Clint Frazier, CECL Management Leader
Professional Overview
Clint Frazier is an experienced risk management professional with a strong background in CECL (Current Expected Credit Losses) implementation and consumer lending. As the Head of CECL Management at HarborOne Bank, he is responsible for overseeing the bank's CECL compliance efforts and optimizing credit risk management strategies.
Experience Summary
Current Role
As the Head of CECL Management at HarborOne Bank since March 2022, Clint is responsible for leading the bank's CECL implementation and ongoing compliance efforts. He oversees the development and maintenance of CECL models, ensuring the bank's adherence to regulatory guidelines and best practices. Clint's expertise in CECL has been instrumental in enhancing the bank's credit risk management capabilities and improving its financial reporting.
Career Progression
Prior to his current role, Clint held various risk management positions with leading financial institutions. At Santander Bank, N.A., he served as the Director of Credit Risk for Unsecured Consumer Lending, where he was responsible for portfolio and model management, as well as driving strategic initiatives to optimize the bank's credit risk profile. Before that, he held roles at RBS Citizens Financial Group and MasterCard, where he gained experience in areas such as portfolio and model management, competitive intelligence, and customer risk management.
Clint's diverse background in risk management, coupled with his deep understanding of the CECL framework, has enabled him to make significant contributions to the organizations he has served. His ability to leverage data-driven insights and collaborate with cross-functional teams has been instrumental in driving improved credit risk mitigation and financial reporting.
Academic Background
Clint holds an MBA from the Wake Forest University School of Business and a BA in Economics from the University of Virginia. His educational background provides him with a strong foundation in financial analysis, risk management, and data-driven decision-making.
Areas of Expertise
- CECL implementation and compliance
- Credit risk management and portfolio optimization
- Unsecured consumer lending risk strategies
- Financial modeling and data analytics
- Cross-functional collaboration and stakeholder management
Professional Impact
Throughout his career, Clint has demonstrated a track record of success in driving impactful initiatives. At Santander Bank, he led the implementation of advanced credit risk models and strategies that resulted in significant improvements in the bank's risk profile and financial performance. At HarborOne Bank, his expertise in CECL has been instrumental in enhancing the bank's regulatory compliance and financial reporting capabilities.
Conclusion
With his extensive experience in risk management and CECL implementation, Clint Frazier is a valuable asset to HarborOne Bank. His leadership, technical expertise, and collaborative approach make him well-positioned to continue driving positive outcomes for the bank and its stakeholders.
