CLINT NELSEN
Grimes
Summary
I am a leader with 25+ years of risk management experience in developing solutions to drive profitability and 17+ years of management experience leading teams of various disciplines. Strengths include managing people, translating analytical insights into operational tactics, and communicating with senior management. Experienced in the entire life cycle of the credit and risk management spectrum for large financial services organizations.
Overview
26
26
years of professional experience
Work History
Quantitative Model Solutions Manager – Commercial RMG
Wells Fargo
07.2022 - Current
- Manage a team responsible for commercial model implementation and automated credit decisioning for the Equipment Finance and Vendor Finance lines of business
- Lead a team of analysts that develop and deploy data driven strategy recommendations to the EF and VF commercial lines of business to meet deliverables and drive new credit underwriting initiatives
- Also manage a team of analysts that coordinate the entire data infrastructure platform that influences and leads all modeling, analytic and reporting activity along with results monitoring
- Manage all Commercial Banking Third Party vendor engagements for data/software used for modeling, analytics, and credit originations
- This work includes negotiating new contracts and re-negotiating existing contracts
- Build and maintain trusted relationships with Credit Senior Leadership.
Lead Risk Analytics Consultant – Commercial RMG
Wells Fargo
03.2016 - 07.2022
- 3rd Party relationship manager and provide ancillary support for all modeling and strategy analytics
- Assumed role as Vendor Relationship Manager for the entire COE organization for all consumer and commercial credit bureau engagements
- Work with LOB to identify and remediate SHRP issues related to credit bureau reporting and modeling activity
- Perform ad-hoc reporting and analysis on legacy portfolios as-needed
- Conduct ad-hoc analysis on credit bureau attributes used in modeling and strategy design in conjunction with modeling teams.
Credit Risk Analytics Manager – Originations Modeling, Strategy & Reporting
Wells Fargo
06.2011 - 03.2016
- Transitioned over to Wells Fargo Equipment Finance along with the acquired Wells Fargo Financial Leasing portfolio
- Lead modeling, analytics and reporting team for Wells Fargo Equipment Finance
- Leveraged advanced analytic and modeling background to enhance underwriting quality and efficiency
- Maintained model governance and regulatory compliance.
Risk Management Manager – Data Infrastructure & Model Validation
Wells Fargo
03.2011 - 06.2011
- Assumed additional responsibilities of managing a small team of data analysts tasked with coordinating efforts with technology partners and LOB partners in managing the infrastructure used in credit delivery for all WFF business units
- Developed and maintained scorecard monitoring reports used for detecting changes in application population and facilitating OCC and other ancillary audit requests
- Bolstered marketing and account management programs through coordination and on-going enhancements to the credit bureau refresh process for existing loan accounts
- Satisfied line of business’ infrastructure needs by serving as business process engineering liaison between line of business partners and technology groups to ensure projects are on task and on budget when implementing new scorecards and strategies.
Risk Management Manager – Origination Modeling & Strategy
Wells Fargo
04.2009 - 06.2011
- Manage a team of risk analysts in the ongoing development, validation and implementation of company-wide scorecards and strategies used in account origination for all of legacy Wells Fargo Financial
- Built and maintained existing origination scoring models for Wells Fargo Equipment Finance credit portfolios
- Ensure quality credit rating by engaging in internal audit and OCC reviews of scores and strategies used in each line of business.
Risk Mgmt. Manager – Collection & Account Mgmt. Modeling & Strategy
Wells Fargo
04.2007 - 04.2009
- Managed a team of risk analysts in the ongoing development, validation and implementation of Wells Fargo Financial statistical behavior scores used in collection and account management activity
- Reduced credit losses by driving initiatives for new behavior scores to enhance company’s ability to effectively collect on delinquent accounts
- Increased portfolio revenue by developing strategies that identified accounts with a propensity to use additional line of credit when granted without charging off
- Ensured operational success of new behavior scores by partnering with collection managers to translate complex analyses and insights into relevant business discussions with diverse groups of leaders and organizations.
