Credit Risk professional with 8+ years of experience in commercial underwriting, sponsor risk oversight, and enterprise risk governance. Proven leader serving as Reviewer-in-Charge, mentoring junior staff, and driving vendor management while delivering data-driven insights that strengthen credit decisions and align with institutional risk appetite.

PROFESSIONAL EXPERIENCE

Plano, TX
Senior Associate

• Lead sponsor-level credit risk oversight for $500B+ multifamily portfolio.

• Developed 5% UPB liquidity threshold benchmark for high-risk reviews.

• Spearhead cross-functional reviews with underwriting, asset management, and legal.

• Serve as subject matter expert for sponsor financial disclosures and SREO policy.

• Drive quarterly high-risk/high-value sponsor reviews for $2B+ pipeline deals.

• Present risk assessments to senior credit committee.

• Built Tableau dashboards to enhance portfolio-level risk transparency.

McKinney, TX
AVP, Credit Risk Analyst

• Managed credit surveillance, underwriting quality, and policy compliance across commercial and CRE portfolios.

• Served as Reviewer-in-Charge for portfolio-level credit reviews, coordinating third-party vendor engagements.

• Reviewed credit memos, risk ratings, collateral structures, and covenant compliance for $1B+ in aggregate commitments.

Remote
Credit Underwriter

• Underwrote conforming and non-conforming residential mortgage loans per Fannie Mae and Freddie Mac guidelines.

• Evaluated borrower creditworthiness across income, asset, and collateral criteria, managing a $20M+ monthly pipeline.

Plano, TX
Collateral Analyst II / Collateral Underwriter I

• Achieved top 1% ranking among underwriters with <3% error rate.

• Managed pipeline, completing an average of 12 new files daily while maintaining compliance with lender requirements.

EDUCATION

University of Iowa – Iowa City, IA
Bachelor of Arts, Communication Studies

CORE COMPETENCIES & TECHNICAL SKILLS

Credit & Risk Management:

• Commercial Credit Underwriting

• Sponsor Risk Oversight

• Counterparty Risk Governance

• Cross-Functional Collaboration

• Change Management

Operational Excellence:

• Process Improvement

• Policy Development

• Workflow Optimization

• Compliance Management

• Vendor Relations

Analytical & Strategic Expertise:

• Portfolio Stress Testing

• Data-Driven Risk Decisioning

• Personal Financial Statement and SREO Review

Technical Skills:

• Credit Underwriting Models

• Business Intelligence Tools (Tableau Dashboard Creation & Risk Reporting)

• Data Analysis and Reporting