Business Analyst Risk Management

Carlos Franco

Petaluma, CA ***** 707-***-**** ***********@*****.*** LinkedIn

FINANCIAL ANALYST BUSINESS ANALYST CREDIT RISK MANAGEMENT

Ample experience in Credit Risk Management, Operational and Third Party Risk Management, Credit Risk Reporting, Internal Auditor, and Business Analyst with banking, and mortgage industries. Strong analytical skills, detail oriented, and effective at coordinating inter-departmental production of reports as well as prioritizing projects and job activities. Advanced use of MS Access, Excel, PowerPoint, SQL, SAS Programming and Tableau Dashboards to automate production of reports. Bilingual English/Spanish.

CORE COMPETENCIES

Financial Analysis Business Analysis Credit Risk Management 3rd Party Risk Management Credit Reporting

Data Analysis & Reporting Internal Auditing Project Management Program Management

PROFESSIONAL EXPERIENCE

U.S. Bank Corp., Minneapolis, MN

Senior Financial Analyst – AVP – Credit Card Finance 2023 – 2023

Worked closely with Marketing department to model and forecast financial results for new credit card campaigns. After forecasting IRR (internal rate of return), NPV (net present value) and other financial metrics for each campaign, it could be determined if approving or canceling the campaign to avoid bank losses.

MUFG Union Bank, N. A., (Acquired by U.S. Bank), San Francisco, CA 2007 – 2023

Business Analyst / AVP / Associate – Operational Risk Reporting, (2018-2023)

Managed timely collection of key operational and third party risk data from a variety of sources and systems and perform risk data aggregation to produce report visuals (tables, charts, graphs) to support top management, examination officers, regulators, and Tokyo Home Office.

Collaborated with IT Dept. in the migration and separation of records (by using Tableau) to U.S. Bank and MUFG Bank to comply with existing migration agreements and avoided monetary penalties.

Coordinated with various departments to reduce production of quarterly operational and third party risk management reports from 3-4 weeks to less than one week.

Business Analyst / AVP / Associate – Credit Risk Reporting, (2010-2018)

Designed, Developed, optimized and produced monthly Line of Business (LOB) reports for Commercial Banking, Wealth Markets, and US Wholesale Bank (Union Bank + MUFG Bank) by converting MS Access reports to SAS and SQL environment. This reduced production time from days to hours and provided more accurate and timely information to senior management.

Designed and produced monthly Risk Rating Migration report for several departments at the bank which allowed better monitoring of problem loans that could have meant tens of millions of dollars in losses to the bank.

Provided Credit Risk related Ad-Hoc reports as requested by other departments. Several of these reports created more than 90% approval among recipients and became regular monthly or quarterly reports.

Additional Titles: Financial Analyst - Basel II Commercial Credit Department

PRIOR EXPERIENCE

Capital One - GreenPoint Mortgage, Novato, CA Sr. Business Analyst

California Savings Bank (Acquired by U.S. Bank), San Francisco, CA Internal Auditor

First Republic Bank, San Francisco, CA Assistant Credit Administrator

California Bank & Trust (Former Sumitomo Bank of California)

Credit Risk Management Officer / Data Analyst - Commercial Credit Administration Dept.

EDUCATION & CREDENTIALS

Master of Business Administration (MBA), Emphasis in Finance & International Business

University of San Francisco (USF), San Francisco, CA

Bachelor of Science (BSc), Industrial Engineering

Pontificia Universidad Javeriana (Jesuit University), Bogota, Colombia

Completed all required Base SAS programming courses at UC Berkeley to get the UC Berkeley’s SAS Certificate. These courses included: Introduction to SAS, Advanced SAS Programming, SAS Graphing and ODS System, Statistical Analysis using the SAS System, and Data Mining using SAS Enterprise Miner.

SAS Enterprise Guide and SAS Enterprise Miner classes taken at the SAS Institute.

Appraisal procedures and Analyzing operating expenses courses taken at the Appraisal Institute.

Analyzing personal financial statements and tax returns course taken at RMA.

Business lending cash flow analysis courses.

MS Office 2007 & 2010: Excel, Access, Word, PowerPoint, Adobe Writer, Visio, Siebel Analytics, and Business Objects. Tableau Dashboards training.

Contact this candidate