Marketing Manager – Direct Mail Analytics & Modeling
Wells Fargo
01.2005 - 04.2007
- Lead and coached a team of analysts responsible for the marketing analytic support of Wells Fargo Financials’ direct mail initiatives that helped drive business revenue, profitability and product cross-sell
- Coordinated analytic projects related to strategic objectives disseminated from the line of business such as strategic visioning, campaign creation and marketing strategy development
- Increased cross-sell and up-sell lift by evaluating new marketing segmentation and lead management strategies using rigorous statistical methods such as logistic regression and decision trees algorithms
- Created monthly reporting packages on direct mail results and presented results to Senior Management in monthly credit policy committee meetings.
Marketing Consultant – Direct Mail Analytics
Wells Fargo
08.2003 - 01.2005
- Developed response models and provided analytical support for direct mail marketing activity in the risk management department of Wells Fargo Financial
- Led monthly direct mail campaigns and ensured their accurate and timely execution
- Drove growth initiatives for new direct marketing programs including direct mail pre-screen firm offer campaigns and ITA (invitations to apply) for existing customer cross-sell and new customer acquisition
- Built direct mail response and real-estate conversion models providing significant lift in finding more profitable leads for direct mail initiatives and reduced costs
- Performed an-hoc analytic activity to identify other areas of campaign enhancement.
Marketing Modeler
American General Finance
07.2001 - 08.2003
- Engaged in product campaign analytics & design for company-wide invitation-to-apply programs for small loan and real estate products
- Prepared and delivered analytical presentations to senior management
- Managed vendor relationships and identified areas for expense reductions and renegotiated corporate contracts saving the company hundreds of thousands of dollars per year in bureau costs
- Worked with credit bureaus and other data vendors to determine appropriate “pre-screen” criteria that identified the most predictive and profitable customer characteristics
- Created cost efficiencies by building the first in-house response model allowing company to forgo 3rd-party models.
Information Technology Analyst
John Deere Credit
06.1998 - 07.2001
- Lead computer programmer on the wholesale finance system of record for John Deere Credit
- Performed relational database activities on Oracle platform which housed all dealer information
- Responsible for maintaining legacy system of record programs using COBOL, JCL and SAS programming languages
- Worked with business line to gather requirements for system enhancements and upgrades.
Education
Bachelor of Business Administration Double Major, Management Information Systems & Marketing -
University of Iowa
Skills
- Shared Risk Platform (SHRP)
- Advanced Analytical Skills
- Experience Interacting with Senior Management
- Deep Credit Bureau Experience
- Strategic Planning
- Partnership Development
- Vendor Negotiation
- STORM Experience
- Advanced Microsoft Office Skills
- Strong Root Cause Analysis Skills
- Resource/People Management
- Contract Management
Timeline
Quantitative Model Solutions Manager – Commercial RMG
Wells Fargo
07.2022 - Current
Lead Risk Analytics Consultant – Commercial RMG
Wells Fargo
03.2016 - 07.2022
Credit Risk Analytics Manager – Originations Modeling, Strategy & Reporting
Wells Fargo
06.2011 - 03.2016
Risk Management Manager – Data Infrastructure & Model Validation
Wells Fargo
03.2011 - 06.2011
Risk Management Manager – Origination Modeling & Strategy
Wells Fargo
04.2009 - 06.2011
Risk Mgmt. Manager – Collection & Account Mgmt. Modeling & Strategy
Wells Fargo
04.2007 - 04.2009
Marketing Manager – Direct Mail Analytics & Modeling
Wells Fargo
01.2005 - 04.2007
Marketing Consultant – Direct Mail Analytics
Wells Fargo
08.2003 - 01.2005
Marketing Modeler
American General Finance
07.2001 - 08.2003
Information Technology Analyst
John Deere Credit
06.1998 - 07.2001
Bachelor of Business Administration Double Major, Management Information Systems & Marketing -
University of Iowa
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