Extensive experience in risk analysis and
management. Particular strengths in performing risk analysis of local,
regional, and national markets in both secured and unsecured products.
Demonstrated abilities to offer creative and sometimes contrarion
perspectives that have led to significant value added solutions.
Successful track record as a manager, improving productivity, reducing
costs and losses, while maintaining staff morale.
WORK EXPERIENCE
Providian financial (PVN)
MSA (unsecured) market trend/risk analyst San Francisco, CA 2000–2002
Implemented credit risk Market Analysis Framework with detailed
benchmarking criteria, enabling management to make strategic decisions
responsive to changes in MSA trends and risk levels.
Created quarterly MSA report, accurately categorizing all MSAs
according to their risk levels, enabling customization of underwriting
criteria for specific markets.
Produced an on-line national MSA snapshot illustrating
demographics as well as the most recent economic, and market forces.
Results: 1) Instant comparison of MSAs, enabling real-time risk
management and maximization of marketing opportunities, and 2) Enabling
senior management to maximize marketing opportunities.
MSA (secured) market trend/risk analyst
Pleasanton , CA 1993- 2000
Identified the necessary macro/micro economic trends that have
greatest impact on local real estate conditions, resulting in the
consistent management of MSA risk throughout the country.
Tracked and analyzed market trends and made recommendations,
resulting in changes in underwriting criteria and noticeably improving
company profitability.
Traveled to numerous critical real estate markets for firsthand
appraisal of risk, achieving a hands-on assessment of risk to
appropriately alter lending guidelines and practices.
Appraisal Vendor Manager San Ramon, CA
1990–1993
Re-engineered the in-house appraisal department to manage
national fee appraisal panel by implementing reviewing process and
support functions. Results: Standardized procedures and significantly
improved productivity.
Developed feedback management tools to enhance competitive
incentives to appraisal fee panel, reducing turnaround times by 50%.
Pioneered and tested unique in-house appraisal/review products,
reducing production costs by 30% and serving as an industry model.
Provided feedback to Corporate Credit on the impact of current
economic conditions on local real estate trends, enabling senior
management to make strategic changes in lending policies.
Home Savings of America
Assistant Branch Manager Campbell, CA 1990-1990
Promoted to Assistant Branch Manager due to outstanding
performance as Chief Appraiser.
Excelled in assessing property risk associated with mortgage
loans.
Appraisal Manager Mountain View, CA 1985 – 1990
Managed numerous appraisal departments throughout the peninsula
region, dramatically reducing both audit exceptions and departmental
turnaround times.
Successfully managed and trained an ever changing staff of
appraisers, while (1) improving turnaround time and reducing audit
exceptions, and (2) maintaining excellent team spirit.
Leading a team of 5 appraisers, inspected, under intense time
constraints, hundreds of properties throughout the South Bay Area after
the Loma-Prieta earthquake. Results: Successfully provided upper
management with immediate damage assessments, enabling them to take
appropriate emergency action.
PRIOR EXPERIENCE
Touring Professional Tennis Player, ATP
(Association of Tennis Professionals)
Member of the ATP, competed regularly on tour around the globe
for three years.
EDUCATION
Bachelor of Arts in Communication: Organizational
Communications (Management)
PEPPERDINE UNIVERSITY, Malibu, CA
