Umbrex is pleased to welcome Nikolay Hovhannisyan. Nikolay has a strong background in analytics, data science, and utilizing data and modeling to support business goals and processes. He recently held the position of Head of Credit Portfolio Risk at City National Bank, where he led a team of analytics and data specialists in delivering data and methodologies for various key areas such as loan loss reserve calculation, loan pricing, concentration management, portfolio monitoring and reporting, stress testing, and credit rating…