Washington DC-Baltimore Area
I am a commercial banking leader with more than two decades of experience advancing institutional performance at the intersection of balance‑sheet risk, credit discipline, and accountable leadership. I am recognized for sound judgment in complex environments where credit quality, regulatory confidence, and enterprise stability must be protected simultaneously. I have experience in Commercial and Retail Lending, Institutional Risk Governance, Special Assets, and Strategic Portfolio Management—the disciplines that support a bank's safety and soundness and long-term resilience. I have led efforts to stabilize high‑risk portfolios, reduce exposure to criticized assets, and protect capital through disciplined underwriting, CECL‑aligned oversight, and coordinated execution across finance, risk, and operations. My leadership approach is grounded in disciplined decision‑making under constraint. I focus on identifying root causes, separating signal from noise, and establishing clear decision pathways that protect capital, maintain credibility, and preserve enterprise optionality—especially in periods of uncertainty. I maintain proficiency in advanced AI platforms, including Copilot, Claude, and related enterprise systems. I use these tools to strengthen analysis, speed insight generation, and improve decision architecture, while keeping governance standards, data integrity, and risk discipline in mind. I view AI as most effective when it augments human judgment and reinforces institutional controls. I believe influence is earned through preparation and clarity—by elevating dialogue, reducing ambiguity, and contributing to sound, durable decisions aligned with institutional priorities. I operate from a fundamental conviction: institutions outperform through people. Sustainable performance is built by developing talent, setting clear standards, and creating environments where teams can execute at a high level. My doctoral work focuses on enterprise challenges in banking, with emphasis on Agentic AI Governance, AI Policy, and Enterprise Decision Architecture—advancing how institutions strengthen governance, improve decision quality, and enhance resilience through responsible AI adoption. A fiduciary mindset guides my career, and I prioritize decision integrity, risk discipline, and enterprise accountability. I'm focused on expanding my enterprise scope, deepening my governance expertise, and building the leadership capacity needed for senior executive roles in banking.
Enterprise credit and risk leader supporting senior management and board‑level risk governance during periods of elevated credit stress. Serve as a senior risk advisor to leadership, supporting portfolio strategy, CECL considerations, capital protection, and alignment with enterprise risk appetite. Lead the resolution of $100MM+ in complex commercial loan workouts, applying disciplined credit judgment supported by data‑driven and AI‑informed analysis to prioritize recoveries, reduce portfolio losses by 15%, and protect institutional capital. Structure and negotiate customized repayment and restructuring solutions for distressed borrowers, incorporating forward‑looking cash‑flow analysis and recovery assumptions aligned with expected credit loss (CECL) principles, resulting in a 73% improvement in recovery rates. Direct the management and disposition of repossessed assets with 100% regulatory compliance, ensuring timely execution, accurate loss recognition, and adherence to examiner and governance expectations. Partner with external legal counsel on bankruptcy, foreclosure, and litigation strategies, evaluating resolution pathways and credit loss implications to accelerate timelines by 20% while maintaining strong documentation and controls. Collaborate with the Construction Finance Group to review and approve multi‑million‑dollar real estate projects, assessing underwriting quality, structural risk, and downside exposure to ensure alignment with enterprise risk appetite. Prepare and present quarterly credit and risk reporting to senior leadership, translating complex portfolio data into clear, actionable insights supporting strategic credit, capital, and reserve decisions. Integrate AI‑assisted analytics and structured decision frameworks into portfolio surveillance and workout prioritization, enhancing consistency, transparency, and governance while preserving disciplined human credit judgment.
Provided strategic and operational leadership for a 501(c)(3) nonprofit organization focused on youth development, educational advancement, and community stewardship. Led the organization with a disciplined governance mindset, ensuring mission alignment, responsible resource deployment, and measurable impact. Set the Foundation’s strategic direction and oversaw program design and execution to support academic achievement, personal development, and long‑term opportunity for underprivileged children. Developed and implemented initiatives addressing educational access, mentorship, and character development, while maintaining accountability to donors, partners, and the communities served. Directed fundraising and resource development efforts through donor engagement, grant writing, and community partnerships to sustain and expand program reach. Built and maintained collaborative relationships with schools, community organizations, and stakeholders to enhance effectiveness and scale impact. Led and developed staff and volunteers, fostering a culture of service, accountability, and excellence. Established performance measurement and outcome evaluation practices to ensure programs delivered meaningful, sustainable results and upheld the Foundation’s standards of stewardship. 501(c)(3) | EIN: 39‑3891665
Led the resolution of $300M+ in troubled and distressed loans during the COVID‑19 pandemic as leader of the COVID Impact Team, stabilizing portfolios and protecting institutional capital during a period of extreme market disruption. Directed complex repossessions, bankruptcy proceedings, and litigation coordination, partnering with internal stakeholders and external counsel to execute disciplined recovery strategies aligned with regulatory expectations. Delivered CECL‑compliant credit and portfolio reporting, translating risk exposure into clear, decision‑ready insights while coaching cross‑functional teams on disciplined risk management and recovery execution. Applied analytics‑supported and AI‑assisted decision frameworks to prioritize workouts, assess borrower viability, and enhance consistency and governance across distressed credit decisions while preserving human judgment and oversight.
Led portfolio‑level workout and resolution strategies for distressed commercial credits, strengthening asset quality and contributing to a 15% reduction in charge‑offs through disciplined execution and timely decision‑making. Directed reporting and analysis for loan quality, accrual status, risk ratings, and charge‑off recommendations, ensuring alignment with internal credit policy, regulatory guidance, and examiner expectations. Provided senior management with clear, decision‑ready insights on portfolio risk, recovery strategies, and loss mitigation, supporting informed credit actions and capital preservation. Coordinated closely with relationship managers, credit administration, and external partners to execute consistent and compliant recovery strategies across multiple asset types. Incorporated analytics‑supported and AI‑assisted decision frameworks into portfolio reviews and workout prioritization, improving consistency, transparency, and governance while preserving disciplined human credit judgment.
• Administered underwriting aligned with federal guidance, strengthening compliance. • Coached a team of 5, driving disciplined execution across asset recovery and portfolio management.