PAUL A TESSIER

Rockville MD ***** 443-***-**** adu1ri@r.postjobfree.com linkedin.com/in/paul-tessier-8a9bb987 SENIOR CONSUMER LOAN ANALYST SENIOR CREDIT-RISK PROFESSIONAL QA-QC ANALYST Comprehensive experience as Consumer Loan Analyst, Business Analyst, Mortgage Underwriter, Business Control Analyst and Credit / Risk Management roles at Pentagon Federal Credit Union) PenFed). Freddie Mac, Bank of America and MBNA America. Certified in Federal Lending Regulations. AREAS OF EXPERTISE TECHNOLOGY PROFICIENCES

Influential Written and Verbal Communications Critical Thinking and Detailed Analytic Acumen Team Member and Individual Contributor Regulation and Compliance Adherence Cross-Functional Department Partner Project and Meeting Coordination Origination Database (Edge and LIS) Fannie Mae Desktop Underwriter-Freddie Mac LAS Lexis Nexis-SQL Microsoft Office: Access, Excel, Outlook, PPT, Word PROFESSIONAL EXPERIENCE

Pentagon Federal Credit Union, Tysons Corner, VA 11/2018 – 11/2022 Senior Consumer Loan Analyst (Lending Opportunities) Manage underwriting, due diligence, and sale acquisitions of bi-weekly purchases of third-party student refinance loan portfolios with over $6MM in purchases monthly.

− Responded to CFPB complaints and tracking third party Debt Buyers correspondence and resolution regarding PenFed’s reputational and compliance risks.

− Create and administer weekly and monthly reports to management on the progress of outstanding loan purchases, compliance, and complaint tracking and reviews.

− Liaison for Vendor Management processes and communication with third parties and PenFed management via conference calls, on-site visits, and email communications.

− Perform underwriting due diligence on HELOC acquisitions for accuracy and compliance.

− Respond to third party inquiries on loan remittance and auditing of sales of charged off loans. Freddie Mac, Tysons Corner, VA 12/2016 – 10/2018

Senior Business Control Analyst (LPA/LQA)

Leveraged mortgage experience to ensure requirements and use cases including Non-functional

(performance, operational and transitional) were fully developed, communicated and understood. Partnered with different teams to identify opportunities for efficiency in project planning and execution to provide the business with solutions while balancing risk appropriately.

− Coordinated with business partners to document and understand requirement needs and challenge the team to create inspiring solutions.

− Utilized project teams and stakeholders to ensure that business requirements gaps, or issues are resolved in a transparent and timely manner.

− Effectively managed and assigned efforts with the use of standard project management tools, including project work plans, issue logs, status reporting and the facilitation and documentation of effective meetings

− Worked independently while driving and managing assignments from concept through deployment/launch.

− Leveraged mortgage experience to categorize project risks and identify and mitigate new risks.

− Experience in primary/secondary mortgage market with underwriting and credit analytics.

− Analyzed, documented, developed, and managed complex business processes, thinking analytically and solved problems and worked collaboratively with key internal stakeholders, external customers, external stakeholders and matrixed teams. Continued on Page 2 PAUL A TESSIER – Page 2 of 2 443-***-**** adu1ri@r.postjobfree.com

− Project management experience using standard project management tools; collecting, writing and maintaining business requirements; maintaining action item trackers, issue and risks logs; ability to work as an influencer.

− Incorporated strong communication skills to develop and deliver presentations to multiple types of audiences and ability to interact cross-functionally and drive both business and technical discussions.

− Contacted Project Leads for project risks for discussion and coordinated meetings monthly with the management team to identify which risks were high/medium to input them in to the ERM database, Bwise.

− Managed the Single-Family Data Governance & Management Deliverables for each project regarding data movement, coordinating weekly / bi-weekly meetings with Stakeholders to update progress and set deadlines for Data Governance on project release approvals and Director signoffs for Deployments.

− Coordinated and led risk meeting between departments regarding data movements and controls.

− Provided analytical support through revision, updating, and implementation of internal control frameworks to achieve operational excellence within credit lending.

− Obtained and reviewed regulatory and agency guide changes to ensure applicable changes were made to the departmental policies and procedures and coordinated with all levels of management to achieve common goals.

− Monitored and tested effectiveness of key area controls related to credit risk control.

− Prepared documentation for the tracking, monitoring, and escalation of risk related issues to management.

− As Testing Specialist, was accountable for quality testing execution, reporting and analysis of results and participated in test script development and test design.

− Contributed to the identification of themes and trends at the front-line unit, control function and enterprise level (role is an individual contributor in the Test Execution function). Bank of America, Hunt Valley, MD 1/2006 – 6/2016

Senior Mortgage Underwriter, 1/2006-6/2016

Underwrote mortgage application in accordance with HARP Agency guidelines (Fannie Mae/Freddie Mac). Ensured fraud tools were utilized on all mortgage applications during the underwriting process.

− Reviewed underwriting escalation issues including appraisal values, etc., and provided decision back to underwriters.

− Performed quality assurance review on loan mortgages that where denied, and or approved by other underwriters. e underwriting feedback to Review an applicant's credit and financial reports and met with applicants to obtain more information about their loans and credit worthiness.

− Monitored and tested effectiveness of key area controls related to credit risk control.

− Prepared documentation for the tracking, monitoring, and escalation of risk related issues to management.

− As Testing Specialist, was accountable for quality testing execution, reporting and analysis of results and participated in test script development and test design.

− Contributed to the identification of themes and trends at the front-line unit, control function and enterprise level (role is an individual contributor in the Test Execution function). MBNA AMERICA, Wilmington, DE 6/1995 – 01/2006

Credit/Risk Manager - Judgmental Consumer Lending

− Monitored budgeted and actual expense related to the consumer lending area specifically for credit card application. Accountable for meeting both quantity and quality standards established by management regarding credit card issuance.

− Updated procedures to adhere/meet regulatory requirements related to credit card lending. PAUL A TESSIER – Page 3 of 3 443-***-**** adu1ri@r.postjobfree.com

− Modified existing processes by analyzing and resolving non-routine and/or moderately complex problems related to compliance with credit card lending.

− Analyzed credit reports for risk trends to reduce company charge-off and delinquency losses while maximizing profitability and safeguarding company assets. EDUCATION

University of Baltimore, Bachelor of Science (BS), Business: Management / Marketing