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Business Area: Click here to enter text. Title : Click here to enter text. As of January 1 st 2008. Each of the business areas maintained teams for analyzing and projecting Credit Risk for retail markets.

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  1. Business Area: Click here to enter text Title:Click here to enter text As of January 1st 2008. Each of the business areas maintained teams for analyzing and projecting Credit Risk for retail markets. This has traditionally led to inconsistencies in projections and some redundancies in several areas. Teams exist both domestically and in India for each business area. Objective: To improve efficiencies by reducing redundancies in risk focused processes and procedures that exist across business units, while increasing the consistency and reliability of reporting. Phase I = Modeling and Basel work: Q2 In scope for CML, CRS, HFCA, TFS (Auto pending) Phase II = HBUS, (HBCA?) Q3/Q4 Phase III = Loss Forecasting and Quarterly Reserving TBD Executive Sponsor: Shahzad Kazi Key Stakeholders: Bruce Fletcher SCI Manager: Chris Columbia RCM Managers:Shounak Sarkar, Roger Acvido, Laura Labno, Steve Mongulla, Shounak Sarkar BU CCO: Ronnie Momen, Torben Ostergaard, Tony Piscopo, Bill Smullen, Gary Harman Preliminary CBA shows $1.3M expected based on 10 FTE onshore @ $135K loaded cost spread across 2008 and 2009 based on date of reduction in staff. See Details in CBA Target Start Date: 01/15/2007 Target End Date: 06/01/2008 Adjusted Start Date: 02/04/2008 Adjusted End Date: 06/01/2008 Weekly Meeting Date & Time: Fridays @ 1pm CST Dial In information: 866-771-2495 PC 1111152

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