Lindsay Quintanilla

Working within Enterprise Risk to manage and maintain the Risk Governance Framework, specifically for New Product Proposals, Risk Identification, and Futures Commission Merchant reporting and metrics review. Collaborating across each of the risk stripes to identify restrictions / risks raised in the new product process and raised them the CRO for consideration. Supporting the Head of Enterprise Risk Governance in policy & procedure review & updates, Bank & Board Risk Committee governance, as well as Risk Appetite metrics reporting.

• Designing and coordinating of 2nd LoD Risk New Product Approval process - tracking, reviewing and approving proposals.
• Developed an overarching Enterprise Wide Risk view of the Risk ID process - driving the 2nd LoD review and challenge process including assessing and highlighting key themes, as well as creating an aggregated view of the inventory for the Bank and Board Risk Committees.
• Part of the Risk Management Unit that owns the Futures Commission Merchant Governance process - policy review and annual updates, metrics management including reporting and annual updates, participated in the review and challenge process for the quarterly exposure reporting.
• Participate in the Risk Control Self Assessment and coordinated responses across Risk Stripes.
• Mitigate regulatory risks by adherence to heightened standards and regulations.
• Collaborating with senior management to develop strategic initiatives and long term goals.
• Hiring and managing employees to maximize productivity while training staff on best practices and protocols.

Worked directly with the Bank’s Chief Risk Officer to implement, maintain and manage the Banks Enterprise Risk Appetite Statement and associated Metrics. Worked with firmwide Lines of Business and functions to analyze, test, track and report across the key risk areas within the Bank. Accountable for ensuring proper governance for risk related issues, limits, approvals, and breaches across all the risk taxonomies; Finance, Liquidity, Capital, Credit, Market, Operational, Compliance, Models, etc. Supported the CRO with policy/procedure review and maintenance, as well as regulatory / risk reporting, issue remediation and governance.

• Designed and implemented a new tracking system for Risk Appetite Metric utilization including an escalation protocol for breaches.
• Assisted the CRO in the development of a Risk Appetite Statement for the Bank and coordinated monitoring for the associated Qualitative and Quantitive Metrics.
• Managed and maintained the Enterprise Risk Appetite Framework and Operational Risk Appetite Framework as well as several other policies and procedures - annual review, coordinating updates across each risk stripe, proposal and presentation to the key stakeholders / senior managers.
• Participated in Audit and regulatory exams - provided evidence as requested, attended meetings from kick-off to close-out, involved heavily in remediation of items assigned to the Chief Risk Officer.
• Worked closely with organizational leadership and senior managemtn to guide operational strategy.
• Developed a working month over month tracker with historical limit / metric data for regulatory use.
• Evaluated company documentation to verify alignment with regulatory requirements.

Reviewed and made credit decisions on all new mortgage loans within 48 hours of receipt. Set up and approved Mortgage Plus loans using securities backed lending and the knowledge obtained for utilizing stock and bonds to secure the loan. Prepared and completed portfolio loan annual reviews and regulatory reviews/follow-up for both United States and International Regulators. Collaborated across departments to expand my skill set and assist with Securities Backed Lending as well as Credit Card approvals.

• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
• Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
• Reviewed and verified income, credit reports and employment histories for each borrower.
• Designed and implemented new tracking system for completed loan reviews.
• Achieved Credit Risk Authority for lending of up to $2,000,000 within 1 year.
• Sustained highly effective and outstanding results with no compliance issues regularly.
• Enhanced my ability to manually underwrite both Conforming Plus and Jumbo mortgage loans.
• Developed full understanding of tax returns and self-employed income calculations.

Advanced from wire funding through processing, underwriting, and closing all types of loans. Developed the experience to process and fund complex FHA, VA, and Utah Housing loans with little to no deficiency findings. Communicated effectively with loan officers and customers to resolve problems in all areas, and developed a talent and special ability to adapt to change readily, easily, and willingly. Kept up on the ever changing guidelines, loan programs, and closing procedures.

• Delivered positive customer experiences and successful deal closures through open, constructive communications.
• Maintained checklists of required documentation and open issues affecting closings.
• Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
• 100% on time closings for all fully approved loans.
• Balanced funds for transfer as well as completed wire transfer for loan closings.
• Received Conventional Level 1 Underwriting Authority, allowing me to underwrite files without assistance.
• Enhanced organizational and time management skills to meet closing deadlines.
• Heightened ability to function well in high stress, team situations with proficiency and dedication to maintain team effectiveness.
  Awarded number 1 rating for entire division for number
• f closings/fundings, as well as for productivity in 2010.