Charlotte, North Carolina, United States
Solution oriented client-centric credit risk professional. Adept at commercial loan work out in SBA, Commercial, HNW and CRE business channels. Displays a sense of urgency in meeting client needs while taking prudent credit and operational risk. Experienced in finding efficient credit delivery channels, balancing risk and return (i.e., adequate compensation for risk) and working cross functionally across lines of business. Applies expertise to coach, mentor and build associate and team effectiveness.
Small Business Administration distressed commercial loan work-out. Responsibilities include work out strategy development with clients, attorneys and in-house Executive Credit Committee. Loan document review and negotiation. Ongoing account monitoring for compliance with approved work out terms and risk rating of distressed credits.
Portfolio management for distressed Commercial Bank clients. Responsibilities include: work out strategy development in consultation with Clients, Sr. Workout Specialists, Attorneys and in-house Executive Credit Committee, loan document review and negotiation, ongoing account monitoring for compliance with approved work out terms, risk rating of distressed credits and ASC 310 Accounting for Impaired Loan Reserve Establishment.
Responsible for all phases of risk management, underwriting and portfolio management for loans to high net worth individuals. Geographic territory primarily FL Gulf Coast and Carolinas. Adhered to Bank lending guidelines while maintaining a "pro-business" and "client-centric" approach focused on finding cost effective delivery systems for providing services while providing a satisfactory customer experience. Duties include personal and business financial statement analysis, collateral analysis, loan document review and negotiation and cross-selling of bank products. Additional duties include review / approval of junior associate work and 'mentoring' of less senior associates regarding loan structure and negotiations
Responsible for all phases of risk management, underwriting and portfolio management for loans to high net worth individuals. Geographic territories included NY, NC and SC. Adhered to Bank of America lending guidelines while maintaining a "pro-business" attitude that focused on finding the most cost effective delivery systems for providing products to customers while ensuring the bank was adequately compensated for risk. Duties included personal and business financial statement analysis, collateral analysis, loan document review and negotiation, cross-selling of bank products and work-out of troubled accounts. Personal lending authority in excess of $10 million.
Performed commercial credit analysis and risk management for over $2MM inventory floor plan accounts. Duties included business financial statement analysis, collateral analysis, loan document review and negotiation and cross-selling of TCFC lending products. Personal lending authority $2 million.