Skokie, IL. 60076


Highly effective, results-oriented training executive with proven expertise in facilitating employee
development through training, coaching, and mentoring. An excellent public speaker and leader
with diverse and extensive professional experience partnering to create value and deliver
results with an enthusiasm for motivating and leading people. Skills include:

 Training and Development  Highly developed interpersonal skills
 Strong Presentation Skills  Management and employee counseling
 Excellent communication skills  Proactive Quality Service


CITIZENS FINANCIAL GROUP, Chicago, Illinois 2005-2016
Vice President and Credit Training Manager
Researched, created and delivered one-off and series of classes to improve the performance of
over 5,000 colleagues in Commercial Banking, Business Banking, Risk, Operations and Retail
groups within the bank.

 Trained over 500 colleagues through the bank’s Commercial Credit Training Program, a 4
month, comprehensive course covering the entire gamut of credit: from opportunity
assessment, through financial analysis, cash flow, structure and pricing.
 Developed and conducted 70+ training sessions a year on various banking and credit topics
and changes in policies and procedures.
 Successfully managed the webinar training platform for the bank including implementation,
licensing, and training for new users of the platform.
 Administered the external training consultants for the Commercial Credit Training Program,
corporate finance and advanced modelling. This included invoice and accounts payable

KPMG, LLP. Chicago, IL 2004-2005
Senior Associate, Credit Risk Advisory Practice
Provided credit review for banks and other credit providers based on my experience as loan
review officer and as a Federal bank regulator.

 Identified credit issues and risks for banks.
 Led reviews of banks’ credit portfolios.
 Requested to participate in the training program for the firm before my departure.

BANK ONE, INC. Chicago, IL 2001-2003
Vice President, Credit Review
Provided in depth review of numerous credits and portfolios within the bank to achieve the
banking best practice and regulator mandated risk management of the entire bank credit

Anthony G. Fernandez (312) 420-8694

 Identified credit issues on individual and portfolio-wide credit reviews of the Large Corporate
and Middle Market portfolios.
 Conducted training for the bank’s interns and internal young banker development programs
on risk and credit issues.

CARR FUTURES, INC. Chicago, IL 2000-2001
Vice President - Senior Credit Officer
Brought a stronger credit culture to a bank-owned futures commission merchant that had
acquired a futures trading operation that did not have a strong credit culture prior to acquisition.

 Wrote credit policy and procedures that met regulatory requirements for the Credit Agricolè
owned organization and shepherded the policy through the approval process at the head
office in Paris.
 Approved and wrote credit memos on current and new counterparties. Managed and wrote
the minutes for the Executive Credit Approval Committee.
 Developed and successfully conducted training for staff in Chicago informally and presented
a formal presentation to staff in Houston, TX.

Senior Examiner, 1993 – 2000
Effectively regulated banks, bank holding companies, nonbank subsidiaries, and foreign
banking organizations doing business in the United States, particularly in the Midwest. Worked
way up from assistant examiner in consumer affairs to safety and soundness examiner to senior

 Successfully managed bank holding company and bank examinations as Lead Examiner for
U.S. and foreign bank organizations doing business in the Midwest.
 Lead bank and foreign branch examinations, nonbank and bank holding company
inspections and examinations. Prepared review of entire domestic and foreign banking
organizations and presented findings and issues to senior management and boards of
 Developed and delivered training on Federal program to regulate foreign banks in the U.S.
along with examiners from the rest of the system and Board of Governors. Taught the pilot
sessions and trained the trainers to conduct additional training sessions.
 Developed and conducted credit training courses for examiners throughout the Federal
Reserve System at most of the Reserve Banks. Conducted formal credit training for
examiners of the Canadian Office of Superintendent of Financial Institutions.
 Conducted on the job training by participating on bank examinations with examiners of the
Republic of Bulgaria in 1993.


Bachelor of Arts, Biological Sciences
Northwestern University, Evanston, Illinois