Open to opportunities

Sam Darandeh

@samdarandeh

Message

Risk-focused credit analyst delivering governance, compliance, and analytics to reduce losses.

United States

Message

What I'm looking for

I seek roles where I can lead credit policy, strengthen risk governance, and apply analytics to reduce losses while partnering with legal/compliance and exec teams.

I am a dynamic financial professional specializing in credit policy, risk governance, and operations analytics, with a track record of reducing losses and strengthening portfolio resilience across consumer and commercial lending.

At Axos Bank I led policy and governance initiatives that reduced credit losses 15% year-over-year, centralized credit approvals, and cut audit exceptions 30% while ensuring adherence to OCC, FDIC, and Basel III standards.

I have originated and managed loan portfolios exceeding tens of millions, implemented controls and early-warning analytics that lowered delinquencies and defaults, and built cross-functional programs and trainings to improve compliance and operational efficiency.

Experience

Work history, roles, and key accomplishments

Current

AVP, Credit Risk Management

Current

Axos Bank

Jan 2024 - Present (2 years 1 month)

Directed credit policy enhancements that reduced credit losses 15% year-over-year and led governance initiatives that centralized credit approval, reducing audit exceptions by 30%. Championed analytics to identify early warning indicators and cut delinquency rates 9% within two quarters.

Credit Policy Exceptions Regulatory Compliance Portfolio Management SQL Tableau Stakeholder Management

Account Manager / Loan Officer

SkyHills Inc.

Mar 2022 - Jan 2024 (1 year 10 months)

Originated and closed $50M+ in residential and commercial loans while exceeding quarterly production targets by 20% and grew client acquisition 35% via strategic partnerships. Implemented credit review processes that reduced default rates 18%.

Loan Origination Business Development Pipeline Management Sales Operations Client Relationship Management

Credit Operations Analyst

LendSure Mortgage Corp.

Jan 2021 - Mar 2022 (1 year 2 months)

Streamlined loan processing to improve turnaround time 25% and implemented risk assessment strategies that reduced operational errors 15%. Delivered compliance and operations training to 40+ employees, improving policy adherence 20%.