Resume Christina Hines - National Bank Examiner for the OCC for 36 years

CHRISTINA C. HINES

15 Morven Lane, Pawleys Island, SC 29585 “803.831.9347” chines8@yahoo.com, $50/hour for hire

PROFESSIONAL SUMMARY

Tenured National Bank Examiner. Federal Thrift Regulator. Extensive experience in Large, Regional, and Community BankRegulatory Supervision. Expertise in Retail Credit and Mortgage Banking. Proven ability to mentor, develop, and manage staff.

SKILLS

• Strategy development, scheduling, and resourceplanning. Risk-based supervision.	• Examination and project planning, supervision, policy development, and communication.
• Retail credit and residential real estate operations. Risk selection, monitoring, management, and mitigation.	• Expertise in highly complex bank and financial institution operations.
• Implement effective corrective action for identifiedweaknesses and issues.	• Lead, develop, train, and motivate staff.

EXPERIENCE

Office of the Comptroller of the Currency, Charlotte, NC

National Bank Examiner, Large Bank Supervision, 1997-2025

 Bank of America (BAC) and Wells Fargo Retail Credit and Mortgage Teams

• Examiner-in-Charge (EIC) or assist on complex, high priority examinations of high-risk areas.

• Portfolio manager for mortgage, home equity, credit cards,auto loans, originations, collections, loss mitigation,modeling, collateral valuation, other real estate owned, and secondary marketing.

• Evaluate Consent Order compliance.

• Complete Core Risk Assessment and Credit Underwriting Survey.

• Led Retail Credit Dodd-Frank Act Stress-Test (DFAST)work stream.

• Supervisory activities at other large and mid-size banks to gain perspective and additional expertise.

• Review Shared National Credits.

 BAC Acting Retail Credit Team Lead, various timeframes

• Support BAC Examiner-in-Charge and headquarters staff.

• Oversee retail credit and mortgage team members and supervision.

 Acting Retail Credit Technical Expert, Bank Supervision Policy, August 28-December 31, 2022

• Participated in National Risk Committee.

• Wrote Retail Credit sections of Semi-Annual Risk Perspective, Examiner Message, and Bank Supervision Policy Credit Insights Newsletter for distribution to all examiners.

• Finalized Buy Now Pay Later Loan supervisory guidance.

• Coordinated OCC policy and supervisory issues with other financial regulatory agencies.

• Answered technical questions from examiners.

• Reviewed and provided input on draft guidance and otherpolicy documents.

 EXCEL I Retail Credit Team Lead, October 1, 2021-March 14, 2022

• Led Retail Credit EXCEL, an OCC staffing initiative todevelop skills and knowledge for transition to large bank supervision. All team members successfully transitioned to large bank teams and received promotions in retail credit positions within a few months of completing EXCEL.

• Independently developed and executed EXCEL schedule to provide broad range of large bank experience.

• Feedback on EXCEL work was consistently favorable and indicated that the team completed high quality work that often exceeded expectations and materially contributed to the successful completion of supervisory strategies.

• Collaborated and planned with OCC large bank resident teams, network groups, subject matter experts, and bank staff to balance EXCEL team member developmental needs while optimizing exam productivity and assistance to large bank resident teams.

 EXCEL II Retail Credit Team Lead, 2016-17

• Voluntarily supervised and trained community bank examiners transitioning to large bank supervision.

• Technical training and oversight, obtain and schedule assignments, plan and lead examinations, mentor in bank meetings and written products, developed and conducted training sessions, performance evaluations, ensure completion of training requirements, and administrative support.

• Completed ten exams in nine months, with favorable feedback on all exams.

• Participants are now successful members of large bank resident teams or bank supervision policy.

• Assignments addressed high-risk areas that represent top supervisory priorities.

 2015: Passed FSA Cross Credential (FTR).

National Bank Examiner/Bank Examiner, Carolinas Field Office

 Community Bank Examiner, 1990-97

• Examiner-in-Charge or assist on bank examinations.

• Prepare Reports of Examination.

• Portfolio manager, including problem bank under Formal Agreement.

• Training Team Leader.

Barnett Bank, Tampa, FL

Commercial Credit Analyst, 1987-90

 Analyze, risk-rate, and recommend approval/denial of commercial and commercial real estate credits.

 Create commercial credit analysis packages; participate in weekly commercial credit discussion meetings.

 Ongoing communication with commercial credit account officers and clients.

EDUCATION

Susquehanna University, Selinsgrove, PA

Bachelor of Arts

Bucknell University, Lewisburg, PA

Master of Business Administration Courses