Timothy T

V.P., Lead Risk Analytics Consultant

Wells Fargo • Fulltime

Feb 2015 - Nov 2025 • 10 yrs 9 mos

• Provided analytical support and subject matter expert knowledge to user community, senior management and internal Corporate Credit Services team members to help improve the auto, cards and retail services, small business lending portfolio monitoring with an emphasis on data quality, trends, and reconciliation. • Facilitated monthly and quarterly business meetings with line of businesses to manage production issues, discuss any upcoming accounting changes, portfolio conversions, and quarterly release enhancements. • Partnered with accounting in reconciling variances between General Ledger and Credit Risk by gathering explanation and documentation of recon items in excess of 1%. • Wrote sql queries for month-end production validation, data aggregation, management or audit requests, and ad-hoc requests. • Actively participated in monthly production load calls and weekly workstream meetings by certifying and processing data quality reports, flash reports, providing comments and updates on issues. • Ensured all issues are organized, prioritized, and actively worked in a queue and resolved. • Ensured all changes to production data was tested in UAT first and completed change requests using change management control and tracking requirements. • Led quarterly release enhancements for ETL and DQE by developing line of business and internal business requirements definition (BRDs) and data quality rules. Ensured release schedule remained on track, managed testing for applicable parties by requesting test files or mocking data as needed, sign-offs were received from approvers and documents delivered to reviewers, and release summary notes communicated to users after implementation. • Led various projects, communicated strategy to business partners and obtained resources to work on initiative. • Participated in Business Continuity Planning (BCP) testing such as Loss of Facility exercise. • Provided training, support, and work direction to junior analysts.

Senior Credit Risk Analyst

Santander • Fulltime

Sep 2010 - Feb 2015 • 4 yrs 5 mos

• Designed, developed, and delivered high-impact monthly and ad-hoc risk reports under aggressive deadlines in Microsoft Excel, PDF, and PowerPoint for top executives and board committees identifying key company performance and early warning indicators including capture rates, fico distribution, delinquency, losses, profit, and variance analysis • Analyzed portfolio trends and summarize potential exposure for risks and opportunities utilizing Microsoft SQL Server, pivot tables, charts, graphs, macros, and writing monthly comments • Monitored business origination and performance metrics by product types Auto, Unsecured and Personal Loans, and Dealer Lending • Completed and validated credit risk tolerance statement metrics (RTS) for performance standards • Analyzed third party data such as Experian data to determine subprime, near prime market trends and comparison to other auto lenders • Assisted with completing annual budget and quarterly Bank of Spain reports • Supported and interacted with User Acceptance Testing (UAT) to validate data for production • Continually strived to refine, automate, standardize processes and reports where possible to provide consistency, usability, and accuracy • Built effective working relationships with departments, team members, and all levels of management to accomplish company objectives • Provided training, support, and assistance to less experienced team members