Bill Byrnes Managing Director Bill is a Managing Director with Protiviti. In his current role, Bill oversees all aspects of Protiviti’s US credit risk management practice. This includes consulting and advisory services related to the consumer and commercial business units of regional, national, and international banking organizations. Relevant experience includes assessing lending policies and procedures, reviewing loan portfolios, and evaluating loan and other receivable allowances both as an external auditor, internal auditor, and as a consultant. Experience also includes assessing and advising on strategy and all aspects of operating models including people, process, and technology of lending operations, including benchmarking against industry practice. MAJOR PROJECTS In his current role, Bill oversees all aspects of Protiviti’s US credit risk management practice. This includes consulting and advisory services related to the consumer and commercial business units of regional, national, and international banking organizations. Relevant experience includes assessing lending policies and procedures, reviewing loan portfolios, and evaluating loan and other receivable allowances both as an external auditor, internal auditor, and as a consultant. Experience also includes assessing and advising on strategy and all aspects of operating models including people, process, and technology of lending operations, including benchmarking against industry practice. Bill previously led Protiviti's European Lender Due Diligence practice and has planned and lead the day-to-day activities of numerous due diligence engagements for trade receivable, auto loans, student loans, credit card securitization, and asset-based lending transactions in North America, Europe, and Asia. Experience includes reviews of new facilities and periodic reviews of existing facilities, across various industries and facility sizes. Bill’s experience also includes performing outsourced and co-sourced credit review engagements for global, national and regional banks. Additionally, he has overseen the execution of numerous consulting assessments and internal audits of credit review functions. Assets reviewed include residential mortgages, home equity loans and lines, auto lending and leasing, commercial real estate (incl. development loans), commercial and industrial loans, agriculture lending, equipment loans, small business lending, asset backed, cash flow based loans, commercial leases, and other consumer loans. Oversaw the execution of a comprehensive evaluation of a leading leveraged lender's underwriting, portfolio monitoring, and credit review functions, including the development of a roadmap for remediation by the client and training of management and credit resources across these functions. Oversaw procedures performed in relation to multiple potential mergers and acquisitions of consumer and commercial loan portfolios, including due diligence and modeled loss scenarios for both troubled and performing institutions. As a consultant, Bill has also evaluated and assisted with the design of ACL and ALLL processes, with considerations such as policies and procedures, accounting and regulatory guidance, methodology, organization structure, and reporting. Performed model verification for structured finance transactions. Work entailed independently understanding structured finance transaction terms and deal structure based on the applicable governing transaction documents and replicating the structures to benchmark performance results against the client’s credit risk models. Oversaw an engagement team charged with remediating data gaps for thousands of CRE and C&I loans for a top 10 US Bank, related to a stress testing data collection process. Engagement entailed creating and utilizing tools to automate capture of data where possible, enhance reporting on production/open gaps, ensure consistency in the capture of data, and train resources with varying backgrounds and skill sets. Areas of Expertise Credit Risk Management Lender and Portfolio Due Diligence Lending Operations Enterprise Risk Management Operational Risk Internal Audit Industry Expertise Financial Services Education B.S. in Accounting, University of Illinois at Champaign-Urbana Professional memberships and certifications AICPA and ILCPA member Certified Public Accountant (CPA) RMA Member Certified Anti-Money Laundering Specialists (ACAMS)
