• Audit and stress-test the existing Excel model across all tabs (origination, portfolio, waterfall, warehouse, P&L, cash flow) for formula integrity, cross-tab consistency, and economic reasonableness • Rebuild or refine the payment waterfall to properly model SPV cash flows, priority of payments, and residual distributions under base, stress, and covenant-breach scenarios • Validate warehouse facility mechanics: advance rate calculations, borrowing base certificates, utilization tracking, unused commitment fees, and facility capacity constraints • Build covenant compliance tracking: DSCR coverage tests, concentration limits, delinquency triggers, and portfolio performance thresholds with early amortization modeling • Sensitize key assumptions (collection rates, chargeoff rates, factor rates, WAL) and produce scenario analysis output suitable for lender presentations • Ensure cash flow statement conforms to ASC 230 treatment for specialty lending (loan originations as investing, warehouse draws as financing, net income as operating) • Produce a clean, presentation-ready model with clear assumption inputs, documentation tab, and print-formatted summary pages

• Lead Series B & Beyond • Architect Agentic Economics • Strategic FP&A • Board & Investor Relations • Optimize Accounts Receivable • Cross-Functional Leadership

• Work with existing and potential customers to understand their key initiatives in Consumer Lending and Retail Banking across Marketing, Originations, Customer Management, Personalization, Collections, and Fraud. • Share expertise and thought leadership in Decisioning, Analytics, & Optimization within Financial Services to help our clients leapfrog the competition, leveraging FICO’s cutting-edge Platform. • Build relationships with senior client stakeholders in Business and Technology to gain insight into their most urgent decision management-related problems while articulating FICO’s platform capabilities. • Research and shape potential solution opportunities through collaborative engagement with internal Key Account Managers, Pre-Sales Domain Experts and Pre-Sales Architects to formulate and effectively position solution proposals. • Ensure clients are delighted with solutions purchased to create win-win relationships that are long-term, expanding, and profitable. • Collaborate with internal FICO teams, including Global Solution Architecture, Product Development, Finance, and Professional Services, to shape a cohesive sales effort that educates our customers on the tremendous business value the FICO Platform delivers. • Work with the largest and most advanced Financial Institutions as well as a core set of leaders in other sectors. • Manage sales to quarterly and annual targets, with significant earnings upside when targets are exceeded.

• Develop and implement the overall credit philosophy, underwriting framework, and risk appetite for the Equipment Finance platform • Establish credit policies, underwriting guidelines, and approval authorities consistent with Forbright Bank’s enterprise risk framework • Ensure disciplined risk selection across equipment types, industries, obligor profiles, transaction structures, and sponsor relationships • Partner with executive leadership to define target markets, concentration limits, return thresholds, and portfolio construction strategy • Monitor macroeconomic trends, industry performance, collateral dynamics, and regulatory developments impacting equipment finance • Maintain strong alignment with regulatory expectations and internal audit standards • Oversee all underwriting activities including new originations, amendments, renewals, and refinancings • Provide final credit review and approval (within authority) on transactions including loans, leases, structured equipment financings, and asset-based structures • Review and challenge underwriting memos, financial models, risk ratings, and sensitivity analyses to ensure accuracy and completeness • Ensure appropriate diligence on obligors, sponsors, collateral, residual values, industry risks, and structural protections • Lead structuring discussions to optimize credit protection, documentation, pricing, and covenant packages • Present and advocate transactions to Credit Committee and senior management • Partner with Portfolio Management to monitor asset quality, trends, and early warning indicators • Oversee risk rating integrity and periodic credit reviews • Proactively identify emerging risks and develop mitigation strategies • Lead strategy discussions on amendments, restructurings, and potential workout situations • Ensure strong documentation standards and covenant compliance monitoring • Design and implement scalable underwriting processes to support growth of the Equipment Finance platform • Drive efficiency through workflow optimization, credit systems enhancements, and reporting automation • Establish portfolio analytics, risk dashboards, and management reporting frameworks • Develop standard templates for credit memoranda, financial modeling, and approval documentation • Partner with Technology and Operations to enhance origination systems and data infrastructure • Serve as a strategic partner to the Managing Director in balancing growth objectives with prudent risk management • Collaborate on pricing strategy, funding considerations, and capital allocation • Engage with external stakeholders including sponsors, large borrowers, and syndication partners as needed • Participate in enterprise-wide risk discussions and contribute to broader credit policy initiatives at the Bank level • Perform other duties as assigned