jasper brown

* Personally managed and calculated commissions on a 2 million dollar annual payroll * Grew business from 8 employees to 60 * Maintained strong relationships with clients

* Determined consumer credit worthiness * Processed loan applications * Set up new member accounts

* Reviewed customer credit card accounts * Consistently a top performer in new account acquisition * Courteously handled all customer complaints

*  Worked directly with OCC & Federal Regulators to demonstrate portfolio safety and soundness *  Managed Credit Risk on $10 Billion Dollar Home Equity Portfolio *  Developed Multiple HELOC Account Management Strategies *  Managed and coordinated large contract pull initiative to understand acquisition contracts *  Proactively mitigated credit risk for HELOC EOT/EOD *  Designed and altered Credit Policy in response to market conditions

*  Performed robust analysis for consumer loans including Mortgage, Home Equity, Credit Cards ($50 billion) *  Identified trends in metrics such as portfolio delinquency, charge off rates, new originations *  Advanced usage of database software such as Tableau, MYSQL, and Business Objects

* Data Analyst for TD Credit Card, Retail Card, and Merchant Services portfolios * Portfolio level analysis of key metrics in vintage and concentration views * Ability to identify trends in metrics such as portfolio delinquency, charge off rates, new originations * Advanced usage of MYSQL, Microsoft Excel ODBC & Pivot Tables

*  Manage Risk on Commercial lending portfolio *  Manage the commercial stress testing analytical processes *  Financial model performance testing *  Develop analyses to adequately inform management regarding commericial portfolio credit risk *  Develop analyses and information sources to ensure compliance with Dodd Frank Stress Testing Requirements. *  Industry specific model development for commercial stress testing