XIONG VANG (TOM)

Evaluated and underwrote highly complex and higher credit requests of $500M to $10MM across a variety of industries and risk profiles for Wealth and Private Bank customers.

• Conducted rigorous financial and data analysis resulting in a 50% decrease in layered risk borrowers in 2 years, mitigating potential financial risks.
• Assisted with BSA, AML, and KYC procedural rewrite and system enhancements, resulting in increased efficiency, accuracy, consistency, and cost savings.
• Spread personal and business financial statements using IAT (Income Analysis Tool) to analyze, evaluate, and verify global cash flow.
• Effectively mitigated risk and developed efficient workflow while managing a $1B+ annual pipeline portfolio, resulting in a 30% increase in portfolio size from 2018-2021.
• Optimized compliance practices by surpassing company and Federal thresholds, maintaining a 2% margin below the prescribed limit of 6%.
• Established and maintained strong relationships with business partners, resulting in exceeding service-level agreements along with receiving business partnership appreciation emails and gifts.
• Boosted customer satisfaction scores to 97% through efficient credit decision-making and clear communication with customers and business partners.
• Participated in a project to overhaul the existing credit policy and procedures website resulting in a business-wide increased efficiency and positive employee morale.
• Achieved a 30% improvement in efficiency by participating in system enhancement projects and a revamp of the Underwriter Credit Memo template, resulting in exceeding daily production goals by 40%.

Evaluated and underwrote highly complex and higher credit facilities up to $5MM for business (commercial) and consumer Private Bank clients and Law Firm Associates and Partners.

• Evaluated and analyzed credit reports, covenants, and financial statements to meet risk criteria, resulting in zero loan delinquency rate.
• Spread personal and business financial statements using MRA (Moody's Risk Analysis tool) to analyze, evaluate, and verify global cash flow.
• Achieved top producer award in 2014 by managing a monthly pipeline portfolio of over 100 customers with a turnaround time of less than 48 hours for credit decisions.
• Improved accuracy of credit decisions and error rate by 50% through detailed analysis of creditworthiness, cash flow, forecasts, and industry trends in 2014.
• Established effective partnerships with private bankers and sales managers, leading to recognition for exceeding service levels and increased customer satisfaction surveys.
• Successfully secured senior leadership's approval for a high-risk borrower with a 45% DTI (debt to income) ratio by addressing the policy exception and risk mitigation, resulting in increased loan portfolio and revenue.

Evaluated and underwrote home mortgage loans and lines of credit requests for consumer customers. Also, served as back-up Work Director and ran, compiled, printed, and discussed trend analysis of production, quality, and compliance reports with management.

• Improved production numbers by 10% by coordinating daily workloads with management and Underwriters.
• Implemented improvements based on problem areas identified through daily report analysis, resulting in 85% positive customer satisfaction surveys.
• Trained, coached, and provided second-level reviews to lower-level underwriters, resulting in a 50% reduction in errors, increased daily production numbers, and improved compliance with governmental controls and regulations.