Summary
Overview
Work History
Education
Skills
Websites
Recognition
Certification
Work Availability
Timeline
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Brendan Coons

Brendan Coons

Dallas,TX

Summary

Dedicated, results-oriented senior risk professional who is passionate about driving innovation and delivering value to the company while ensuring that risks are managed effectively. Experience in building risk focused teams, processes and procedures from scratch. Recent experience at a startup FinTech and over 10 years of commercial risk experience at Capital One and Citi.

Overview

10
10
years of professional experience
1
1
Certification

Work History

Director of Risk

Torpago, Inc.
Frisco, TX
04.2022 - Current
  • Established and oversaw application of operational risk policies, technology and tools that governed the direct to SME underwriting business.
  • Lead a team of 10+ associates in charge of the underwriting, fraud prevention, and loss mitigation functions for a portfolio of over $10M in assets.
  • Key partner for engineers in building out portfolio data used for risk management tools and analytics.
  • Presented to the board of directors, investors, and debt partners to drive key business decisions.
  • Built out the application processing and pipeline management tools which reduced application turnaround time to under one business week.
  • Developed and delivered risk training and awareness programs for employees and stakeholders, and promote a culture of risk management and accountability.

Sr Portfolio Manager, Commercial Card

CAPITAL ONE
Dallas, TX
01.2021 - 04.2022
  • Managed day-to-day operations for Credit Limit Increase program for Middle Market customers with credit exposure up to $1MM.
  • Defined Risk Acceptance Criteria and partnered with Data Science team to develop a Rule Based approach which increased underwriting efficiency by over 100% while maintaining risk effectiveness.
  • Conducted presentations to upper management and executive teams on program performance.
  • Worked cross-functionally with various members of Sales, Business Analytics, Customer Experience, and Data Science teams.

Head of Commercial Card Loss Mitigation

CAPITAL ONE
Dallas, TX
02.2020 - 04.2022
  • Established Loss Mitigation operations and built out a team of collection agents.
  • Created Loss Mitigation playbook for working out of unsecured credit exposure which was used in FY 2021 and resulted in negative net charge offs for the year.
  • Created Delinquency Management procedures which has contributed to average delinquency rate under 1%.
  • Reached out to borrowers to discuss current status and loan workout options.
  • Partnered with internal and external legal counsel to negotiate and document settlement agreements.
  • Negotiated payment relief and deferment requests with customers impacted by COVID-19 pandemic.
  • Monitored portfolio risk trends, delinquency rates, and losses to create reports for upper management.
  • Partnered with Finance and Accounting teams to ensure appropriate loss recognition and loss forecasting.

Manager, Commercial Card Underwriting

CAPITAL ONE
Plano, TX
06.2017 - 02.2020
  • Expanded cross-functional organizational capacity by collaborating across departments to expedite deal throughput for credit exposures up to $250M.
  • Led team of underwriters in high volume, fast paced environment, averaging 80 approvals per month.
  • Created "Intro to Credit" training course and delivered it to audience of 20 analysts.
  • Delivered feedback to decision-makers regarding employee performance and training needs.

VP, Commercial Credit Officer

CITIBANK
Irving, TX
03.2015 - 06.2017
  • Approved and structured C&I borrowing facilities up to $10MM for Business Banking clients with revenues up to $50MM.
  • Performed semi-annual account credit limit reviews and credit increase review requests from sales teams.

AVP, Commercial Credit Analyst

CITIBANK
Irving, TX
08.2013 - 03.2015
  • Analyzed and accurately spread financial statements of companies up to $50MM in revenues.
  • Created process for loan transfers from originations to portfolio management.

Education

Bachelor of Science - Finance

Seton Hall University
South Orange, NJ
05.2012

Skills

  • Problem Solving
  • Risk Monitoring
  • Financial Analysis
  • Account Collections
  • Microsoft Office (Excel, Powerpoint and Word)
  • Google Sheets, Google Docs and Google Slides
  • Salesforce admin
  • Bilingual (English and Spanish)
  • Trend Analysis
  • Chart development
  • Analytical and Critical Thinking
  • Active Listening
  • Decision-Making
  • Teamwork and Collaboration

Recognition

  • Achieving Commercial Excellence (ACE) - 2019
  • Citi Star Award - 2014

Certification

  • Citi Commercial Credit College - June 2013

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline

Director of Risk

Torpago, Inc.
04.2022 - Current

Sr Portfolio Manager, Commercial Card

CAPITAL ONE
01.2021 - 04.2022

Head of Commercial Card Loss Mitigation

CAPITAL ONE
02.2020 - 04.2022

Manager, Commercial Card Underwriting

CAPITAL ONE
06.2017 - 02.2020

VP, Commercial Credit Officer

CITIBANK
03.2015 - 06.2017

AVP, Commercial Credit Analyst

CITIBANK
08.2013 - 03.2015

Bachelor of Science - Finance

Seton Hall University

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