DERRICK HAWKINS
San Antonio
Summary
Risk management professional with over 24 years in the banking industry. Demonstrates expertise in assessing credit risk effectiveness and enhancing governance processes to mitigate emerging risks. Proven track record in regulatory compliance and credit analysis, contributing to sustainable business practices.
Overview
26
26
years of professional experience
Work History
SENIOR VICE PRESIDENT / CREDIT REVIEW SENIOR OFFICER
CITIBANK, NA
San Antonio, TX
01.2024 - 01.2026
- Evaluated credit risk management effectiveness at Citi, enhancing Business and Independent Risk's capability to identify, monitor, and mitigate current and emerging credit risks across Citigroup and Citibank.
- Management of regional Commercial Credit Review (CCR) Entities through quarterly Business Monitoring and periodic Reviews
- Assessed the quality of assigned portfolios and relationships, including identification and evaluation of emerging risks
- Assessed the the quality and adequacy of credit analysis and exposure analysis as well as accuracy and appropriateness of risk ratings and classifications of corporate, commercial and high-net worth relationships
- Evaluated credit risk processes and standards of assigned Review Entities, promoting leading practices and identifying opportunities for improvement.
- Assessed Business and Risk staffing levels to determine the effects on assigned Review Entities
- Prepared Credit Assessment Documents in accordance with and at the quality standards required by the FCR Manual and Review Guides
- Approved relationship-level file testing conducted by CCR Credit Risk Analysts and Guest Reviewers, ensuring adherence to quality standards.
- Evaluated the appropriateness of Corrective Action Plans resulting from Reviews or Business Monitoring, and subsequent validation of the effectiveness of the same after implementation by the Business
- Accountable for the quality and consistency of work products that include Credit Assessment Documents, Sample Rationale Documents, and CCR Reports created for the assigned Review Entities
- Assisted Credit Review Portfolio Managers, Regional Directors, and CCR Management on regional and/or global tasks
- Proactively communicated to Credit Review Portfolio Managers and CCR Senior Management of any concerns and/or emerging risks that may jeopardize the assigned Review Entities
- Appropriately assessed risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency
SENIOR VICE PRESIDENT / REGULATORY RISK SENIOR OFFICER
CITIBANK, NA
San Antonio, TX
01.2022 - 01.2024
- Assisted the Head of Confirmation of Basel Classification Review and Confirmation (COBRA) and Head of Banking Book Basel Review in executing the global Review coverage plan by leading COBRA Reviews
- Maintained effective communication with the Business, Finance, and Independent Risk to ensure a clear understanding of the implementation of US Basel requirements and associated governance processes
- Assessed the application of US Basel Rules and calculation of risk weighted asset (RWA) with an emphasis on the rules pertaining to lending and banking transactions
- Evaluated whether the Business has deficiencies in their governance and oversight that allows for incorrect RWA calculations
- Provided critical challenge of appropriateness and sufficiency of regulatory capital topside adjustments as proposed by Finance
- Evaluated the the appropriateness of Corrective Action Plans (CAP) resulting from COBRA reviews
- Provide ongoing guidance to ensure CAPs are implemented to help ensure a successful subsequent validation of the effectiveness of CAPs after implementation by the Business
- Held accountable for the quality and consistency of work products that include Regulatory Capital Assessment Documents, COBRA Capital Review Plans and Review Reports created for the assigned COBRA Review Entities
VICE PRESIDENT / LEAD WEALTH UNDERWRITER
WELLS FARGO WEALTH AND INVESTMENT MANAGEMENT (WIM)
San Antonio, TX
01.2020 - 01.2022
- Served as the most senior WIM underwriter, overseeing complex underwriting processes.
- Performed financial analysis and underwriting and structuring of complex Private Banking and Consumer relationships
- Analyzed business financial statement and tax returns
- Proficient in Wealth Management Group Credit Policies and regulatory compliance requirements while serving Commercial business and High Net Worth and Ultra High Net Worth and Family Wealth clients
- Exercised independent judgment and worked with no direct supervision
- Analyzed and underwrote complex borrower, financial, and collateral circumstances efficiently and in a timely manner.
- Developed complex credit structures and presented recommendations through verbal and written communication.
