Nicholas J. Crnic
Des Moines
Summary
Professional with strong expertise in analytics, well-prepared to drive impactful insights and strategic decision-making. Skilled in data analysis, statistical modeling, and data visualization, ensuring accurate and actionable results. Valued for collaborative approach, adaptability, and consistent achievement of team goals. Known for reliability and ability to meet evolving business needs effectively.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Senior Risk Analytics Consultant
Wells Fargo Home Lending
08.2022 - Current
- Presented actionable insights and recommendations to senior management, derived from multivariate regression model, influencing key decisions on business strategy.
- Assisted with with development of the pricing optimization tool which used elasticity percentages that optimized Wells Fargo’s mortgage prices to increase profitability.
- Governed Gain on Sale forecasting model for WF home lending, wrote MDD (development document), created the Performance Monitoring Program, performed implementation testing and stress analysis.
- Developed and maintained fully automated dashboards using Tableau desktop and Tableau server.
- Reduced risk by adhering to model risk management governance and policies.
- Extracted data by writing SQL queries to pull data from Microsoft SQL server.
- Developed Processing Fee's model that compared our Processing Fees to competitors and out put the Processing Fees for mortgages using a weighted average calculation and Std. Deviation control charts to determine the appropriate fee amount in each state.
- Developed and maintained multiple fully automated online dashboards using Tableau.
Adv. Fin Analytics Consultant
Wells Fargo Home Lending
02.2020 - 08.2022
- Developed a Quantitative Risk Rank 3 elasticity model using Regression Analysis that estimates the impacts of price changes on market share and locked loans for Retail Home Mortgage products to assist with pricing and optimization of Home Lending products in-order maximize profitability
- Designed and developed using Tableau a fully automated online dashboards that provide business intelligence for multiple business partners
- Created using Tableau the competitive data Consumer Direct weekly report that provides intelligence on Consumer Direct and Distributed products volume by dollars, NRV and market share for management and senior leaders
- Point of contact for the Correspondent Channel weekly and monthly competitive data, ad-hoc reporting and analyzing and presenting results to middle and upper management during the pricing team calls
- Manipulated data using complex queries or calculations in SQL and Tableau, to provide sophisticated reporting for management and senior leaders
- Managed risk by ensuring controls were in place to ensure the accuracy of reporting and have been involved in the mapping and Competitive Data Database update
Bankruptcy Specialist 2 & 3
WELLS FARGO BANK
06.2018 - 02.2020
- Analyzed bankruptcy plans by reading and interpreting entire case dockets to determine if an objection to the plan was needed and to resolve discrepancies among payment terms
- Calculated mortgage arrears by analyzing mortgage ledgers, trustee ledgers, and creditor pay history to ensure we were receiving accurate payment amounts from trustee
- Developed professional relationships with bankruptcy attorneys, trustees, other legal counsel and bankruptcy court personnel.
- Reconciled escalated accounts from the POC and Pay History teams and solved discrepancies between creditor, plan and trustees payments,
Bankruptcy Specialist (Contract Position-placed through Robert Half)
WELLS FARGO BANK
10.2017 - 06.2018
- Analyzed mortgage ledgers, trustee ledgers, and creditor pay history to ensure we were receiving accurate payment amounts from trustee
- Resolved escalated accounts from the POC and Pay history teams and solved discrepancies between creditor, plan and trustees payment amounts by analyzing plans, POC’s, and trustee ledgers
- Made recommendations on the BNKC escalated account process to help improve efficiency and accuracy of the process
- Was a valuable team member by always helping when asked and wanting the best for every member of the team
Loan Serving Specialist 2 (Contract Position-placed through Palmer Group)
WELLS FARGO BANK
07.2012 - 01.2013
- Researched tax authority’s websites to determine if homeowners were delinquent on taxes
- Processed large amounts of checks in a detailed and time sensitive environment
- Used Microsoft Excel, Access and ESO to complete entire check processing process
- Disbursed tax payments to tax authorities and set up escrow accounts on delinquent accounts
Financial Advisor
EDWARD JONES
01.2011 - 01.2012
- Analyzed investments and client financial needs in-order to determine the best financial strategies
- Made investment recommendations based on data describing historical trends
- Created and interpreted financial reports to clients and monitored portfolio performance
- Met with clients to perform financial needs analysis to make appropriate investment recommendations
- Made 25 contacts per day to potential and existing clients by phone, in person, by email and mail
Education
Post-Graduate Certificate - Artificial Intelligence And Machine Learning
University of Texas At Austin
Austin, TX05-2025
Master of Science - Business Analytics
University of Iowa, College of Business
Des Moines, IA05-2020
Bachelor of Science - Management
Iowa State University, College of Business
Ames, IASkills
- Advanced Excel
- Python programming
- SQL
- Machine Learning
- Quantitative Model Development
- Predictive modeling - Bagging & Boosting, Clustering, Neural Networks
- Tableau expertise
- Pandas, Numpy, Tensorflow, Keras, Matplotlib, Seaborn
Certification
- Financial Industry Regulatory Authority - Series 7 License, 01/01/11
- Financial Industry Regulatory Authority - Series 66 License, 01/01/11
Timeline
Senior Risk Analytics Consultant
Wells Fargo Home Lending
08.2022 - Current
Adv. Fin Analytics Consultant
Wells Fargo Home Lending
02.2020 - 08.2022
Bankruptcy Specialist 2 & 3
WELLS FARGO BANK
06.2018 - 02.2020
Bankruptcy Specialist (Contract Position-placed through Robert Half)
WELLS FARGO BANK
10.2017 - 06.2018
Loan Serving Specialist 2 (Contract Position-placed through Palmer Group)
WELLS FARGO BANK
07.2012 - 01.2013
Financial Advisor
EDWARD JONES
01.2011 - 01.2012
Post-Graduate Certificate - Artificial Intelligence And Machine Learning
University of Texas At Austin
Master of Science - Business Analytics
University of Iowa, College of Business
Bachelor of Science - Management
Iowa State University, College of Business
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