Financial Services Vice President

Dr. Sean Andrews, CPA Alpharetta, GA 216-***-**** ***********@*********.***

Senior Product Executive and Doctor of Business Administration FINANCIAL SERVICES INDUSTRY

Financial strategist consistently successful in driving growth and profitability for Fortune 500 companies including KeyBank and PNC Financial Services. Expert in risk management, finance, and product management.

Transformational business partner who excels at leading teams through complex acquisitions. Skilled at capturing value, cultivating cohesion, and creating growth through positive employee and client experiences.

People-centered leader known for communicating and operating with authenticity, versatility, and resiliency. Dedicated to assessing impact of business decisions on internal stakeholders and external community.

Doctor of Business Administration and Certified Public Accountant- Scholar-practitioner effective at linking strategy, theory, and practical knowledge to create high impact results.

Research- Developed and executed 3-year mixed method research on shelter pet welfare. Link

SIGNATURE STRENGTHS

Portfolio Management & Growth Large-Scale Acquisitions P&L Management Product Management

Revenue & Profit Enhancement Strategic Planning Cross-Functional Leadership Change Management

Talent Management Budgeting & Forecasting Regulatory Compliance

Risk Management Consumer Lending Three Lines of Defense Mixed Methods Research

PROFESSIONAL EXPERIENCE

BANK OZK (NASDAQ: OZK) Mar. 2022-current

SENIOR VICE PRESIDENT – CONSUMER LENDING PRODUCT MANAGEMENT

Leading the design and governance gating for 3-year product road map.

Providing leadership for Real Estate Platform redesign.

Analyzing existing pilot of non-Real Estate LOS

Developing wallet share and market share metrics.

Competitive and Market scan to chart product roadmap

DOCTORATE RESEARCH (WEATHERHEAD SCHOOL), Cleveland, OH 2018–2021

CO- INVESTIGATOR– DOCTORAL DISSERTATION

Academic and experiential learning including execution of 3-year research deliverable on shelter pet welfare.

Developed and executed qualitative research for 27 subjects. Methods involved semi-structured interviews and coding transcription results into key themes.

Designed and analyzed 7 years of pet shelter data toward a quantitative research deliverable. Quantitative model involved socioeconomic and organizational constructs.

Integrated mixed method approach into final dissertation toward doctorate completion.

KEYBANK (NYSE: KEY), Cleveland, OH 2015–2018

SENIOR VICE PRESIDENT – CONSUMER LENDING

Directed team of product managers with end-to-end ownership of $14B consumer lending product portfolio. Challenged to grow portfolio while managing increased volume of home equity loans nearing end-of-draw period. Worked cross-functionally to develop strategies that enabled long-term growth, diversification, and expansion.

Generated $350M+ risk-adjusted annual revenue through highly effective client engagement, product development, and business development initiatives.

Elevated organizational capabilities by launching 30+ field-based loan sales support manager positions and partnering with operations to build home equity loan management team.

Led all aspects of due diligence for consumer lending, leading to successful acquisition of First Niagara Financial Group. Drove complex system and client conversion for 300 branches across NY, MA, PA, and CT, collaborating to develop change communications and ensure retention of contracted product features.

Led creation of end of draw process to ensure regulatory compliance while achieving customer experience goals. Process included proactive communication through direct mail and outbound calls. Total client relationship guided approach while default processes where uniquely integrated.

PNC FINANCIAL SERVICES (NYSE: PNC), Cleveland, OH & Pittsburg, PA 2007–2015

SENIOR VICE PRESIDENT – CONSUMER LENDING (2010–2015)

Promoted to led team of 6 direct and 44 indirect reports managing consumer lending credit cycle, third-party origination, and risk management. Oversaw $1B P&L, $33B product portfolio, $5B annual loan volume, and $7M budget. Key member of multiple internal decision-making committees.

Built centralized loan fulfillment team for branch-channel home equity lending, improved workforce engagement, competency and client satisfaction. Boosted booking rates 15% and initial HELOC draw rates 5%.

Developed and launched fully digital funding application, which empowered clients to shop like cash buyers at automotive dealerships. Doubled auto loan portfolio ($1B to $2B) in 3 years.

Played key role in successful acquisition and integration of multiple financial institutions, expanding PNC’s footprint across Midwest and Southeast. Grew field-based sales support team from 19 to 30 over 5 years and developed and implemented new share-of-wallet initiatives.

Led cross-functional team in developing end of draw experience in coordination with marketing, default, and servicing. Established forum to execute customer centric and loss mitigation tactics.

SENIOR VICE PRESIDENT – BUSINESS BANKING (2007–2010)

Managed team of product managers responsible for $10B business banking product portfolio covering working capital lines of credit and commercial real estate loans. Conducted comprehensive market opportunity analysis and assessment, strengthening decision-making process and facilitating strategic, long-term growth.

Created field-based pricing tool for all business lending products that improved 400+ sales professional’s ability to assess loan risk and determine loan profitability.

NATIONAL CITY BANK (acquired by PNC Financial Services in 2008), Cleveland, OH Aug. 1995–Sept. 2007

VICE PRESIDENT – HOME EQUITY (2005–2007)

VICE PRESIDENT – CONSUMER LENDING CHANNEL MANAGER (2003–2005)

VICE PRESIDENT & CHIEF FINANCIAL OFFICER – DEALER FINANCE (2001–2003)

FRAUD SPECIALIST (2000–2001)

SENIOR INTERNAL CORPORATE AUDITOR (1995–2000)

EDUCATION & CERTIFICATIONS

Doctor of Business Admin Case Western Reserve University, Weatherhead School

Master of Business Admin Case Western Reserve University, Weatherhead School

Consumer Bankers Association Executive Bank School

Bachelor of Business Admin – Accounting Cleveland State University

Certified Public Accountant State of Ohio

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