Thaddeus Shell
Charlotte,NC
Summary
Forward-thinking and results-driven Senior Risk Manager with 10+ years of experience driving governance, control design, and risk mitigation strategies across financial services. Expertise spans first and second lines of defense, issue management, regulatory compliance, control testing, and risk/controls self-assessments (RCSA). Adept extensive experience, synthesizing complex risk data to C-level decisions and align enterprise controls with regulatory standards and business goals. Proven leadership in managing credit risk lifecycle, new product assessments, and change initiatives.
Overview
16
16
years of professional experience
Work History
Risk Manager, Review and Challenge Risk Control Self-Assessment (RCSA) team
ALLY BANK
Charlotte, NC
06.2022 - Current
- Lead governance and operational risk oversight for Credit Card and Ally Lending portfolios, including change management and risk transformation efforts.
- Conducted end-to-end Risk Assessments, proactively identifying control gaps and recommending enhancements aligned with enterprise risk appetite.
- Serve as control advisory partner, translating qualitative risk insights into actionable mitigation strategies, across product, compliance and operations teams.
- Deliver credible challenge to business risk owners. Enhancing issue sustainability and control effectiveness.
- Perform root cause analysis and trend reporting on emerging risk metrics to drive strategic control improvements and meet regulatory expectations.
Senior Credit Risk Consultant, Credit Risk Lending & Strategy Governance
WELLS FARGO
Charlotte, NC
08.2019 - 06.2022
- Spearheaded RCSA and Issue Management programs for Credit Card, ensuring end-to-end process documentation, control identification, and residual risk analysis.
- Led control design testing and sustainable resolution plans in response to audit, regulatory, and internal findings.
- Developed advanced data models in SAS to drive actionable insights for credit strategy governance, portfolio performance, and compliance risk reporting.
- Delivered quarterly risk and control reporting to senior leadership and regulatory stakeholders.
- Provided credible challenge on control efficacy and risk assessments, supporting audit and remediation readiness.
Lead Underwriter
FINANCE OF AMERICA
Charlotte, NC
05.2018 - 08.2019
- Analyzed all phases of the credit management cycle, delivering recommendations to align loan approvals with risk management standards and prevent potential losses.
- Analyzed appraisal reports, insurance, and title for construction loans, recommended strategies to minimize loss potential.
Underwriting Manager
TRULIANT CREDIT UNION
Winston Salem, NC
11.2017 - 05.2018
- Led a dynamic team to handle underwriting requests. My team supported the indirect auto and direct consumer, home equity, mortgage, underwriting consumer products including credit cards, unsecured lines and loans.
- Developed and updated lending policies and procedures, auto-decisioning strategy and in all lending functions.
- Monitored credit quality and ensure compliance with all appropriate Bank policies and regulations. Analyzed financial statements, tax returns, credit reports, historical trends, and cash flow.
- Collaborated with peer groups including Credit Union Managers/Department Heads, and frontline/support employees to ensure overall credit union objectives are achieved and to maximize performance synergy across department lines and delivery channels.
- Analyzed and crafted decisions on complex loan requests to include subordinations, loss mitigations and workouts.
- Provided leadership directly to teams of lending professionals and indirectly to other frontline managers/employees to ensure quality of work and smooth service delivery.
Lending Manager 2, Consumer Underwriting
WELLS FARGO
Charlotte, NC
07.2013 - 11.2017
- Directly responsible for leading the Credit Originations function for Credit Card, Personal Lines and Loans and Direct Auto. Accountable for ensuring quality credit decisions, oversight of internal and regulatory compliance, risk mitigation, P/L management and customer satisfaction.
- Monitored the quality control, delinquency, loss, and risk rating accuracy. Oversaw all managerial duties such as hiring, firing, setting performance standards, training, writing, and conducting performance reviews.
- Performed financial and cash flow forecasting analysis to include key financial ratios to determine debt repayment and profitability.
- Trained, coached, developed, and directed consumer loan underwriters to mitigate risk and make prudent credit decisions and maintain effective relationships with internal and external partners.
- Supervised vendor relationships and served as the point of contact with sales partners.
- Maintained appropriate records/documents under specified security control.
Lending Manager 1
WELLS FARGO
Charlotte, NC
11.2009 - 07.2013
- Managed a team of underwriters focused on Mortgage/Home Equity loans/lines applications and engaged in approving loan applications that meet underwriting guidelines and policies.
- Trained, coached, developed, and managed consumer loan underwriters to mitigate risk and make prudent credit decisions and maintain effective relationships with internal and external partners.
- Performed financial and cash flow forecasting analysis to include key financial ratios to determine debt repayment and profitability.
- Managed vendor relationships and served as the point of contact with sales partners.
Skills
- Governance & Control Frameworks
- Regulatory Compliance & Issue Management
- Operational Risk Governance
- New Product Risk Assessment
- Audit & Regulatory Exam Readiness
- Risk Control Self-Assessment (RCSA)
- Enterprise Risk Management (ERM)
- Data-Driven Risk Analysis (SAS, Excel, Tableau)
- Control Testing & Validation
- Stakeholder Engagement & Reporting
Timeline
Risk Manager, Review and Challenge Risk Control Self-Assessment (RCSA) team
ALLY BANK
06.2022 - Current
Senior Credit Risk Consultant, Credit Risk Lending & Strategy Governance
WELLS FARGO
08.2019 - 06.2022
Lead Underwriter
FINANCE OF AMERICA
05.2018 - 08.2019
Underwriting Manager
TRULIANT CREDIT UNION
11.2017 - 05.2018
Lending Manager 2, Consumer Underwriting
WELLS FARGO
07.2013 - 11.2017
Lending Manager 1
WELLS FARGO
11.2009 - 07.2013
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