Internal Audit Credit Risk

BENITA

WILBUR

Union Bank Employment Summary

PROFILE

I began my career with Union Bank

in 1999 as a financial auditor for

the Internal Audit Department. I

executed corporate audits, issue

validations, ongoing monitoring

programs, SOX compliance tests,

and supported external auditors. I

participated in credit exams

starting in 2011 until I fully

transitioned over to Credit Review

in 2015. I worked on both

wholesale and consumer credit

exams and joined the Consumer

Credit team where I have

monitored the Conforming Loans

and Home Equity portfolios from

2020

CONTACT

PHONE:

213-***-****

EMAIL:

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

HOBBIES & INTERESTS

Hiking and Camping

Cooking authentic Mexican dishes

Health & Fitness enthusiast

Avid Sports fan

WORK EXPERIENCE

Credit Examiner

2015–2023

Performed transactional reviews of booked consumer and wholesale credits to assess compliance with Bank policies and regulatory guidelines.

Completed process reviews of key credit functions to evaluate the adequacy of credit risk management.

Communicated verified issues to management and

obtained action plans for remediation.

Monitored HFS and HELOC portfolios to periodically assess credit risk, identify emerging risk, and liaison with key stakeholders.

Tracked credit issue updates and validated issue

remediation.

Audit Relationship Manager

1999–2014

Planned and executed audits and limited reviews of corporate departments and functions.

Presented audit reports to management and obtained remedial plans for key business issues.

Prepared business risk reports of corporate departments to evaluate and assess the adequacy of internal controls. Developed and implemented monitoring plans for

corporate departments and functions.

Completed Sarbanes-Oxley Section 404 testing, including development of test scripts, oversight of test completion, and communication of results.

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