Terrence S. Tolliver
Credit Risk Manager, Consumer Lending
Kansas City, MO · (816) 555 0123 · name@example.com · linkedin.com/in/terrencestolliver
Key Qualifications
EXPERIENCE
Eleven years in consumer credit risk, four managing a risk team
INDUSTRIES
Regional commercial banking, consumer and automobile lending
SPECIALTIES
Underwriting criteria, credit scorecards, probability of default modeling, loss forecasting
SYSTEMS
Moody's Analytics CreditLens, Snowflake, Tableau, Python
CREDENTIALS
Financial Risk Manager through the Global Association of Risk Professionals
EDUCATION
Master of science in statistics, University of Missouri
Executive Summary
Credit risk manager over a 2.4 billion dollar consumer lending portfolio at a Midwest bank, owning underwriting criteria, scorecards and loss forecasting. Eleven years in credit risk, with a record of tightening credit into a downturn early enough that the loss curve never caught the bank by surprise.
Signature Achievements
- Rebuilt the consumer underwriting criteria and cut annualized net losses from 1.9 percent to 1.1 percent.
- Deployed a custom application scorecard that approved 9 percent more applicants at the same loss rate.
- Tightened automobile lending criteria eight months before the used vehicle value decline and avoided an estimated 14 million dollars in losses.
- Reduced the variance between forecast and actual quarterly losses from 22 percent to under 7 percent.
- Built the current expected credit losses model for three consumer portfolios and cleared model validation with no material findings.
- Cut manual underwriting referrals by 31 percent by adding decision rules that held approval quality steady.
Professional Experience
Credit Risk Manager, Consumer Lending
Heartland Union Bank, Kansas City, MO 2021 to present
Leads five analysts covering a 2.4 billion dollar consumer, automobile and home equity portfolio.
- Owns underwriting criteria, credit policy exceptions and the consumer scorecard suite.
- Produces the quarterly loss forecast and the current expected credit losses reserve inputs for the finance team.
- Monitors probability of default and loss given default performance against model expectations and recommends recalibration.
- Presents portfolio risk and concentration trends to the credit risk committee each month.
- Reviews fair lending outcomes with compliance to confirm criteria changes do not create disparate impact.
Senior Credit Risk Analyst
Blue River Financial Bank, Overland Park, KS 2017 to 2021
Analyst on a consumer risk team supporting a 900 million dollar loan book.
- Built vintage and roll rate analysis that drove criteria changes on personal loans.
- Backtested scorecard performance and reported score band results quarterly.
- Supported the allowance for credit losses calculation with segmentation analysis.
Credit Analyst
Kaw Point Savings Bank, Kansas City, KS 2015 to 2017
Analyst supporting consumer and small business credit decisions at a community bank.
- Reviewed applications against policy and documented approval recommendations.
- Tracked Fair Isaac Corporation credit score migration across the portfolio.
- Prepared monthly delinquency and charge off reporting for management.
Licensure and Certification
Financial Risk Manager, Global Association of Risk Professionals, 2019
Education
Master of science in statistics, University of Missouri, 2015
Bachelor of science in economics, University of Kansas, 2013
Core Skills
Underwriting criteria · Credit scorecards · Loss forecasting · Probability of default modeling · Current expected credit losses · Portfolio segmentation · Fair lending review · Team leadership · Python analysis · Committee reporting