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Kevin Willey is an effective, disciplined, cost-conscious senior level Credit Risk Manager that is highly motivated, performance-driven, an analytical thinker and innovative trouble shooter with extensive Consumer and Commercial Lending experience. He provides and implements expert credit decisions while taking on the highest level of responsibility and developing unique credit solutions that fit the complex and specific company goals with proven results. CAREER HIGHLIGHTS -- Dynamic risk manager of highly complex, multi-disciplined, integrated teams, well-versed in credit and financial analysis, project management and portfolio risk assessment strategies. -- Dramatic improvements in cost controls and risk mitigation achieved by leveraging extensive financial analysis acumen and credit risk management industry knowledge. -- Sophisticated financial analysis skill set and strategic modeling providing the foundation for results by developing solutions to complex risk challenges and credit policy control demands.
KEVIN J. WILLEY Sugar Hill, GA 30518 Home: (770) 932-9057; Cell: (603) 566-7103 Email: firstname.lastname@example.org SUMMARY An effective, disciplined, cost-conscious senior level Credit Risk Manager that is highly motivated, performance- driven, an analytical thinker and innovative trouble shooter with extensive Consumer and Commercial Lending experience. Provides and implements expert credit decisions while taking on the highest level of responsibility and developing unique credit solutions that fit the complex and specific company goals with proven results. CAREER HIGHLIGHTS Dynamic risk manager of highly complex, multi-disciplined, integrated teams, well-versed in credit and financial analysis, project management and portfolio risk assessment strategies. Dramatic improvements in cost controls and risk mitigation achieved by leveraging extensive financial analysis acumen and credit risk management industry knowledge. Sophisticated financial analysis skill set and strategic modeling providing the foundation for results by developing solutions to complex risk challenges and credit policy control demands. PROFESSIONAL EXPERIENCE VOLKSWAGEN CREDIT Region Risk Manager (2006 – 2009); Alpharetta, GA Managed Commercial Credit Portfolio in Region (13 States) providing transparency and risk measures while identifying risk related issues, negotiating and taking proactive and appropriate risk strategies to mitigate risk and loan losses. Provided key leadership, training, problem solving and consultation to corporate and the risk team. Significant Accomplishments: Portfolio Management; Managed risk portfolio’s over $1 Billion focusing on financial analysis, stability, capitalization, liquidity and cash flow to early detect changes in credit behavior with ad-hoc reports Created Internal and Corporate Watch Lists to identify high risk credits and establish early risk mitigation Created Statistical and Trending Tools for risk analysis to detect red flags and fraud while managing and mitigating risk, improving efficiencies 25% and reducing potential dealer defaults and loan losses Consistently assessed the Strengths, Weaknesses, Opportunities and Threats within the portfolio Team Building; Developed, Coached and Mentored cross-functional Credit Teams which resulted in project implementation time reduced by 15% and overall cost savings of over $200,000 Developed Risk & Credit training curriculum for staff, mentoring and advancing high potential colleagues Process Improvement; Improved internal controls and technology to ensure credit policy compliance saving over $125,000; early detected and forecasted credit borrowers not meeting liquidity requirements Managed outsourcing of inventory audits, improving efficiencies 20% and reducing expenses $95,000 Risk Management; Reduced credit risk 18% by developing Mitigation, Workout and Liquidation plans Implemented risk assessment analysis with scoring models, stress testing portfolio and reviewing complex credit proposals; conducted forensic investigation leading to litigation and a $32,000,000 million judgment Managed several distressed dealer situations concurrently establishing Workout and Liquidation Plans saving the company over $2,100,000 million based on the decisions made …continued… Kevin Willey, Page 2 GMAC FINANCIAL SERVICES (1989 - 2006) Mastered a concentration in consumer and commercial lending (asset based) with exposure in retail/lease collections, acquisitions, portfolio management, credit underwriting, credit analysis, wholesale administration, risk management, loans (real estate, working capital, revolving, lines of credit, equipment), security instruments, strategic and project management, auditing, bankruptcy, liquidations, litigation, workouts, special assets, sales. Significant Accomplishments: Effectively conducted Credit training in Risk Policies and Procedures for colleagues rotating through respective departments and also completed annual performance reviews Supervisory Positions (1989 – 2001): Collections, Acquisitions, Wholesale, Commercial Lending, Sales Senior Commercial Lending Analyst (2004 - 2006); Duluth, GA Highly successful in analyzing financial data for large Credit/Loan portfolio of high-risk credits $1 Billion+ Provided transparency and proactively engaged borrowers while mitigating risk; highly successful integrating diverse business functions while managing risk policies and procedures within organization Identified Red Flags and recommended appropriate action to mitigate risk and reducing potential losses Mastered advanced training curriculum and endorsed lifelong learning development for colleagues Prepared and conducted monthly Threat and Opportunity meetings for management asset risk review Viewed as a mentor within the department; increased responsibilities and a challenging risk portfolio Credit Officer, GMAC Regional Office (2001 - 2004); Hartford, CT Mastered advanced risk analysis and underwriting for credit packages up to $50,000,000 million Consistently remained within critical time constraints for the completion of time sensitive Credit proposals, improving efficiency in the department by 20% Completed financial and ratio analysis to underwrite complex credit proposals within the region Built strong lasting relationships and negotiated with field colleagues providing results to regional office EDUCATION BACKGROUND University of Southern New Hampshire (Manchester, New Hampshire) MBA, Concentration: Business Administration, 2001 New Hampshire College (Manchester, New Hampshire) BA, Concentration: Business Administration, 1987 Self-funded entire collegiate education PROFESSIONAL DEVELOPMENT/TRAINING Successfully mastered and excelled in advanced Commercial areas with specialized professional Credit training that included Consumer Finance, Management Development, Financial Statement Analysis, Financial Management, Income and Balance Sheet Analysis, Commercial Portfolio Management, Risk Auditing Techniques, Negotiation, Conversions, Handling Potential Losses, Coaching For Success, Crucial Conversations, Truck and Equipment Financing, Retail/Lease Financing, Leasing, Acquisitions, Dealer Loan Analysis and Financing, Wholesale Administration, Liquidation, Risk Mitigation, Litigation, Bankruptcy, Uniform Commercial Code, ECOA, Lender Liability, Accounting, GAAP, Dun & Bradstreet, Lexis Nexis, Managing Retail Operations, Sales PROFESSIONAL SKILLS Advanced experience in Microsoft Office Suite (Excel, Word, Access, Outlook, PowerPoint, Visio, Adobe); IBM Lotus Notes; Rumba Mainframe Applications; Avanti Financial Analysis; Crowe Horwath Financial Analysis; Business Objects; NetMeeting; Share Point Intranet Tools; Salesforce
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