Michael Montague
Credit Risk @ Duke Energy | Financial Analysis & Risk Management
- Role
- Credit Risk Manager at Duke Energy Corporation
- Location
- Cincinnati, OH, US
- LinkedIn followers
- 500 followers
About Michael Montague
As a Credit Risk Manager with nearly a decade of professional experience, I specialize in financial analysis, operations management, and risk management. I am dedicated to leveraging data to drive strategic decision-making and protect organizational assets.In my current role, I develop and refine predictive models, conduct comprehensive risk assessments, and implement innovative strategies aligned with regulatory requirements. By utilizing advanced statistical techniques and Monte Carlo simulations, I provide accurate estimates of potential losses. My work with Moody’s and D&B ratings has led to a 15% improvement in default probability evaluations.Throughout my career, I have consistently translated complex data into actionable insights, enabling executive teams to make informed decisions. My collaborative approach has resulted in successful cross-functional projects, including a recent initiative that reduced credit risk exposure by 20%.I am passionate about data-driven decision-making and continuously seek opportunities to apply my skills. Let’s connect if you are looking for a professional who delivers tangible results and enhances profitability.
Experience
Credit Risk Manager
Nov 2023 — Present · Cincinnati, OH, US
Developed and maintained detailed 3-statement financial models to support credit risk analysis, scenario planning, and cash flow forecasting, directly informing risk mitigation strategies for largest customers Led the credit risk management division, identifying and mitigating risks in credit, market, operational, and compliance areas; introducing strategies that reduced 90+ day arrears by 80% • Oversaw analysis of financial statements and engaged directly with external C-suite executives to negotiate and secure over $50M in security deposits• Implemented a new KPI tracking system for Large Account Management, enhancing financial performance visibility and portfolio risk understanding.• Constructed and maintained risk management dashboards with Power BI, SQL, and Excel; provided actionable insights that improved risk mitigation.
Education
University of Cincinnati Carl H. Lindner College of Business
Bachelor of Business Administration (B.B.A.), Accounting
2014 — 2019
Saint Xavier High School
High School Diploma
2010 — 2014
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