- Regularly monitored existing loan portfolio, communicated findings, and recommended solutions to management in a timely manner
- Met with clients in partnership with Private Banker in a client advisory role and in credit negotiations as needed
- Coached other members of the Credit Administration Team when appropriate
VICE PRESIDENT / CREDIT OVERSIGHT OFFICER
WELLS FARGO WEALTH AND INVESTMENT MANAGEMENT (WIM)
San Antonio, TX
01.2019 - 01.2020
- Responsible for leading, developing and implementing strategic initiatives and processes to drive company credit culture, appetite, and business performance
- Provided credit risk governance and oversight across WIM credit
- Analyzed programs, policies, and large complex credits
- Functioned as technical expert for senior management on complex issues
- Internal collaboration with business for oversight of risk management
- Developed and implemented strategies, programs, and policies with a direct and significant impact on credit risk appetite and culture
- Participated on project and virtual teams
- Advised management on ways to improve the loan review process.
VICE PRESIDENT / SENIOR EXAMINER
WELLS FARGO RISK ASSET REVIEW (RAR)
San Antonio, TX
01.2014 - 01.2019
- Performed Loan Review for every lending unit at Wells Fargo
- Evaluated the quality of assets and credit administration practices on the most complex credit relationships
- Reviewed risk rating integrity
- Reviewed loan portfolio quality for all lending units within the bank
- Verified completeness of loan documentation
- Ensured credit policy adequacy and adherence
- Functioned as examiner-in-charge of complex and sensitive exams of the business unit's asset portfolio
- Directed a team of examiners that examines the company's commercial, wealth management and special asset business units
- Interacted with line of business management and communicated RAR's findings
- Advised RAR management on ways to improve the examination process
- On occasion provided training and guidance to less experienced examiners
ASSISTANT VICE PRESIDENT / RELATIONSHIP MANAGER
WELLS FARGO CREDIT MANAGEMENT GROUP
San Antonio, TX
01.2008 - 01.2014
- Special Assets Relationship Manager
- Managed a large portfolio of complex problems loans (SBA, Middle Market, Wholesale, Asset Backed, and Private Bank/Wealth Management)
- Performed risk evaluation of problem loans
- Ordered real estate appraisals, environmental reports (Phase I, Phase II, and EDRs) property condition reports from RETEHCS
- Formulated and implemented workout strategies
- Analyzed complex business and personal financial statements
- Analyzed business and personal tax returns
- Monitored credits to ensure loan structure and pricing are consistent with Bank policy and commensurate with risk
- Credit underwriting and loan servicing
- Knowledge of Credit Policy
- Knowledge of group credit products
- Knowledge of group banking products
- Negotiated creative loans structures to meet the needs of both the customer and bank while minimizing risk exposure
- Collaborated with in-house counsel and outside counsel during litigation
- Contributed to formulating litigation strategy
OFFICER / REGIONAL CREDIT MANAGER
WELLS FARGO WEALTH BROKERAGE RETIREMENT (WBR)
San Antonio, TX
01.2006 - 01.2008
- Monitored $90,000,000 WBR loan portfolio
- Assisted with training credit analyst in other WBR office locations
- Assisted other WBR offices prepare for Risk Asset Review exams
- Performed credit analysis and underwriting
- Knowledge of Credit Policy
- Knowledge of group credit products
- Knowledge of group banking products
- Mentored, coached, and was the point of contact for less experienced Regional Credit Managers
- Worked closely with WBR Senior Director of Credit, Deputy Regional Private Banking Director, and Regional Manager in the credit approval process
CREDIT ANALYST
WELLS FARGO WEALTH BROKERAGE RETIREMENT (WBR)
