BRIAN K. COOK 150 Legacy Lake Lane, Collierville TN 38017 a@westpost.

net

Cell: (205) 356-8258

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Energetic Finance Manager successful at increasing revenues and profitability of a $9 billion loan portfolio. Hands on business professional with 15+ years expe rience and expertise in budget development, financial/forecast modeling, financi al analysis, and pricing analytics. History of improving operational efficiencie s, reducing costs, increasing income, and improving profitability. * * * * Financial & Forecast Modeling * Pricing Analytics & Strategy Development Revenue / Profit Optimization * Portfolio Management Budget Development * Risk Management Performance Analysis & Reporting * Mentoring & Teambuilding

Master of Business Administration * Finance * Butler University, Indianapoli s, IN Bachelor of Science * Finance & Business Administration * Indiana State Univ ersity, Terre Haute, IN PROFESSIONAL EXPERIENCE BBVA Compass: Birmingham, AL 2007 to Present Vice President, Division Finance Manager - Financial Planning & Analysis Responsible for managing the financial performance of the Retail Line of Busines s (LOB) loan portfolios. Oversee staff and the day-to-day operations of Retail F inance functions including model development and maintenance, financial analysis and reporting, budget/forecast development, and performance tracking. Other Fin ance functions include short term and long term strategic planning, LOB campaign performance analysis, and the management of pricing strategy for business bank ing, consumer direct / indirect and equity loan products within the Retail Divis ion. Partner with Marketing in establishing pricing guidelines for direct mail s olicitations and work with Business Unit Managers in developing pricing strategi es for new and existing products to achieve profitability and balance sheet obje ctives. * Improved pricing to higher credit quality customers by creating and implementi ng complex risk-based pricing models at the state level. Efforts will increase t he overall credit quality of the portfolios while increasing revenues and profi tability. * Created new pricing strategy on Indirect portfolio which increased profitabili ty by 20% and reduced losses by 150%. * Created state level forbearance models (utilizing NPV and IRR methodology) for mortgage and equity lending that decision whether to modify or foreclose a loan . Since implementation (April, 2009), 380 loans have been saved totaling $62 mil lion in balances and $9.5 million in savings. * Partnered with Product Management and Loan Operations in creating a more effic ient underwriting process for largest consumer direct loan product. Results redu ced booking time to less than an hour, decreased underwriting cost by 50%, and i ncreased profitability (ROE) by nearly 400%. BBVA Compass: Birmingham, AL 2003 to 2007 Vice President, Credit Risk Manager - Business Banking & Mortgage Banking Managed the credit risk of Business Banking and Mortgage portfolios through cred it policy, scoring models (origination and account management), and the ongoing tracking of portfolio performance. Developed multiple forecasting models to proj ect future loan losses and reduce potential impact to income statement. Ensured compliance monitoring was in place regarding operational risk in accordance with

Company and Regulatory standards. Provided monthly reporting to Executive Manag ement regarding strategic initiatives and the overall credit performance of the portfolios. * Established bankruptcy scoring at loan origination along with underwriting mat rices utilizing business/personal credit scoring to improve future loan performa nce * Implemented account management decision strategy and scoring on business lines of credit. To date, $6.2 million in losses have been saved representing 13% of total losses. * Instituted company guidelines for multiple mortgage products to expedite the u nderwriting process, improve the consistency of guidelines (scoring and underwriting) acr oss all loan products, and increase the overall efficiency of processing loan ap plications. Cinergy: Indianapolis, IN 1999 to 2003 Manager - Financial Planning & Analysis Developed both short-term and long-term forecasts for rating agency reviews and corporate development initiatives. Provided financial support to management on p roject performance, variance analysis of performance-to-forecast/budget, and mai ntained all corporate modeling of the forecast/planning systems. Worked closely with Department Managers in the development and implementation of the annual bud get and modifying monthly forecast projections based on new information and perf ormance. Banc One Corporation: Indianapolis, IN 1993 to 1999

Banc One Financial Services, Indianapolis, IN 1996 to 1999 Assistant Vice President, Risk Manager Managed the credit risk of Mortgage portfolio through credit policy, scoring mod els, and the ongoing tracking of portfolio performance. Created forecasting mode ls to predict future loan losses and establish appropriate loss reserves. Presen ted monthly updates to Senior Management regarding strategic initiatives and pro vided quantitative financial analysis pertaining to the credit performance of th e portfolio. Partnered with Marketing in establishing underwriting criteria for "pre-approved" loan solicitations and managed the day-to-day operations and deve lopment of 6 to 8 analysts (Junior and Senior). * Received President's Award for exceptional job performance and contributions i n the development and automation of executive management reporting, forecast mod eling, and the implementation of custom scoring models. * Received Visionary Leadership Award for building and developing newly created Risk Department and providing exceptional leadership of staff and analyst. * Recognized by peer Department Managers with the Outstanding Customer Service A ward for working diligently in understanding their business needs and providing the necessary reporting and analysis to measure and quantify the Department's pe rformance. Banc One Corporation, Indianapolis, IN 1995 to 1996 Internal Corporate Auditor Assisted the Audit Manager in developing and communicating audit plans. Defined expectations for each audit project including objectives, scope, timing, key con tacts, and deliverables. Audited affiliates and departments to ensure adherence to company policies and guidelines. Reviewed financial and non-financial documen tation for validity and accuracy. Provided written and verbal reviews to correct and/or improve business efficiencies and procedures.

Banc One Credit Card, Lafayette, IN 1993 to 1995 Senior Financial Analyst Partnered with Department Managers in the development of monthly forecasts and t he annual budget. Prepared monthly reports detailing budget/forecast variances, explanation for variances, and resolutions/adjustments to future projections. C reated forecasting models to project future revenues and expenses. Provided cost benefit analyses for new product initiatives saving the Division $2 million in annual fraud losses.