Garth C. Haynes

Garth C. Haynes
1716 Terrace Dr.
Belmont, CA 94002
(650) 592-6775
ghaynes10@comcast.net

Secured-Unsecured Risk Analyst/Manager

Economic, Market, Credit

Extensive experience in risk analysis and management. Particular strengths in performing risk analysis of local, regional, and national markets in both secured and unsecured products. Demonstrated abilities to offer creative and sometimes contrarion perspectives that have led to significant value added solutions. Successful track record as a manager, improving productivity, reducing costs and losses, while maintaining staff morale.

WORK EXPERIENCE

Providian financial (PVN)
MSA (unsecured) market trend/risk analyst San Francisco, CA 2000–2002

Implemented credit risk Market Analysis Framework with detailed benchmarking criteria, enabling management to make strategic decisions responsive to changes in MSA trends and risk levels.
Created quarterly MSA report, accurately categorizing all MSAs according to their risk levels, enabling customization of underwriting criteria for specific markets.
Produced an on-line national MSA snapshot illustrating demographics as well as the most recent economic, and market forces. Results: 1) Instant comparison of MSAs, enabling “real-time” risk management and maximization of marketing opportunities, and 2) Enabling senior management to maximize marketing opportunities.

MSA (secured) market trend/risk analyst Pleasanton , CA 1993- 2000

Identified the necessary macro/micro economic trends that have greatest impact on local real estate conditions, resulting in the consistent management of MSA risk throughout the country.
Tracked and analyzed market trends and made recommendations, resulting in changes in underwriting criteria and noticeably improving company profitability.
Traveled to numerous critical real estate markets for firsthand appraisal of risk, achieving a hands-on assessment of risk to appropriately alter lending guidelines and practices.

Appraisal Vendor Manager San Ramon, CA 1990–1993

Re-engineered the in-house appraisal department to manage national fee appraisal panel by implementing reviewing process and support functions. Results: Standardized procedures and significantly improved productivity.
Developed feedback management tools to enhance competitive incentives to appraisal fee panel, reducing turnaround times by 50%.
Pioneered and tested unique in-house appraisal/review products, reducing production costs by 30% and serving as an industry model.
Provided feedback to Corporate Credit on the impact of current economic conditions on local real estate trends, enabling senior management to make strategic changes in lending policies.

Home Savings of America
Assistant Branch Manager Campbell, CA 1990-1990

Promoted to Assistant Branch Manager due to outstanding performance as Chief Appraiser.
Excelled in assessing property risk associated with mortgage loans.

Appraisal Manager Mountain View, CA 1985 – 1990

Managed numerous appraisal departments throughout the peninsula region, dramatically reducing both audit exceptions and departmental turnaround times.
Successfully managed and trained an ever changing staff of appraisers, while (1) improving turnaround time and reducing audit exceptions, and (2) maintaining excellent team spirit.
Leading a team of 5 appraisers, inspected, under intense time constraints, hundreds of properties throughout the South Bay Area after the Loma-Prieta earthquake. Results: Successfully provided upper management with immediate damage assessments, enabling them to take appropriate emergency action.

PRIOR EXPERIENCE

Touring Professional Tennis Player, ATP (Association of Tennis Professionals)

Member of the ATP, competed regularly on tour around the globe for three years.

EDUCATION

Bachelor of Arts in Communication: Organizational Communications (Management)
PEPPERDINE UNIVERSITY, Malibu, CA

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