure, transportation, mining and metal, power, oil and gas and commercial. Fortis Bank Poland S.A. (Fortis) Brussels, Belgium - Warsaw, Poland Credit Risk Analyst/ Underwriter 7/2005 – 7/2006

- Analyzed and provided complex credit recommendations to the Local Credit Committee in Warsaw, Poland and the International Credit Committee in Brussels, Belgium for transactions including high- leverage multiple-currency bilateral and syndicated loans, buy-outs, mergers and acquisitions, project finance, derivative lines (foreign currency, interest rate, commodity and emission allowance), CRE loans, mortgages, ease lines and commercial paper valued up to €1 billion.

- Monitored portfolio flow of Pan-European large and mid-size corporations.

- Made credit decisions with authority of up to 10% of approved exposure on the counterparty contingent on creditworthiness, quality of collateral, overall exposure limits and adequate credit ratings.

- Structured transactions and worked closely with international and domestic relationship managers, treasury, market risk, loan administration, legal and special situation teams.

- Gave Basel II compliant ratings to international and domestic corporations, financial institutions and specific sectors.

- Participated in the development and implementation of credit risk tools.

- Monitored and controlled provisions and recoveries of the Bank.

- Trained and reviewed the compliance of a team of four junior credit risk analysts. Bank Pekao S.A. (UniCredit Group) Milan, Italy - Warsaw, Poland Credit Risk Analyst 11/2003 – 6/2005

- Leader of a junior analyst team, responsible for the quality of financial statements input to workflow credit assessment system and gathering overall exposure on UniCredit counterparties.

- Analyzed and monitored creditworthiness of large and mid-size counterparties from various industries and local governments.

- Assisted credit committee and the board of directors to authorize syndicated and bilateral transactions, including CRE loans of up to €800 million.

- Coordinated the credit technical prolongations for corporate client centers from the Central Eastern Europe region.


Warsaw School of Economics: Post MA in Finance and Banking 2006 University of Gdansk: MA in Economics and International Development 2003 Completed Advanced Corporate Credit training at Unicredit Group, Fortis and West LB AG

- Global Association of Risk Professionals (GARP) 2007 – Present

- Professional Risk Managers’ International Association (PRMIA) 2007 – Present

- Risk Management Association (RMA) 2007 – Present

- New York Society of Security Analysts (NYSSA) 2008 – Present

- Risk and Insurance Management Society (RIMS) 2010 – Present APPLICATION/PACKAGE EXPERIENCE:

Moody’s: KMV, RiskCalc+, Credit Edge+, LossCalc, RiskFrontier, Risk Analyst, Risk Advisor, Risk Origins; Standard and Poor’s: Credit Risk Tracker, Capital IQ, Credit Health Panel; Thomson Reuters’ TRSL; IBM Algo Credit Manager, IBM Algo ARA, IBM Cognos, IBM BPM, IBM Filenet, ECM Documentum, nCINO, Provenir Platform, Provenir PRISM. Understanding of SQL, R, SAS, and Python.

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