Dan Kreis

Dan Kreis manages the portfolio management practice area of First Annapolis. This practice focuses on account management, risk management, operations management, and systems conversion support. He specializes in consumer and small business lending. Dan brings risk management expertise to all of the major lending decision areas - prospect selection, credit underwriting, and account management. He has managed and consulted in nearly every back office function - credit, collections, fraud, customer service and accounting. He has consulted to banks, retailers, utility companies, third party service providers, specialized small business lenders, and companies in emerging areas such as Internet-based consumer auctions. Dan brings a practical understanding of how predictive models, decision engines, and other credit tools can be deployed to the benefit of each client's unique situation.

Recent assignments include acting as interim operations manager for a distressed retail portfolio and assisting a leading small business fleet-card issuer in the development of a revolving credit operations and systems platform. Dan has also managed the development of operating procedures and portfolio conversion plan for a de novo credit card issuer. On each of these assignments, Dan worked on-site with the client and played an integral role in addressing near-term portfolio management needs - enhancing policy and procedures, re-organizing units and work flows, and, developing productivity measurements and reporting. Dan has also assisted two leading card issuers develop customer segmentation for "lifecycle" promotional campaigns and risk based portfolio re-pricing. Further, Mr. Kreis has led the development of a comprehensive risk management review and benchmarking service.

Previously, Mr. Kreis was the regional director of the Mid-Atlantic and Mexican markets for Fair, Isaac Company, Inc. In this capacity, he assisted key clients in the design, implementation and tracking of risk management tools and strategies. He also consulted with many of the nation's leading financial institutions and was instrumental in developing new solutions for the small business lending and utility industries.

Mr. Kreis has over 23 years of operations and risk management experience. Over half of his career has been dedicated to managing credit card and other consumer loan portfolios with First Omni Bank and PMC, a portfolio management firm. Over the course of his career, Dan has developed practical solutions in response to the challenges brought upon by different economic cycles, changing competitive conditions, and unique strategic demands.

Mr. Kreis is a published author and has lectured at various conferences, seminars, client executive forums and user groups. Additionally, he has served as an expert witness in a variety of litigations concerning the payments industry. He earned a B.A. in economics and finance from the University of Maryland at Baltimore County.