
Ralph Sanders
Practiced, proven, and highly involved business and risk leader and protagonist for change, with a unique combination of... | Crawfordsville, Indiana, United States
Ralph Sanders’s Emails ra****@sp****.com
Ralph Sanders’s Phone Numbers No phone number available.
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Ralph Sanders’s Location Crawfordsville, Indiana, United States
Ralph Sanders’s Expertise Practiced, proven, and highly involved business and risk leader and protagonist for change, with a unique combination of industry experience, communication skills, and technical and analytical expertise. → A true “business person” who understands that risk management becomes value adding when its practitioners focus on providing solutions and not on simply identifying problems. Risk managers must understand that risk issues are business problems that require business solutions; they are opportunities to create value. Risk avoidance is not risk management. Rather, effective risk management ensures that the firm is compensated for the risks it takes and, thus, creates value. → An articulate influencer and change agent who easily translates technical and analytical jargon, concepts and frameworks into clear and concise language understandable by non-quantitative audiences, including regulators and board members. → Forthright and confident leader; successful recruiter and builder of highly effective teams in high profile and highly-regulated functions including model development across the full array of product and decision support functions, risk management, modeling, stress-testing, and validation. → Significant expertise and hands-on involvement with CCAR, DFAST, stress testing, scenario analysis, economic and regulatory capital; extensive experience the development and validation of wholesale and retail (loan and deposit) product pricing, credit risk management, and loss forecasting models (e.g., PD, EAD, LGD). → Highly accomplished Finance, Economics and Risk modeler and Risk management executive. Extensive experience across the breadth of financial services activities together with my training in Economics, Finance, Accounting and Law provides for a unique understanding of business and personal incentives, and an exceptionally deep tool kit of best practices and methods for use in designing and implementing effective and value-creating solutions.
Ralph Sanders’s Current Industry Depauw University
Ralph
Sanders’s Prior Industry
Wells Fargo And Company Arthur Andersen
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University Of South Florida Tulane University
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Pnc Financial Services
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Fannie Mae
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Independent Consultant
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Ocwen Loan Servicing
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Etrade Financial
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Ally Financial
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Bank Of The Ozarks
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Spero Risk Associates
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Depauw University
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Work Experience

Depauw University
Lee G. Hall Distinguished Visiting Professor of Economics and Managememt
Mon Jul 01 2019 00:00:00 GMT+0000 (Coordinated Universal Time) — Present
Spero Risk Associates
EVP Model Development and Validation
Mon Jan 01 2018 00:00:00 GMT+0000 (Coordinated Universal Time) — Tue Jan 01 2019 00:00:00 GMT+0000 (Coordinated Universal Time)
Bank Of The Ozarks
Director of Quantitative Risk Management
Fri Jan 01 2016 00:00:00 GMT+0000 (Coordinated Universal Time) — Mon Jan 01 2018 00:00:00 GMT+0000 (Coordinated Universal Time)
Ally Financial
Model Risk Management Executive
Wed Jan 01 2014 00:00:00 GMT+0000 (Coordinated Universal Time) — Thu Jan 01 2015 00:00:00 GMT+0000 (Coordinated Universal Time)
Etrade Financial
Vice President and Head of Model Risk Management
Sun Jan 01 2012 00:00:00 GMT+0000 (Coordinated Universal Time) — Wed Jan 01 2014 00:00:00 GMT+0000 (Coordinated Universal Time)
Independent Consultant
Modeling/ Model Risk Management Consultant
Sat Jan 01 2011 00:00:00 GMT+0000 (Coordinated Universal Time) — Present
Ocwen Loan Servicing
Vice President of Econometrics and Statistical Modeling
Sat Jan 01 2011 00:00:00 GMT+0000 (Coordinated Universal Time) — Sat Jan 01 2011 00:00:00 GMT+0000 (Coordinated Universal Time)
Fannie Mae
Vice President of Analytics │ Vice President, Housing and Community Development
Sun Jan 01 2006 00:00:00 GMT+0000 (Coordinated Universal Time) — Fri Jan 01 2010 00:00:00 GMT+0000 (Coordinated Universal Time)
Pnc Financial Services
Vice President and Director, Applied Financial Economics Group
Mon Jan 01 1996 00:00:00 GMT+0000 (Coordinated Universal Time) — Sat Jan 01 2005 00:00:00 GMT+0000 (Coordinated Universal Time)
University Of South Florida Tulane University
Assistant Professor
Thu Jan 01 1987 00:00:00 GMT+0000 (Coordinated Universal Time) — Mon Jan 01 1996 00:00:00 GMT+0000 (Coordinated Universal Time)
Wells Fargo And Company Arthur Andersen
Prior professional progression
Thu Jan 01 1976 00:00:00 GMT+0000 (Coordinated Universal Time) — Tue Jan 01 1980 00:00:00 GMT+0000 (Coordinated Universal Time)