At Frost Bank, I support Credit Risk and Underwriting teams by analyzing applicant, application, and personal loan portfolio data for lending decisions.
I monitor origination and portfolio KPIs including approval and booking rates, credit scores, DTI/FOIR, 30+/60+/90+ DPD, FPD, roll rates, delinquency trends, write-offs, recoveries, and portfolio growth. I use vintage, roll rate, cohort, and early warning indicator analysis to identify deteriorating customer segments and assess portfolio health.
I've automated end-to-end MIS reporting with Python, SQL, Alteryx, and Power BI, replacing manual Excel workflows and reducing report preparation time by 50%.
I partner with Credit Risk, Underwriting, Collections, Finance, and Business teams to validate data, investigate trends, and support portfolio reviews, regulatory reporting, and credit strategy discussions. My customer segmentation recommendations improved collection effectiveness by 10%, while SQL query optimization reduced data extraction and processing time by 30%.
