Work history
HSBC
February 2007 to the present
Senior Credit Policy and Risk Analyst
tags:
unix
• analytic skills
• excel
• problem-solving skills
• mainframe
• word
• lotus notes
• pc sas
• sas
• powerpoint
How would you describe your time at HSBC?
* Gathered data from multiple sources and performed ad-hoc analysis using SAS to adjust existing policy and create new policy including underwriting policies
* Developed loan decision strategies, score approval matrices, and approval loan amounts utilizing internal credit models, external credit bureau risk scores, demographic info, accounts receivable, and performance data
* Conducted ARM (adj. rate mortgage) reset impact analysis on unsecured loans using internal and external data
* Performed CHAID analysis for risk identifiers to use in policy which would reduce risk while increasing profitability especially during housing price depreciation and rising unemployment environment
* Summarized findings and presented appropriate recommendations to senior management
* Submitted formal detailed request, worked with technology teams to effectively implement approved changes into automated decision system, and audited pre/post implementation of these policies to avoid production incidents and ensure accuracy
* Referred to as the ???data expert??? and ???go-to??? person for the team due to in-depth knowledge of data and system processes; responsible for recognizing possible enhancements to the data infrastructure, own the change process, act as liaison between our team and the MIS teams, and communicate changes to users of the data
* Participated on variable naming committee for new attributes being added to main data mart using company standard naming conventions
* Involved in large scale system implementation projects that included many different teams in the organization (included regular meetings, providing formal requirements, auditing of new processes, and successful implementation)
* Elected by senior management as team representative for Communication Council to work directly with senior management and communicate results/coordinate feedback across the larger organization in order to improve employee engagement within the company and suggest potential resolutions
* Led a monthly Knowledge Sharing forum across business units to allow for cross-team information exchange
* Created and updated master documentation of policy changes, data set contents/changes, and system processes
* Built simulation SAS code to mimic the automated decision system policies to allow for detailed and efficient system auditing and taught other team members how to utilize the code for all policy changes... 
HSBC
March 2004 to February 2007
Credit Policy and Risk Analyst
tags:
and mainframe
• word
• unix
• excel
• powerpoint
How would you describe your time at HSBC?
* Performed analysis for geographic segmentation using the Housing Price Index (HPI) and profitability metrics such as charge-off, liquidation, APR, delinquency, and upsell
* Assemble data from multiple sources to create large monthly data set for reporting/ad hoc analysis used by team
* Responsible for developing monthly report package including results, trends, and comments submitted to senior management
* Transitioned report to international team members, reviewed their final output/comments, and provided constructive feedback
* Standardized large monthly data creation process by moving to automated production to allow for much faster creation and more efficient use of analysts??? time
* Developed and submitted SAS programs for policy analysis using Mainframe, UNIX, and PC SAS...
Aetna
September 1999 to March 2004
Senior Analyst/Business Information Specialist
tags:
excel
• sql
• access
• mainframe
• crystal
How would you describe your time at Aetna?
* Created and executed queries (mainly SQL) per customer request to extract provider/claim/member information from mainframe/Data Warehouse (including CPT/ICD-9 codes)
* Analyzed/compiled data with tools such as Excel and Access to create reports
* Analyzed output to ensure accuracy and completed projects to reduce medical costs
* Formatted and modified query results for presentation
* Participated in projects that compared reports to system data
* Consistently completed requests with very quick turn around time...
MIS Educator/Certified Nurse Assistant
How would you describe your time at Friendship Village of Schau...?
MIS Educator March 1999 ??? September 1999
* Created forms requested for use
* Updated drug information into medical database
* Transmitted medical assessments via the Internet to the Health Care Financing Administration
Certified Nursing Assistant February 1993 ??? March 1999
* Assisted residents with their activities of daily living such as bathing, dressing, and eating
* Encouraged patients to perform tasks independently
* Raised quality of life by interacting positively and compassionately
* Documented all behavior and activities in each resident???s chart...
