Summary
Overview
Work History
Education
Skills
Volunteer Work
Timeline
Generic

Brian Cowley

Herriman,UT

Summary

Finance professional with extensive experience specializing in financial risk assessment and collateral management. Demonstrated success in contract negotiation and team leadership, resulting in notable efficiency improvements. Skilled in regulatory compliance and stakeholder communication, contributing to strategic initiatives that enhance operational performance and mitigate risks.

Overview

21
21
years of professional experience

Work History

Director of Collateral Management

Morgan Stanley
South Jordan, Utah
06.2022 - Current
  • Assess and mitigate financial risks related to counterparty exposure, market volatility, and liquidity.
  • Analyze complex financial instruments, and ensure adequate collateral to cover exposures.
  • Navigate complex regulations and ensure compliance with reporting and documentation requirements.
  • Negotiate with counterparties to secure favorable terms and resolve disputes over collateral calls.
  • Lead a team of analysts, managing workflows, and implementing systems for efficiency.
  • Facilitate stakeholder communication to align project objectives effectively.

Mortgage Loan Officer

Homie Loans
South Jordan, Utah
05.2020 - 02.2022
  • Evaluated clients’ financial profiles, including income, credit, and debt, to assess loan eligibility and recommend suitable mortgage products.
  • Guided clients through the mortgage application process, ensuring clear communication of terms, rates, and regulatory requirements.
  • Ensured compliance with federal and state regulations, including Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA).
  • Collaborated with underwriters, appraisers, and title companies to streamline loan processing and meet closing deadlines.
  • Monitored market trends, interest rates, and lending guidelines to provide clients with competitive loan options.
  • Maintained accurate documentation and client records, adhering to organizational and regulatory standards.

Mortgage Loan Officer

Aspen Hills Mortage
Herriman, Utah
04.2017 - 05.2020
  • Delivered strategic training to manage five Loan Officers and ensure timely pipeline management.
  • Achieved over double year-over-year volume increases while streamlining processes to minimize costs.
  • Established partnerships with the largest national wholesale lender, reducing processing times by fifty percent.
  • Provided exceptional customer service through market analysis and prompt solutions to enhance customer value.

AVP - Finance & Affiliate Contracts

CIT Bank
Sugarhouse, Utah
09.2013 - 02.2017
  • Established and maintained contracts valued at ~$300M, ensuring performance management and regulatory compliance.
  • Prepared financial analysis presentations for Board of Directors and Senior Leaders.
  • Designed automated solutions that enhanced productivity across multiple bank functions.
  • Created cross-functional data solutions to optimize efficiency in various banking operations.
  • Transformed Cash Management database, reducing processing time from 16 hours to 1 hour.
  • Streamlined transactional review reports from PeopleSoft, saving several hours each month.

Manager, Affiliate Management/Financial Analysis

American Express Banking Corp
Taylorsville, Utah
03.2011 - 09.2013
  • Managed forecasts, budgets, and general ledger activity for approximately $375M in bank servicing expenses.
  • Collaborated with compliance, operational risk, and business partners to assess risks in key processes.
  • Directed database and reporting overhauls, partnering with developers to enhance reporting efficiency.
  • Presented forecasts, budgets, and compliance reports to executive leadership for strategic decision-making.

Business Analyst & Operations Manager

American Express
Taylorsville, Utah
06.2007 - 03.2011
  • Coordinated staffing resources for 8 Workforce Management staff and over 300 Customer Service representatives.
  • Developed and distributed financial and volume reports to Senior Business Leaders.
  • Established relationships with marketing and other key partners to enhance collaboration.
  • Leveraged technology to improve forecasting and staffing processes.
  • Participated in community events for Junior Achievement of Utah, promoting financial literacy.
  • Conducted financial and staff forecasting to ensure optimal resource allocation.

Actuary/Research Consultant

State of Utah
Salt Lake City, Utah
04.2004 - 06.2007
  • Forecasted financial and tax rates for $500M - $1B Trust Fund.
  • Presented budgetary and tax rate forecasts to Department and Legislative committees.
  • Assessed economic risks associated with Unemployment Insurance program.
  • Managed database requests and wrote SQL code to extract data for reporting.
  • Oversaw IT projects, including budget requests, vendor performance, and resource allocation.
  • Coordinated nationwide State Unemployment Insurance Conference for representatives from all 50 states.

Education

MBA - Master of Business Administration

Utah State University
Logan, UT
06-2010

Bachelor of Science - Economics

University of Utah
Salt Lake City, UT
06-2003

Skills

  • Financial risk assessment
  • Collateral management
  • Regulatory compliance
  • Contract negotiation
  • Market analysis
  • Team leadership
  • Financial analysis
  • Stakeholder communication
  • Data analysis
  • Excel
  • Accounting principles
  • Financial and operational reporting
  • Database management
  • Financial Statements Comprehension

Volunteer Work

Mountain West Chamber of Commerce: Chairman of the Board, and Treasurer

  • Built and cultivated relationships with Business Leaders, Community Leaders, and Government Leaders.
  • Understand current issues facing leaders and provide solutions and tools.
  • Set and implement strategic initiatives and priorities based on financial analysis and member feedback to build membership and value.
  • Analyzed and presented monthly and yearly financial statements including P&L and Balance Sheet.

Junior Achievement and Big Brothers Big Sisters of Utah

  • Taught elementary age students financial literacy, economic improvements and how they relate to the workplace and their cities.
  • Coordinated CRA events with Junior Achievement of Utah and Big Brothers Big Sisters of Utah.
  • Volunteer of the Year Award.

Timeline

Director of Collateral Management

Morgan Stanley
06.2022 - Current

Mortgage Loan Officer

Homie Loans
05.2020 - 02.2022

Mortgage Loan Officer

Aspen Hills Mortage
04.2017 - 05.2020

AVP - Finance & Affiliate Contracts

CIT Bank
09.2013 - 02.2017

Manager, Affiliate Management/Financial Analysis

American Express Banking Corp
03.2011 - 09.2013

Business Analyst & Operations Manager

American Express
06.2007 - 03.2011

Actuary/Research Consultant

State of Utah
04.2004 - 06.2007

MBA - Master of Business Administration

Utah State University

Bachelor of Science - Economics

University of Utah

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