Well-regarded professional with proven record in analyzing statistical data and financial documents, providing comprehensive assessment of overall health of financial institutions. Meticulous analyst who quickly evaluates data to accurately assess financial risk and regulatory compliance in fast-paced, time-sensitive environments. Skilled relationship manager - fluent in both English and Spanish - who is effective in engaging others to progress project goals.
Capital market trends
Risk management expertise
Cash flow analysis
Application of GAAP regulations
Variance Trend Analysis
Financial Institutions ExaminerMar 2011 to Jan 2015 Pennsylvania Department of Banking & Securities － Harrisburg, PA
Conducted examinations of financial institutions (records and operations) to verify adherence with relevant laws and regulations, including Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) rules.
As subject matter expert, conducted training, coached team members, and compiled/reported results while managing stakeholder relations.
Assessed adequacy of assets and liabilities risk management policies and practices, including liquidity and sensitivity to market risks; and net interest margin level and trends.
Assessed adequacy of institution's lending administrative and underwriting policies and practices; borrower's repayment capacity; collateral protection; collateral valuations; legal documentation; and allowance for loan and lease losses' levels and methodology.
Reviewed and evaluated quality of credits ranging from $100 thousand to $25 million, assessing the adequacy of lending practices and level of risks within the lending area of the bank.
Reviewed legal lending documents to determine adequacy of content/structure, covenants and performance/compliance with pertinent terms as well as assessing quality of administrative practices, such as disbursements, tracking of insurance, payment of taxes, request of financial information; others.
Evaluated the adequacy and strength of financial institution's corporate and capitalization structure, as well as business initiatives and future prospects.
Evaluated financial institution's practices; the adequacy of internal controls and procedures; the general character of management; and compliance with consumer protection, and safety and soundness standards.
Evaluated adequacy of audit practices and workpapers, and performed offsite reviews and analyzed audited financial statements.
Reviewed and assessed the adequacy of affiliate transactions and potential risk to the insurance fund.
Assessed the accuracy of depository institution's financial regulatory reports, and evaluated level and trends in financial performance.
Evaluated business impact analysis and risk assessment to determine if residual risk is acceptable.
Reviewed and evaluated the adequacy of the financial institution's Bank Secrecy Act (BSA)/Anti-money Laundry (AML)/Office of Foreign Assets Control (OFAC) programs, as well as Information Technology (IT) and Information Security Systems.
Assessed compliance with fair lending, civil rights laws and regulations, and the Community Reinvestment Act.
Participated and evaluated CAMELS components and other specialty areas on examinations of financial depository institutions with total assets ranging from $100 million to $20 billion.
Provided on-the-job training to less experienced staff members.
Compiled, composed, edited or proof read and evaluated comments for inclusion in final report.
Prepared final reports and drafts memos to communicate status of the examination/project.
Cited and supported apparent contraventions and violations of regulatory guidance when necessary.
Researched and gathered information from a variety of technical and regulatory materials to recommend corrective action; and explained verbally and in writing the application of laws, regulations and practices covering a technical specialty area.