SVP/Market Credit Director Resume Example

Directed credit risk, compliance, BSA/AML, loan review, workout, restructuring, asset / portfolio management for Advantage Funding, a $460M subsidiary of Macquarie Bank. Enhanced compliance requirements for anti-money laundering and Fair Credit reporting through service automation. Worked in tandem with the CEO, CFO and key management to facilitate the sale of Advantage Funding to Sterling National Bank. Upon completion of the sale, I was recruited to join Sterling National Bank. RESULTS:  Reorganized the loan underwriting process between credit and sales that improved turnaround to 4 hours on transactions less than $250,000 and 24 hours on those up to $1MM, which resulted in an enhanced competitive edge evidenced by an increased volume of loan transactions.  Enhanced compliance requirements for Anti Money Laundering and Fair Credit reporting through system automation

I was initially hired by Sovereign Bank as Vice President of Risk Management. In that position for one year, I was advanced to Senior Vice President / Director of Operations. In 2009, Sovereign Bank was acquired by Santander Bank and I was asked by Santander's senior management to join them in the same capacity I held at Sovereign. Senior Vice President / Director of Operations - SANTANDER BANK & SOVEREIGN BANK (2003-2017) Senior Executive with full operating responsibility for the organization's Commercial Equipment, Vehicle Finance, Small Business Banking and Aviation Divisions ($3.8 billion in volume.) Maintained decision-making authority within the areas of credit risk, finance and cost management, operations, collections, workout, asset remarketing, recruitment and staff develop-ment, due diligence and technology. With eight direct reports, managed a multi-site environment. Minimized risk across the organization's business lines by partnering with key stakeholders to identify and analyze operational risks, develop risk mitigation strategies and strengthen internal controls. Developed and implemented governance reporting for specialty, small CONTINUED…George F. Chablis - 2 - RésuméPROFESSIONAL EXPERIENCE WITH SANTANDER / SOVEREIGN BANK (continued) business, SBA and aviation business lines, which provided comprehensive Key Risk Indicator (KRI) and Key Performance Indicator (KPI) metrics. Launched an aggressive reengineering of existing risk management operations guiding business units to positions as leading financial performers among comparable industry groups during a severe economic downturn as measured in terms of asset quality, inventory and efficiency ratio. Appointed by corporate management to co-chair a Small Business Asset Management Committee, the decision-making group for day-to-day asset quality initiatives. Served as a key member of the executive management team to collaborate on strategies to grow portfolios while maintaining asset quality and cost containment. RESULTS:  Delivered unprecedented results, reducing delinquency trends for Commercial Equipment & Vehicle Finance from 1.62% to 13 basis points, Small Business Banking from 6.09% to 75 basis points and Aviation from 1.42% to 23 basis points.  Reversed charge-off trends for Commercial Equipment & Vehicle Finance as a percentage of the portfolio from 1.63% to 14 basis points, Small Business Banking from 6.09% to 1.48% and Aviation from 4.19% to 8 basis points.  Reduced operating expenses 12% in fiscal year 2013 through vendor consolidation.  Executed sales of non-performing / distressed assets during 2Q 2015, resulting in a 28% reduction in loan classifications.