Management Six Sigma

DAVID S. GITSON

***-* ******* **., ********, CA *4044

949-***-**** / ***********@*****.***

PROFILE

Experienced Credit and Risk officer with extensive analytical and technical knowledge throughout lending lifecycle management. Leadership roles include Risk, Credit, and Finance. Expertise in delivering key analysis for quantified decision-making with advanced tools and technologies including Six Sigma training.

EXPERIENCE

Union Bank VP, Team Leader, Enterprise Risk Management 2010 – 2016

Portfolio Strategy, Reporting & Analysis

Supervise analytical and reporting staff focused on risk management governance

Develop key analysis for Parent, Board, governance committees, Regulators, Rating agencies

Project management of work streams focused on Basel metrics and risk related MRAs

Focus on issues related to Enhanced Prudential Standards framework, metrics, and reporting

BCBS 239 principle gap evaluation, monitoring, and remediation, Risk & Control Self-assessments

Credit Policy reporting/analysis – Early Warnings, Exceptions, Risk Migrations/Concentrations, CCAR

Wholesale (60%) and Retail (40%) Credit Risk committee portfolio performance and Origination metrics

Work with vendors internal/external auditors to develop advanced credit reporting methods

Development of data marts and processes for Risk Appetite, Early Warning triggers, and concentration risk

Analytical and Regulatory reports for FDIC, FRB, OCC, and Rating Agencies

Basel, DFAST/ICAAP/PD/LGD/EL/EAD analysis and reporting integration; Pillar III & Cat II/III reporting

Model Risk Management Governance committee member

Research emerging regulatory, Basel, Dodd-Frank issues and assess impact on credit policy

Supervise all line of business Portfolio Risk reporting and report development

Identify and implement process and technique improvements/data management and integrity

Regulatory reporting contributions to Y9-C, RC-O, RC-N, and DFAST

SAS/SQL/Python programming/analysis for regulatory/business reporting and analysis

Presentation development in Tableau, SAS Visual Analytics, and Microstrategy

Bank of America - contractor 2009 – 2009

Credit/Risk/Accounting analytics related to REO, FFIEC, TDR, SOP03-3

SQL/SAS database development for Merrill Lynch, Countrywide, and BofA distressed assets

Charge-off process system integration of legacy entities and legacy systems

Distressed asset analysis and valuation for mark-to-market accounting

3rd party vendor data analysis of geographic market trends and sale valuations

Seller pursuit and fraud hunting analytics for asset recovery/loss mitigation

Indymac Bank, FVP, Enterprise Risk Management 2007–2008

FDIC takeover/sale-2008; Established and monitored policies and framework for governance under FDIC.

Managed Enterprise Risk quantitative and analytical projects leading analytics team

Improved efficiency of Financial, Risk, Credit, Fraud modeling and oversight governance

Evaluated/validated models to maximize NPV on delinquent and modified loans

Identified opportunities to improve forecasting methods and regulatory reporting efficiency.

Developed Board, Audit, SOX presentations and addressed regulatory/compliance issues.

Portfolio KPI development, tracking, and reporting to c-level executive committees

Forecasting/modeling and cash flow analytics related to portfolio MTM, TDR, ALLL, SMR

Origination/Portfolio policy/strategy creation for Credit, Risk and Compliance

Balance Sheet portfolio analytics for Board oversight committees

Implementation of Fraud hunting technologies, tools, and processes

SAS/SQL program development including Roll Rate automation, analyses, forecasting, Pipeline and Pricing evaluations, Scorecard development and performance measurement

Warehouse lending credit/risk analytics for line of credit management and pipeline Mark-to-market pricing

Credit analytics of client MBA financials for financial statement trending and ratio analysis

GE-WMC Mortgage, VP, Enterprise Risk Management 2005–2007

Closed Division 2007; Led analytics team creating risk governance framework, scorecards;

Developed dashboards to track/report KPI for Originations, Portfolio, and Secondary Marketing

Remediate deficiencies identified in examinations/audits of risk, credit, operational processes

Architect of Fraud hunting SAS programs and process improving QC productivity 500%

Developed, tested, implemented Fraud hunting technologies from leading vendors

Bank charter conversion team member focusing on BSA/CIP/AML/SAR requirements

Created automated, empirical profitability metrics and reporting for Portfolio and Servicing

Data-driven, risk analyses of product initiatives, credit, risk, and operational policies

Credit, Compliance, Operational performance analyses to identify critical weaknesses

Credit and Operational Risk Policy strategy and development - Guidelines and Processes

Guideline/Pricing Exceptions program development in SAS leading to a 33% reduction

