SUMMARY

Over 14 years of experience as an innovative professional with a strong emphasis

in problem solving, risk analysis and progressive approaches. Demonstrated abil
ity to effectively exceed personal goals and implement highly visible projects.
Detail oriented, with a proven ability to successfully contribute to company obj
ectives. Noted for positive rapport with co-workers and teamwork.
PROFESSIONAL EXPERIENCE
Statistical Analyst - 2009 to Present
Third Federal Savings and Loan, Cleveland Ohio
System Administrator of automated underwriting system. Conduct adhoc analysis an
d reporting. Develops, maintains, enhances analytical and statistical reports. S
upports Risk Management by providing feedback on the statistical and analytical
results.
* Automated monthly reporting package to be completed in one day versus the prev
ious standard five days. This accelerated delivery to Senior Management in revie
wing portfolio results.
* Completed training on SPSS reporting software
* Completed training on Blaze Advisor
Business Systems Analyst III - 2003 to 2009
PNC (previously National City Bank)
Decision Engine Technology Administrator
Responsibilities : Tree logic maintenance and coding. Business line support, rep
orting and projects related to decision technology.
* Completed over 180 project requests over a 5 year period.
* 2008
* Implemented dual score pricing and credit strategies for all consumer loans pr
oducts
Participated in project design and coding for new automated underwriting system
Blaze and Capstone decision accelerator
* 2007
* Recommended and implemented auto decision efficiencies for Home Equity Line pr
oduct. Increased decision efficiency by 14% from 55% to 69%.
* Recommended and implemented auto decision efficiencies for Home Equity Loan pr
oduct. Increased decision efficiency by 20% from 45% to 65%.
* Instrumental in the design and implementation of new blank check feature for A
uto loan product.
* Influential role in the implementation of automated line assignment process fo
r unsecured products.
* Instrumental in the implementation of new regulatory adverse action letter ass
ignment process.
* Recommended auto decision efficiencies for unsecured product. Increased decisi
on efficiency by 4% from 68% to 72%.
* Instrumental role in the implementation of new scorecards for Consumer busines
s line.
* 2006
* Recommended and implemented new logic for Auto product. Increased decision eff
iciency by 12% from 43% to 55%.
* Recommended auto decision efficiencies for Mortgage Division. Increased decis
ion efficiency by 24% from 47% to 71%.
* 2005
* Assisted with EDS Loan Operating System upgrade which resulted in Underwriting
efficiencies for loan booking process.
* Upgraded Automated Underwriting System StrategyWare platform from NT to XP.
* Implemented new score models from Trans Union that provided more accurate scor
es in predicting risk.
* Implemented new fraud alert codes from credit bureaus for Consumer business li
nes.
* 2004
* Recommended and implemented auto decision logic for Marine product. Increased
decision rate by 20% from 5% to 25%.
* Recommended and implemented new auto decision logic for RV product. Increased
decision rate by 20% from 7% to 27%
* Created performance reporting of decision trees to monitor trends and provide
analysis for business lines.
Senior Credit Analyst - 1999 to 2003
MBNA America Bank
Responsible for analyzing credit data to determine degree of risk involved in ex
tending credit.
* Diverse Lending experience which included positions in Consumer Sales Finance
Acquisition, Unsecured Credit Acquisition, Credit Retention, Fraud, Credit Acti
vation and Credit Line Increase in Consumer Loan Division.
* 100% success rate of achieving or exceeding monthly goals that included credit
decision quality, peer development, paper work accuracy and quality service sta
ndards.
* Identified automated call message system for Credit Activation department that
increased Analyst productivity.
* Recommended automated call message system for Credit Activation department tha
t was implemented and increased Analyst productivity.
* Assisted in education and training of new credit analyst.
* Created reporting for credit retention department.
* Assisted with retention efforts through cancel calling of sales partners Apple
, Lending Tree and other Financial Institutions. Responsibilities also included
success rate reporting.
* Awarded Platinum Artist title with 10 projects implemented in 2001.
* Achieved excellent or higher rating in performance reviews every year.
* Increased bank balance outstandings by 11 million dollars through cancel group
sales and credit retention efforts
Mentor - 1997 to 1999
MBNA America Bank
Team leader in customer service department responsible for peer development, edu
cation and morale. Facilitated education of new-hires and representatives. Resol
ved most challenging customer service inquiries in credit card division.
* 100% success rate of achieving or exceeding monthly goals that included peer d
evelopment, monetary adjustments, paper work accuracy and quality service standa
rds.
* Assisted in development of manager training manuals for Customer Service depar
tment.
* Awarded Business Leader in five different months.
* Achieved excellent or higher rating in performance reviews every year.
Customer Service Representative III - 1996 to 1997
MBNA America Bank
Resolved customer service inquiries. Ensured that customers received prompt, pol
ite, and efficient service. Performed financial adjustments with accounts. Assis
ted and facilitated education of new hires.
* 99% success rate of achieving or exceeding monthly goals that included moneta
ry adjustments, paper work accuracy and quality service standards.
* Performed peer interviews for hiring process of new representatives.
* Achieved excellent or higher rating in performance reviews every year.
SKILLS
* Business Objects Crystal Reports, MS SQL Server 2008, Problem Solving and Inno
vation
* SQL, SPSS, Training and Mentoring
* Reporting and Report Creation, MS Word, Productivity Analysis
* Fair Isaac StrategyWare, MS Excel, Credit Analysis
* Fair Isaac Blaze RMA, Sales Experience, Efficiency Analysis
* Fair Isaac CapStone DA, Customer Service Experience, Technology Implementation
& Testing
EDUCATION
Cleveland State University 1993-1996
Major course of study in Communications.
North Ridgeville H.S., North Ridgeville,Ohio 1991