Michael Freeman

Senior Managing Director – Credit Portfolio Management

Michael Freeman

Mike is a Senior Managing Director – Credit Portfolio Management with SRA focusing on Enterprise Risk Management (ERM), credit risk analytics and technology, asset management, and credit operations. He has over 30 years of financial services experience with an emphasis on applied risk technology for underwriting and portfolio management, large scale risk system upgrades, data strategies and supporting infrastructure including credit portfolio assessments, due diligence, model risk management, compliance, regulatory relations, forecasting, and vendor management. Before aligning with SRA, Mike provided consulting services to a wide variety of clients ranging from traditional banks to fintech companies, mortgage servicers, consumer lenders and payment platforms. With decades of experience at global and regional banks, Mike has served as risk executive responsible for portfolios as large as $45B and across multiple business verticals. Mike served as EVP in the risk management organization at BBVA as head of governance, risk technology and default services, as well as tenure as credit risk oversight for all small business, mortgage, and consumer portfolios. Prior to BBVA, Mike led corporate wide credit portfolio reporting as well as successfully merged the mortgage and consumer risk function for Memphis based First Horizon National Corporation. Other experiences include risk positions at HSBC Mortgage Services in Charlotte, and chief of staff of consumer analytics at Bank of America. In addition to the variety of responsibilities listed above, Mike has a deep background in merger due diligence and transitions, transforming operational units, and relocating risk functions. He earned a Bachelor of Science from the University of North Carolina at Chapel Hill as well as an MBA from the Bryan School of Business and Economics at UNC Greensboro.

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