Tom Fulton
Cincinnati,OH
Summary
Credit risk and portfolio risk management leader with deep experience supporting Wealth Management, Private Wealth Management, Ascent Private Capital Management, credit administration, credit policy, asset quality review, portfolio analytics, and regulatory risk management. Skilled at translating credit quality trends, risk indicators, delinquency movement, non-performing asset activity, and policy considerations into clear executive-level reporting and actionable risk governance.
Overview
1
1
Certification
2027
2027
years of professional experience
Work History
Credit Risk Manager
U.S. Bank
Cincinnati, Ohio
2006 - Current
- Lead portfolio risk oversight activities for Wealth Management lending portfolios.
- Monitor credit quality metrics, delinquencies, non-performing assets, charge-offs, and concentration risk.
- Prepare quarterly portfolio management reporting and executive-level risk communications.
- Partner with business line and credit approval leaders to strengthen risk governance and policy adherence.
- Drive process improvement initiatives and implementation of automated reporting solutions.
- Support regulatory risk management requirements and ongoing risk framework enhancements.
- Served as primary contact for portfolio risk management, audit support, and credit policy guidance.
- Provided portfolio analytics and reporting for senior management and regulatory initiatives.
- Supported development and implementation of Probability of Default (PD) rating methodologies.
- Contributed to Federal Reserve CCAR analysis and risk governance initiatives.
Senior Underwriter - Dealer Services
U.S. Bank
Cincinnati, Ohio
2001 - 2006
- Underwrote recreation finance transactions and managed dealer relationships.
- Trained and mentored junior underwriters.
- Supported operational improvements, workflow redesign, and credit decision processes.
Credit Department Team Leader
Security National Automotive Acceptance Corp.
Mason, Ohio
2000 - 2001
- Managed and developed a team of underwriters.
- Oversaw underwriting quality and dealer service performance.
- Supported portfolio growth while maintaining established credit standards.
Education
MBA - Accounting
Indiana Wesleyan University
Marion, IN01-2009
Bachelor of Science - Finance
Wright State University
Dayton, OH01-2000
Skills
Credit Risk Management
Credit Policy Governance
Portfolio Risk Operations
Wealth Management Lending
Asset Quality & Delinquency Oversight
Non-Performing Asset Monitoring
Key Risk Indicator Reporting
Regulatory Risk / CCAR Support
Probability of Default Rating Support
Audit Issue Resolution
Process Improvement & Automation
Executive Communication
Certification
- Certified Public Accountant (CPA), Ohio (Inactive)
Timeline
Credit Risk Manager
U.S. Bank
2006 - Current
Senior Underwriter - Dealer Services
U.S. Bank
2001 - 2006
Credit Department Team Leader
Security National Automotive Acceptance Corp.
2000 - 2001
MBA - Accounting
Indiana Wesleyan University
Bachelor of Science - Finance
Wright State University