Cynthia J. Winnington has over 20 years of experience in portfolio risk management, operational risk analysis, and credit risk analysis. She currently works as a Portfolio Risk & Control Manager/Vice President at Citi in Wilmington, DE where she evaluates loan loss forecasts and assesses controls to improve processes. Previously, she held several risk analysis and management roles at Bank of America/MBNA America where she developed risk assessment procedures, analyzed portfolio performance, and validated loan loss models. Winnington aims to obtain a new position providing challenges and opportunities to demonstrate her experience in risk analysis, process improvement, and communication skills.

1. Cynthia J. Winnington
136 Clipper Drive Home (302) 376-8555
Middletow n, DE cw innington@verizon.net Cell (302) 530-9822
Career Objective:
Obtain a position that w illprovide me new challenges and opportunities allow ing me to demonstrate my personaland professional experience. Iam a
dependable leader w ith an understanding for flexibility in a constantly changing business environment. Proven ability to communicate w ith customers,
peers and all levels of management.
Experience:
Citi, Wilmington, DE
Portfolio Risk & Control Manager/Vice President 8/16 – Current
 Evaluate the accuracy of the loan loss forecast and driversand create documentation that is review ed prior to submission.
 Identify risk, assess controlsto improve processes.
Bank of America/MBNA America, Wilmington, DE
Consumer MarketingOperational Risk-Sr. Analyst/Vice President 7/11 – 4/16
 Developed and conducted assessments of processes to validate execution and adherence to policies along w ith adequacy of existing controls.
Addressed allidentified issues to improve the controls, increase efficiencyand mitigate future risk.
 Created desktop procedures and process maps for undocumented processesto ensure consistency and reduce operational and vendor risk.
 Reduced riskand regulatory violations by ensuring identification of errors w ere timely, all riskw ere addressed, effective remediation w ascompleted
and accurate reporting was documented.
 Developed and maintained performance tracking reports that include meaningful data and illustrated trends. These reports provided evidence to
support escalation of new ly identified riskw hennecessary.
Consumer Loss Forecasting-Risk Analyst/Vice President 1/10 –
6/11
 Assisted with the review of the loan loss forecast for many of the required stress test scenarios along w ith CCAR.
 Created desktop procedures for undocumented processesthat reduced riskbecause they ensured consistency and included the implementation of
robust controls.
 Maintained and analyzed portfolio performance reports to identify trends, which reduced riskand improve performance.
 Completed validation of loan loss models to ensure forecast accuracy.
Portfolio Risk Management-Analyst II/Assistant VicePresident 4/01 – 12/09
 Evaluated all data related to potential credit card acquisitions, w hich included underwriting, collections and allother policies and procedures.
Attended due diligence site visits and completed loan loss forecast forportfolios ranging in size from $10 MM to $300 MM.
 Developed and maintained credit card portfolio acquisition performance tracking reports to ensure forecast accuracy and improve future
projections.
Credit Acquisition-EducationManager/Officer 1/00 – 3/01
 Facilitated new hire credit analyst education in Wilmington, DE and Belfast, ME. Class size consisted of 20 to 30 associates and lasted a minimum
of four w eeks. Managed the new lenders and their mentors to ensure effective reinforcement of the lending policies and procedures prior to being
assigned a new manager.
 Ensured all new analysts obtained their lending authority by w orking directly with management and loan review to reinforce allclassroommaterial
prior to completing their board review .
 Organized the demanding agenda for the class and produced all the required materials.
Credit Acquisition-AssistantManager 9/99 – 12/99
 Review ed lending decisions made by credit analysts to reduce exposure. Summarized findings and provided the information to the analyst to
ensure future risks were mitigated.
 Assisted the Section Manager w ith projects, productivity, monthly incentive and morale improvement daily.
Credit Acquisition-Specialized LendingAnalyst 4/99 – 8/99
 Managed loan quality by reviewing credit applications to ensure optimal decision making.
 Provided daily feedbackto Credit Acquisition Section Managers regarding the performance of their units.
Credit Acquisition-Senior Analyst 9/97 – 3/99
 Decisioned difficult applications needing higher lending authority and sound decision-making ability to reduce riskto the company. Ensured
adherence to the credit policies and procedures, with the intention of contributing to grow th.
 Mentored new lenders, reinforcing their recent education to assist w ith successfulcompletion of their board review .
Credit Acquisition-Analyst 1/97 – 8/97
 Decisioned credit card applications, seeking every opportunity to approve applicants, consistently contributing to grow th.
 Developed effective waysto activate new credit cardsaccountsupon approvalto ensure outstanding’s growth.
Customer Assistance-AccountManager 12/95 – 12/96
 Controlled bank losses by offering financialcounseling and assistance options to Customers up to 120 days past due.
 Established excellent rapport w ith Customers through negotiation, persuasion, listening and problem solving techniques.
Education:
Delcastle Technical High School, New port, Delaw are - High School Diploma, June 1992