SUMMARY:

• Results - oriented, Commercial Portfolio Manager with strong technical and operational knowledge in Credit, Risk, C & I; Commercial Real Estate; Business Banking Lending and Distressed Loan Management. Strong loan underwriting/analysis; BASEL II risk-rating scorecards; financial/risk/cash flow analysis and primary backup to relationship managers and coordinators.
• Demonstrated ability to communicate with all levels of management, clients and business owners; and assist internal bank support departments: commercial real estate appraisals; real estate/tax evaluations, site inspections; due diligence; document preparation & closing; environmental assessments).
• Adept in more complex commercial; business banking, commercial real estate, and C & I loan renewals/reviews to determine risk; evaluate business viability; identify key issues, & concerns with mitigating factors; Confidential %; debt service coverage. Underwriting covers: new money requests; annual renewal of multi-facility relationships; scheduled annual reviews; and quarterly reports on high risk loans.
• Responsibility verifying RAROC or FTP pricing at 20% or higher.

AREAS OF EXPERTISE:

• Complex Credit Reviews Confidential s Spread Software Due Diligence
• Loan Presentation Packages Basel II Dual Risk Rate Score Cards Legal Documents
• Industry / Market Research Fin.Stmt./ Cash Flow Analysis MAI Appraisals / Confidential Assessment
• Regulatory Compliance Relationship Support Environmental Assessments

TECHNICAL KNOWLEDGE:

• MRA/ Risk Analyst • BASEL II Risk-Rating Scorecards
• LTS Loan Transaction Summary - Credit Presentation
• Microsoft Office Suite - Proficient Outlook; Word; Excel
• D & B Business Reports
• Experian Business Reports
• Transunion, Equifax, & Experian Consumer Reports
• LiveLink APMS Asset Portfolio Mangement System
• Lotus Notes / SameTime

PROFESSIONAL EXPERIENCE:

Confidential, Green Bay, WI

Commercial Portfolio Manager / Business Banking Portfolio Manager

Responsibilities:

• Supported the Green Bay Business Banking Group underwriting 28 new money requests/ annual renewals totaling over $30MM in four and a half months.
• In 2012 supported the North and Northeast Wisconsin commercial real estate Confidential (capital acceleration program) Team to identify and underwrite distressed real estate loans. Direct support to two senior relationship managers and coordinators.
• Two months after hire - managed the Confidential, WI - NE Wisconsin commercial real estate portfolio of over 200 clients totaling $105MM for 4 months after the departure of the RM and Coordinator. Received special bonus for managing the portfolio until new team hired and trained.

Confidential, Greensboro, NC

Credit Portfolio Manager

Responsibilities:

• Supported (3) senior level Relationship Managers (RM’s). Primary backup to RM’s. Accompanied RM’s on joint sales calls.
• In 2007 completed 50 credit packages; that included Dual Approval Risk Rating scorecards, Confidential pricing and risk assessments.
• The 2007 approved annual credit review/renewal packages included nearly $16MM in new commercial loans.
• Member of the PRISM Credit Advisory Team that upgraded/launched the new Confidential ’S/ Confidential commercial spreading and PRISM(Primary Risk Metrics) Risk Rate model; and achieved compliance with BASEL ll requirements.
• In ’08 underwrote or renewed in excess of $30.0MM in Dealer Financial Service commercial loans.
• Promoted to CPM in 2009. Managed a commercial credit portfolio in the $25MM to $50MM range plus underwriting new money prospects.
• Completed over 60 bank training courses to stay abreast of changing federal compliance regulations; changes to lending/underwriting policies; procedures; guidelines and new system/software changes or updates.

Confidential, Greensboro, NC

Commercial Credit Analyst

Responsibilities:

• Supported three (3) senior credit managers (each with dealer floor plan/ loan portfolios exceeding $150MM).
• Completed over 1,000 Confidential ’s MRA spreads of dealers CPA FYE financial statements and business tax returns w/K-1’s; dealer monthly company-prepared financial statements for trend analysis; the owners personal tax return and annual personal financial statement.
• Supervised a 10 to 15 auto dealer portfolio of floor plan and commercial real estate loans in the range of $50MM to $62MM.
• Completed annual reviews on the 10 to15 assigned dealers - on schedule.
• Completed the two-week formal classroom bank training course - Omega Financial Analysis.

Confidential

Wholesale Credit Analyst & Auditor

Responsibilities:

• Achieved “0” wholesale floor plan construction equipment losses in 5/1/2 years of managing or supervising the wholesale portfolio that averaged $275MM - $325MM.
• Managed SAU (sold and unpaid) dealer receivables averaging $15-$29MM monthly.
• Prepared detailed weekly risk assessment and wholesale portfolio analysis reports for the VP of Risk - Dealer Credit.
• Finalized fourteen (14) new dealer packages in FY ’2001 that accounted for $30.0MM in new equipment floor plan lines.
• Completed (24) dealer reviews in FY’2000 renewing over $200MM in wholesale floor plan credit lines.
• Responsible for all credit functions relating to the start-up of Volvo Construction Equipment’s new captive finance company. Negotiated 25 individual floor plan financing and credit/legal document packages with dealership owners and their legal counsel.
• Managed a $275 - $325MM wholesale portfolio covering (39) U.S. dealers and (3) Canadian dealers.
• Coordinated daily funding of US and Canadian construction equipment invoices averaging $2 to $3MM.
• Managed $8-$20MM in monthly SAU's (sold and unpaid) equipment invoices to corporate and municipal customers.
• Trained (2) wholesale teams to manage daily funding, lockbox applications, dealer billings of monthly: interest, rental curtailments, and equipments curtailments or maturities, collection of wholesale receivable invoices.
• Granted $2.0MM temporary over-line authority/ $1.0MM permanent line increase authority on dealer credit lines.
• Drafted (15) credit policy & procedures; and (30) credit approval - renewal/collection forms that were approved and received ISO 9000 certification.