Oscar Cerda serves as the Senior Vice President and Senior Audit Manager for Credit Risk at U.S. Bank, where he leverages over 19 years of extensive experience in the financial services industry. In his current role, Oscar is instrumental in leading Corporate Audit Services' comprehensive...
Oscar Cerda serves as the Senior Vice President and Senior Audit Manager for Credit Risk at U.S. Bank, where he leverages over 19 years of extensive experience in the financial services industry. In his current role, Oscar is instrumental in leading Corporate Audit Services' comprehensive coverage of credit risk, which encompasses critical areas such as credit risk management, credit reporting, credit forecasting, and the implementation of Current Expected Credit Loss (CECL) standards. His expertise in enterprise risk management allows him to navigate complex regulatory landscapes and ensure that the bank's credit risk frameworks are robust and compliant.
Oscar is known for his ability to lead and manage intricate projects within cross-functional environments, collaborating effectively with teams across various departments. His advisory services have been sought by a diverse range of financial institutions, including commercial banks, mortgage banks, and consumer finance companies, showcasing his versatility and deep understanding of the industry. He excels in risk assessment and due diligence, applying rigorous financial analysis to identify potential vulnerabilities and enhance the bank's risk management strategies.
In addition to his technical skills, Oscar's proficiency in analytics and capital markets positions him as a thought leader in credit risk oversight. His commitment to fostering a culture of risk awareness and continuous improvement within U.S. Bank not only strengthens the institution's operational resilience but also contributes to its long-term success in an ever-evolving financial landscape. Through his leadership, Oscar Cerda continues to drive innovation and excellence in risk management practices, ensuring that U.S. Bank remains a trusted partner in the financial services sector.
