Management Manager

Ridgefield, CT *****

Christopher W. Martin

** ****** *****

************@*****.***

762-***-**** (C)

Organizational Value

Experienced MBA with 17 years in finance. Experienced in banking risk management and regulatory.

-14 years of financial services, financial planning and analysis, reporting and credit analysis, presentation of reports,

-documentation, written communication, data entry, math, tracking

-Basel Accord II and III

-9 years working in a bank, communicating with regulators and acquiring an understanding of the regulatory

environment with respect to the Federal Reserve Bank and SEC, implement regulations

-9 years in analysis, performing risk assessments, analytical skills, policy administration and planning

-managed portions of risk management audit reviews, documented audit findings and recommendations and

followed up on findings

-Managed multiple audits, project coordination, evaluation, scheduling, project management, multitasking

-Staff Supervision and mentored junior staff, leading staff, reviewed work, equal opportunity employment

-Work to build credible relationships with senior management and others, good interpersonal skills, teamwork

-Bachelor’s degree in finance

-Master’s degree in Business Administration

-English speaking and writing

-Strong analytical, technical, organization skills, writing skills, problem resolution, problem solving, negotiations

-Detail oriented, perform due diligence

-Ability to manage multiple responsibilities and perform well under demanding time frames

-Ability to partner with other functions to optimize results

-Consistently produce high quality work, fine- tuned to specific audience

-Self-starter/ quick learner, strategy development

-Team player, but can work independently, energetic

-Strong leadership and coaching skills

-Solid PC and system skills including Excel, Word, PowerPoint and Microsoft Access

-Software experience

Business Objects

Microsoft Access

SQL Management Studio

Group Wise

Windows

Synergy

Metavante (LOS)

Moody’s Risk Analyst

Visio

Oracle ADI

RIMS (Appraisal Software)

SQL Server 200x

Oracle Discover

AS400

Microsoft Office: Word, Excel, PowerPoint, Outlook

WORK HISTORY

Genpact, LLC, Senior Risk & Regulatory Manager

2014 – 2016

Synovus Financial Corp.

VP Manager Credit Risk Management (Promotion: 2010 – 2014)

VP Sr. Credit Risk Management Analyst (2005 – 2010)

2005 – 2014

Char-Broil, Financial Analyst

2001 – 2005

Phenix Girard Bank, Commercial and Consumer Lender, AVP

1999 – 2001

PROFESSIONAL DEVELOPMENT & EDUCATION

Standard annual financial industry training

Anti-Money Laundering (AML), Bank Secrecy Act, Community Reinvestment Act, etc.

Annual

Synovus Leadership Institute

2010

Troy University: Master of Business Administration

2005

The University of Alabama: Bachelor of Science Finance

1999

EXPERIENCE DETAIL

Sr. Manager Risk & Regulatory 2014 – 2016

Genpact, LLC

Formerly a consulting division of GE Capital: A global leader in designing, transforming and running business process operations.

Expertise:

Credit Risk Subject Matter Expert (SME) for financial institutions.

Subject Matter Expertise:

Credit Risk for Financial Institutions in North America.

Latest regulatory guidance for Financial Institutions.

Basel Accord II and III.

ALLL (Allowance for Losses on Loans and Leases).

Compliance and regulatory expertise for Consumer Mortgages and Home Equity Lines of Credit.

General knowledge of best practices for model development and model risk management.

Single point of contact for projects MRAs and MRIAs.

(Matters Requiring Attention, Matters Requiring Immediate Attention (MRIA)

Consumer Credit and Risk Analysis regarding:

Equal Credit Opportunity Act

Home Owner’s Protection Act

Fair and Accurate Credit Transaction Act

Gramm-Leach-Bliley Act

Fair Credit Reporting Act

Truth in Lending Act

Flood Disaster Protection Act

Research and data extraction with relational databases. Designed, executed queries using Basic SQL.

Consulting, Process Design & Implementation, Regulation

Developed customized framework for Loss Given Default (LGD) and Probability of Default (PD) for Expected Loss (EL) calculations financial institutions.

Ensured compliance with OCC 2011&12 Handbook, SR 11-7 and 2006 ALLL Interagency Guidance.

Developed Commercial and Consumer Credit Reporting for ALLL reporting.

Transitioned a North American Bank using Moody’s RiskCalc from 3.1 to 4.0 looking at Credit Cycle Adjusted and Financial Statement Only Expected Default Frequencies.

North American Regional Bank Consulting:

Credit Portfolio, ad hoc reporting

Developed Probability of Default and Loss Given Default Qualitative Overlays

Ensured accurate Expected Loss Calculations

Reviewed, assessed current processes and available data sets

Monitored and tested bank policies based on current bank procedures

Integrated industry best practices and offered design recommendations

Issue identification for Bank’s Loan Origination System (LOS) for new regulatory requirements.

