Credit professional with expertise in risk management, underwriting, and high volume processing centers. Extensive experience managing scorecard implementations, and developing and monitoring credit policies and procedures for various credit products including credit cards, home equity loans and lines, automobile loans, and personal loans and lines. Keen ability to balance risk management priorities with market dynamics and commercial needs. Exceptional negotiating skills and ability to manage vendor relationships. Thrive in a dynamic environment with ambitious goals; proven record motivating teams to exceed expectations. MBA.