Built SAS models for Defaults, Prepayments, and Application scorecards

Capital Markets/Secondary Marketing analyses e.g. Hedging, Reserves, Execution

Six Sigma project reduced Investor Rejects 25%

Merit-based awards - Fraud hunting accomplishments and re-engineered Guidelines/Pricing

Acquisition, credit, and pricing analytics improving origination profitability

Identified Fraud in the retail branches by identifying operational/transactional anomalies

Analyzed, modeled solicitation, acquisition, credit, and pricing policy performance

Built pricing/policy model measuring profitability, adherence to policy, and competitors

Ford Credit (Triad), VP, Enterprise Risk, Strategy & Analysis 1999–2005

Ford divested non-captive indirect Auto division in 2004; Reported to CCO and CRO. Developed strategies for LOB origination and collection strategies; Executed initiatives resulting in above market growth rate while increasing the overall profitability. Identified and championed Fraud mitigation and recourse activities.

Supervised analytical/statistical measurement/reporting – Originations, Portfolio and Collections

Quantified relationships between applicant, Bureau, deal characteristics and profit drivers

Developed Credit, Behavior, and Loss Severity modeling for policy and queuing strategies

Developed ARIMA, Roll-Rate, and regression forecasting (success within 2% on $260MM)

Initiated and championed Six Sigma project collecting $10+MM in reimbursements

Developed, evaluated, stress-tested ROE model assumptions e.g. PD, LGD, Recovery, cash flow

Multi-channel profitability analyses and reporting for improved pricing segmentation

Evaluator and user of Austin Logistics, VINtek, Monetrics, and Sigma Analytics products

Business requirements manager for data mart development providing business rules, logic, UAT

Developed data-driven acquisition and Portfolio management strategies improving profitability

Six Sigma analytical, quantified project support for company-wide initiatives

Created Branch/Dealer locator zip code based program distributed internally and to clients

KEY BANK, VP, Capital Markets/Balance Sheet Lead Analyst 1994 – 1998

Performed securitization and balance sheet analytics for CFO and Chief Balance Sheet Officer

Supervised financial and reporting analysts in portfolio analytics and management reporting

Card, Auto, HELOC, Mortgage portfolio and securitization related analytics

Profitability and Credit analytics of Portfolio, Bulk acquisitions, and Serviced accounts

Developed Profitability, Capital budgeting, Funds Transfer Pricing, and Forecasting analyses

Forecasting of Portfolio ALLL, Default, Recovery, Delinquency, cash flow analytics

Developed timing curves for forecasting Portfolio and ABS/MBS models

Conversion and integration team member for acquisition of Champion Mortgage and Auto Finance Group including risk and operational assessments and creating portfolio reporting

Chase Financial Services, Manager, Financial Analysis 1990 – 1994

Management responsibility for Portfolio, Servicing, Financial, and Reporting analysts for credit risk, loan loss forecasting, and servicing analytics for Indirect Auto, RV/MA, Mortgage/HELOC, and Card portfolios

Performed risk due diligence of bulk portfolio acquisitions

Card, Auto, HELOC, Mortgage portfolio, securitization, and collections analytics

Collection queuing champion/challenger strategy development and testing

Collection performance management reporting and analytics

Operational quality management analytics, reporting, and process evaluation

Investor and portfolio performance reporting for Owned/Serviced accounts

Credit loss forecasting and management reporting using SAS, Roll Rates, ARIMA

Created Staffing resource allocation forecasts and staffing productivity reporting

USAF, Accounting & Finance Officer 1986 – 1989

Reporting to Base Comptroller, supervised analytical staff forecasting and monitoring congressionally appropriated base funding for Operations and Maintenance

Conducted regular training for 22 organizational responsibility center managers

Briefed organizational senior leadership on budget status and regulatory requirements

Developed bottom-up/top-down budget justifications for higher headquarters

Authored Base Budget Handbook distributed throughout the command

Improved Audit ratings from previous “Satisfactory” to “2 consecutive “Outstandings”

Served on Company Grade Officer’s Council as Treasurer

EDUCATION and TRAINING

MBA, Finance, John Carroll University

B.S.B.A., Accounting/Marketing, The Ohio State University

USAF School for Budgeting, Forecasting, Accounting

USAF Officers' Training School

Chase Bank - Applied Management Program

Chase Bank - Leadership Program “Breaking New Ground”

Chase Bank - Total Quality Management

Six Sigma Leadership & Six Sigma Methodology

The Role of the Supervisor & Team Building

Data Warehousing & Data Mining Methods

Quality Tools & Total Quality Management

Professional Development & Leadership

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