San Antonio, TX
01.2003 - 01.2006
- Monitored $90,000,000 WBR loan portfolio
- Assisted with training credit analyst in other WBR office locations
- Assisted other WBR offices prepare for Risk Asset Review exams
- Performed credit analysis and underwriting
- Knowledge of Credit Policy
- Knowledge of group credit products
- Knowledge of group banking products
- Mentored, coached, and was the point of contact for less experienced Regional Credit Managers
- Worked closely with WBR Senior Director of Credit, Deputy Regional Private Banking Director, and Regional Manager in the credit approval process
COLLATERAL ASSET BASE EXAMINER
WELLS FARGO BUSINESS CREDIT, INC (WFBCI)
San Antonio, TX
01.2000 - 01.2003
- Across the Wells Fargo footprint conduct complex audits of borrowers and potential borrower's financial records for WFBCI and commercial banking credit relationships
- Ensured borrower's books and records represented sound accounting practices
- Explained bank policies and procedures to borrowers and assisted in the implementation of collateral control procedures
- Evaluated accounts receivable concentration limits
- Knowledge of Credit Policy
- Knowledge of group credit and banking products
- Assisted with training junior examiners by acting as the lead examiner while conducting collateral examinations
- Provided written reports of findings at the conclusion of each collateral exam
Education
ABD - PHD LEADERSHIP STUDIES
OUR LADY OF THE LAKE UNIVERSITY
San Antonio, TXMBA - FINANCE / ACCOUNTING
OUR LADY OF THE LAKE UNIVERSITY
San Antonio, TX08-2008
Certificate of Completion - Formal Credit Training
Wells Fargo College of Commercial Credit
San Antonio, TX10-2006
BBA - FINANCE
UNIVERSITY OF TEXAS AT SAN ANTONIO (UTSA)
San Antonio, TX12-1999
Skills
Credit risk management
Regulatory compliance
Risk assessment
Risk rating analysis
Capital adequacy evaluation
Credit underwriting
OTHER
- Credit Hero Recognition Award Winner December 2008
- On-the-Spot Recognition Award Winner July 2003
- Service Excellence Award Winner 2nd Quarter 2002
- Past Member Wells Fargo Black/African American Connection Team Member Network (TMN)
- Past Member Wells Fargo Latin Connection TMN
- Ally Wells Fargo PRIDE TMN
- Supporter San Antonio 100 Club
- Supporter UTSA Alumni Association
- Supporter UTSA Athletic Fund
- Supporter Bexar County Big Brothers/Big Sisters
- Supporter Bexar County United Way
- Supporter San Antonio Food Bank
- Supporter Junior Achievement
- Supporter Business Careers High School
- Supporter Claude and Zer Nona Black Foundation
- Supporter Youth Engaging in Leadership and Learning
- Supporter Guadalupe Cultural Arts Center
- Supporter San Antonio Area Foundation African American Community Fund
- Supporter San Antonio Area Foundation
Timeline
SENIOR VICE PRESIDENT / CREDIT REVIEW SENIOR OFFICER
CITIBANK, NA
01.2024 - 01.2026
SENIOR VICE PRESIDENT / REGULATORY RISK SENIOR OFFICER
CITIBANK, NA
01.2022 - 01.2024
VICE PRESIDENT / LEAD WEALTH UNDERWRITER
WELLS FARGO WEALTH AND INVESTMENT MANAGEMENT (WIM)
01.2020 - 01.2022
VICE PRESIDENT / CREDIT OVERSIGHT OFFICER
WELLS FARGO WEALTH AND INVESTMENT MANAGEMENT (WIM)
01.2019 - 01.2020
VICE PRESIDENT / SENIOR EXAMINER
WELLS FARGO RISK ASSET REVIEW (RAR)
01.2014 - 01.2019
ASSISTANT VICE PRESIDENT / RELATIONSHIP MANAGER
WELLS FARGO CREDIT MANAGEMENT GROUP
01.2008 - 01.2014
OFFICER / REGIONAL CREDIT MANAGER
WELLS FARGO WEALTH BROKERAGE RETIREMENT (WBR)
01.2006 - 01.2008
CREDIT ANALYST
WELLS FARGO WEALTH BROKERAGE RETIREMENT (WBR)
01.2003 - 01.2006
COLLATERAL ASSET BASE EXAMINER
WELLS FARGO BUSINESS CREDIT, INC (WFBCI)
01.2000 - 01.2003
ABD - PHD LEADERSHIP STUDIES
OUR LADY OF THE LAKE UNIVERSITY
MBA - FINANCE / ACCOUNTING
OUR LADY OF THE LAKE UNIVERSITY
Certificate of Completion - Formal Credit Training
Wells Fargo College of Commercial Credit
BBA - FINANCE
UNIVERSITY OF TEXAS AT SAN ANTONIO (UTSA)