At VyStar Credit Union, I lead enterprise credit risk analytics for a $10B loan program spanning nine portfolios, including auto, mortgage, HELOC, and commercial lending. I designed the organization’s first enterprise credit risk dashboard, now used monthly by 25+ executives.
I own monthly charge-off and recovery reporting and support CECL allowance modeling for an average $150M monthly reserve using PD, LGD, EAD, point-in-time analysis, SQL, Excel, and Moody’s Impairment Studio. I reduced reporting cycle time by 50% through automation and helped improve allowance precision by reallocating excess CRE reserves toward higher-risk impaired commercial loans.
Previously at Crown Castle, I built Power BI and Power Automate tools to track a $2M+ annual budget and developed strategic recommendations from financial modeling and sales data. I hold a STEM-credentialed Master of Analytical Finance from Emory University and a Mathematics degree from Spelman College.