Installed a SOX (Sarbanes-Oxley) control process for North American Regional Banks in developing data integrity checks as it relates to CCAR or stress testing, ALLL, Capital Planning, and accounting.

Client Relationship Management & Human Resource Support

Cultivated functional cross-cultural relationships between India and the U.S. teams.

Liaison to bridge the understanding of quantitative results to promote business growth with clients.

Executive client presentations: Genpact service offerings.

Mentor Junior Analyst to have a comprehensive understanding of the banking environment.

Support to recruit, hire, and train for the U.S. division of Genpact.

Results:

Clients realized the comprehensive value offered by Genpact services.

Synovus Financial Corp 2005 – 2014

VP Manager Credit Risk Management (Promotion: 2010 – 2014)

VP Sr. Credit Risk Management Analyst (Selected: 2005 – 2010)

(Managed two credit-risk analysts in both positions.)

Expertise

.

performed risk assessments and analysis

Supervised and mentored junior staff, and reviewed work

Managed multiple audits

managed portions of risk management audit reviews, documented audit findings and recommendations and

followed up on findings

Administer, manage, and troubleshoot the Moody’s Risk Analyst Software

Developed and implemented scorecards for probability of default and loss given default for commercial and industrial loans.

Analyzed financial results, economic events and their impact, Regulatory/ GAAP interpretations, risk based capital analysis (Basel III

Utilized the Moody’s Risk Analyst Software to research income producing real estate loans.

Performed sensitivity analysis on transition to dual risk rated loans to determine impact to the bank.

Managed the Enterprise Allowance for Losses on Loans and Leases (ALLL) for Commercial and Consumer.

Applied Basel II best practices in the Allowance Methodology as applicable.

Regression modeling of probability of default for the Allowance Methodology.

Loss curve methodology to determine the loss given default.

Subject Matter Expert to convert single risk rated loans to dual risk rated loans.

Developed and manage a enterprise risk grade migration analysis model.

Managed unfunded commitment analysis and ensure that the liability reserve account is adequate.

Partnered with Finance unit to ensure appropriate controls were in place for all the SOX requirements.

Solid PC and system skills including Excel, Word, PowerPoint and Microsoft Access

Work to build credible relationships with senior management and

Reporting:

Provided financial statements and other related information to the regulators such as Federal Reserve Board (FRB) and Office of the Comptroller of the Currency (OCC), investors, outside analysts and senior management

Executive reporting of consolidated analysis for Allowance for Losses on Loans and Leases.

Ad hoc analysis and executive reporting on loan portfolios regarding potential risk or growth.

Writer, analyst and reporting for narratives on Allowance for Losses on Loans and Leases for SEC quarterly and annual reporting. (10-K and 10-Q).

Writer, presenter for the enterprise Loan Policy the Allowance for Losses on Loans and Leases section.

Process Design & Implementation, Regulation:

Managed and implemented an enterprise dual risk rating project with Moody’s Analytics Consulting Group

Leader in the development of an ALLL datamart to enhance reporting of the loan portfolio

Application of Basel II best practices in the Allowance Methodology where applicable.

Partnered with Capital Management group on portfolio stress testing for an internal CCAR analysis.

Advisor for a Capital Management move to a RAROC pricing model using the dual risk ratings.

Prepared for the annual regulatory examination for Credit.

Responded to all matters requiring attention (MRA), and matters requiring immediate attention (MRIA) from annual regulatory examination results as needed.

ALLL:

Partnered closely with regulators to ensure federal and state requirements.

Responded to recommendations from annual reviews

Partner and liaison with Finance division for external auditing firm regarding quarterly and annual reserve enhancements

Results:

Moody’s Risk Analyst Software $500,000 annually in service contracts.

Char-Broil 2001 – 2005

An international leader in gas, charcoal and electric grills.

Financial Analyst

Expertise

Analyzed, prepared and presented reports for the VP of Finance and the financial staff.

Monthly financial statements (P&L and Balance Sheet)

Customer profitability

Consolidated company-wide annual financials for the holding company. Analyzed, reviewed, prepared and presented the report at the annual budget meeting.

Calculated sales commission for rep firms for the United States, Canada, Mexico and United Kingdom.

Managed brand licensing contracts and patent agreements with retail stores in the United States.

Managed the administration of monthly credit card collections for infomercial sales, including cost analysis, accounts payable and accounts receivable (AP and AR).

Phenix Girard Bank 1999 – 2001

A small community bank serving a tri-city area.

Commercial and Consumer Lender AVP:

Prepared loan analyses and made lending decisions for loans up to $25,000.

Retail banking

Procured permission from the Loan Approval Board as needed for loans over $25,000.

Analyzed small business financials, determined potential risk of lending and promoted and administered bank products.

Contact this candidate