Rosie Garcia is a Consultant on the Abrigo Advisory Services Team, where she works financial institutions across the United States ranging in asset size from $100 million to over $10 billion. She specializes in consulting institutions on CECL modeling as well as ongoing monitoring responsibilities including: backtesting, sensitivity testing, probability of default analysis, loss given default analysis, and prepayment speed analysis. Rosie earned her bachelor’s degree from University of North Carolina at Wilmington in Accounting. Prior to Abrigo she worked for an institution that specializes in Small Business Lending.