DENNIS KOWALKOWSKI 564 Lawrence Ct, Atwater, CA 95301 * h: 209-358-1949 c: 630-926-6419 * dk139d51 0@westpost.

net MANAGEMENT * BUSINESS ANALYSIS * PROJECT MANAGEMENT * BUSINESS DEVELOPMENT * COL LECTIONS * UNDERWRITING * COMPLIANCE EXECUTIVE SUMMARY Over twenty years of experience including management responsibilities in one of the largest banks in the world. A key member on very key corporate initiatives c onsidered vital to the continuing operations and increased profits of the organi zation. Responsible for analyzing processes and making recommendations for impro vements while ensuring adherence to corporate values, government regulations, co mpliance and at the same time maximizing profits and efficiencies. ACHIEVEMENTS AND ASSIGNMENTS Sr. Business Architect for many corporate initiatives vital to continuing operat ions within HSBC Consumer Finance: * Identified underwriting user requirements and composed the Business Requiremen ts Document for new conforming loan products based on very complex Freddie Mac c riteria. This project was delivered from initiation in less than six months, a r ecord for a project of this size within the organization. * Key representative for the project team responsible for introducing an FHA pro duct to HSBC Consumer Lending. * Tested software for compliance improvements to the corporate loan origination system ensuring user acceptance. These improvements were required by agreement w ith various states for new consumer protection laws and changes prompted by the creation of new Homeland Security laws including FACT Act and OFAC. Performed a dual role as Project Manager and Business Analyst on servicing proje cts: * Acted as both Project Manager and Business Analyst for a project to review exi sting customers for risk based systemic credit limit reductions. * Managed the quality assurance effort, supported cross functional teams and the Project Management Office in the implementation of a new customer servicing sys tem. * Represented Compliance in the development of the new Solutions Builder system designed to make sales more efficient by identifying products to better meet the customer needs. * Sr. Test Coordinator for the revolving loan product improvements and other cru cial compliance projects for the Attorney General Consumer Protection Plan, a $4 89 million settlement vital to the survival of consumer lending at HFC. Consistently a top rated manager in the Underwriting and Quality Assurance depar tments: * Managed a top producing Underwriting team as measured by total loan decisions per employee while maintaining established quality measures for capacity, credit , collateral and compliance. * Team also achieved top ratings in new money percentage throughout tenure as ma nager. * Achieved a loan account gain in first year as manager of nearly $100 million i n a region with 24 consecutive months of losses while increasing the rank of tha t region from last to second among eight regions and maintained continued loan a ccount improvement in subsequent years as manager. * Chosen to work with personnel not meeting expectations in order to improve the ir performance. Prepared action plans giving step by step processes with dates a nd measurable improvement goals while working with Human Resources and Training

in order to ensure goals were achieved. * Responsible for the creation of several new units and testing teams at remote locations while in both departments. PROFESSIONAL HISTORY HSBC 1987 to 2009 Senior Business Architect 2007 - 2009 * Analyze business processes by utilizing extensive process flows in order to im prove efficiencies in a declining revenue market. * Utilize project management skills in order to drive highly complicated project s impacting multiple business units. * Perform business system analysis tasks that included working with business own ers to define user needs and business specifications of a complex nature. * Act in the behalf of business as Subject Matter Expert in reviewing results of offshore testing in India. Manager of Quality Delivery 2005 - 2007 * Provided testing and resource estimates used for planning and budgeting. * Established milestones, deadlines and testing goals for assigned projects. Pro vided project sizing estimates and communicated testing results to senior manage ment. * Participated in the interview process for perspective employees from both inte rnal and external sources. Sr. Quality Assurance Specialist 2003 - 2005 * Developed test plans, managed the execution of testing then reviewed those res ults for key projects within the Consumer Protection Plan. * Evaluated the performance of Quality Assurance Specialists and participated in the creation of development plans for those with developmental needs. * Packaged formalized test plans and results for evaluation by both internal and external auditors. Underwriting Manager 1998 - 2003 * Established productivity goals and sizing estimates for staffing needs. * Completed semi-annual formal performance reviews and salary recommendations. * Completed regular reviews of employee loan decisions for both real estate and non-real estate loan in order to ensure quality and compliance. * Reviewed recommendations for approval of applications for loans outside the au thority of the Underwriters. EDUCATION Ferris State University, Big Rapids MI B.S., Accounting 1987

ADDITIONAL SKILLS * Experienced in Microsoft Office, Lotus Notes and Mercury Test Director. * Completed ASPE courses for requirements development and improving testing tech niques. * Member of several rapid action plans and Six Sigma projects for process impr ovements. AWARDS Spotlight Awards in Project Management Department: Twice awarded for Teamwork an d Leadership. I Made It My Job Award: Twice awarded for customer service in the Underwriting d epartment. Top Manager, Underwriting Ranking Report: Top ranked manager in each quarter for two of the four years of ranking.