Josean Ramos Figueroa

S

ASSOCIATE PORTFOLIO MANAGEMENT & OVERSIGHT

SANTANDER BANK N.A

Dec 2018

- Part of the bank ALLL team, task include model runs for the Commercial portfolio reserves and provisions. Responsible for implementing macro-economic statistical models for the recognition, measurement and forecast of credit losses for the bank credit portfolios. Lead ECL model developers for reasonable and supportable allowance calculations. Understand and defend ACL results to various levels of management, regulators and internal/external auditors.

SR. CECL OFFICER

Banco Santander

Oct 2018 - Current (6 years 7 months)

- Responsible for implementing macro-economic statistical models for the recognition, measurement and forecast of credit losses for the bank credit portfolios. Lead ECL model developers for reasonable and supportable allowance calculations. - Understand and defend ACL results to various levels of management, regulators and internal/external auditors. of the bank ALLL team, task include model runs for the Commercial portfolio reserves and provisions.

S

RISK MANAGER, AVP

SANTANDER BANK N.A

Oct 2016 - Oct 2018 (2 years 1 month)

- Selected participant for a 2yr SLoD rotational program across the Risk organization. Given the chance to build enhanced knowledge and skills across the Risk discipline to build a well-rounded personal profile and to expand career opportunities. Selected participant for a 2yr SLoD rotational program across the Risk organization. Given the chance to build enhanced knowledge and skills across the Risk discipline to build a well-rounded personal profile and to expand career opportunities. *Third rotation in Solvency Risk - Part of the bank ALLL team, task include model runs for the Commercial portfolio reserves and provisions. *Second rotation in Market Risk - Trading - Part of the top of the house market risk organization, providing gove

CREDIT RISK MANAGER II - ANALYTICS, AVP

Banco Santander

Dec 2015 - Oct 2016 (11 months)

- Business Banking analytics lead, involved in different activities such as data mining, analysis, management reports, loss forecasting and presentation preparation for the senior staff and risk committee. - Strategy development participant, leading the analytics support and senior judgment for current/new endeavors. - Leading and/or overseeing credit scoring/risk rating model development and BB transformation projects in support of key risk strategies Developed, business line specific, triggers and limits for KRI’s in accordance to the OCC heightened standards RAF Business Banking analytics lead, involved in different activities such as data mining, analysis, management reports, loss forecasting and presentation preparation for the senior

S

CREDIT RISK MANAGER II - ANALYTICS

SANTANDER BANK N.A

Sep 2014 - Nov 2015 (1 year 3 months)

- Retail portfolio analytics lead, involved in different activities such as data mining, analysis, management reports, loss forecasting and presentation preparation for the senior staff and risk committee. - Experienced point of contact for the development and monitoring of the scorecards used by the retail credit risk division. Retail portfolio analytics lead, involved in different activities such as data mining, analysis, management reports, loss forecasting and presentation preparation for the senior staff and risk committee. Experienced point of contact for the development and monitoring of the scorecards used by the retail credit risk division.

PORTFOLIO RISK ANALYST III

Banco Santander

Mar 2013 - Aug 2014 (1 year 6 months)

Responsible for the management of the small and medium enterprises (SME1) risk portfolio, involved in different activities such as data mining and analysis, reports and presentation preparation for the senior staff and risk committee. Involved in the development and monitoring of the scorecards used by the credit risk division. Proactive participation on tools to track advance credit risk metrics (PD, EL, Cost of Credit) with the goal to better assess the risk and profitability. Developed business growing strategies with the use of statistical software R.

PORTFOLIO RISK ANALYST

Banco Santander

Mar 2010 - Feb 2013 (3 years)

Responsible for the management of the consumer loan risk portfolio, involved in different activities such as data mining and analysis, reports and presentation preparation for the senior staff, risk committee and board of directors. Involved in the development and monitoring of the admission and behavior models for the different portfolios assigned to the credit risk division. Developed algorithms for the calculation of the advance risk metrics (PD, LGD) in order to keep track of the risk exposure and capital consumption.

U

Professor

Universidad Del Este

Sep 2009 - Nov 2009 (3 months)

Teached undergraduate students' mathematical concepts.

P

Research Supervisor

PREMUR REU

Jun 2007 - Aug 2007 (3 months)

Worked as supervisor of a 3-member undergraduate research group under the PREMUR REU program. Research consisted of an algebraic curves analysis and a cryptosystem algorithm implementation. Results were presented in San Diego AMS convention.

Teaching Assistant

University of Puerto Rico

Sep 2006 - Mar 2009 (2 years 7 months)

Teached undergraduate students pre-calculus and calculus courses.

Josean Ramos Figueroa

About

Detail

Contact Josean regarding:

Timeline

Résumé

Languages:

Josean's behavioral traits
Josean's likely patterns of behavior, thought, values, and emotion. Based on the HEXACO model, OCP instrument, and Torre’s own research.