SUMMARY

Banking Professional with diverse experience in commercial and consumer lending, providing creative financial solutions that serve customers and drive sales. Utilize strong relationship building skills and accurately analyze financial data (financial statements, personal/corporate tax returns, market data, business plans, industry trends, loan documentation) to drive sustained organizational performance.Sales, Operations, Compliance, Risk Management, Customer Service, Loan Workouts, Vendor Risk

AREAS OF EXPERTISE:

• Strategic & Tactical Planning
• New Business Development
• Contract Negotiation
• Creating Financial Solutions
• Market Trends/Data Analysis
• Mentoring/Training

PROFESSIONAL E XPERIENCE

Confidential, Hamburg, NY

Credit Analyst

Responsibilities:

• Temporary position. Prepare commercial loan review presentations and line of credit renewals in accordance with Confidential standards.
• Provide insightful support to commercial relationship managers through analysis of borrower/guarantor cash flow, collateral, and loan covenant monitoring.
• Responsible for the accurate spreading of financial data using Sageworks, pricing models, and other credit - related software. Identify potential strengths and weaknesses within commercial lending relationships make recommendations accordingly.

Confidential, Buffalo, NY

Vendor Risk Senior Corporate Analyst

Responsibilities:

• Contractor/Fixed-Term assignment. Identify, measure, assess, and report potential risk within First Niagara's third party vendor relationships.
• Vendor risk assessments include compilation and review of vendor financial information, contract review, determining the adequacy of internal controls and business continuity plans, and reporting results to Senior Management.

Confidential, Getzville, NY

Collections and Recovery Specialist II, Loss Mitigation

Responsibilities:

• Contractor/Fixed-Term assignment. Collaborated with Confidential & Confidential Loss Mitigation personnel in the restructure of non-performing residential mortgages.
• Finalized restructure closings through documentation review, suspense fund processing, and follow up verification to ensure processing and system accuracy.

Confidential, Buffalo, New York

VP Relationship Manager, Commercial Lending

Responsibilities:

• Provided commercial lending products and services to real estate developers throughout the US.
• Managed existing relationships through continual customer engagement and sought new business opportunities through lead generation and prospecting.
• Continuously reviewed portfolios to ensure adherence to credit quality, volume, yield, and profitability targets.
• Increased loan portfolio from $150MM to $350MM by effectively managing client relationships ranging between $5MM and $100MM.
• Successfully monitored borrower financial improvement or deterioration trends, negotiated, structured, and underwrote credit facilities for existing and prospective relationships.
• Identified cross sell opportunities within customer base and coordinated sales personnel follow up to create additional revenue.
• Effectively monitored compliance, including processes for management of operational risk in accordance with Bank and regulatory standards.
• Received no third party regrades throughout tenure; successfully reviewed and maintained appropriate credit risk ratings for customers within the portfolio.
• Received satisfactory ratings for both regulatory and internal audits throughout tenure.
• Held departmental operating expenses within budget throughout tenure.
• Maintained open communications and positive rapport with borrowers as HSBC exited the product line.
• Completed the orderly liquidation of the product line with minimal chargeoffs, writedowns, or losses.

AVP Relationship Manager

Confidential, Boston, Massachusetts

Responsibilities:

• Provided asset-based loans and Confidential products and services to middle market companies throughout the Northeastern US.
• Regularly developed and pursued potential new business opportunities while tending to the needs of an existing customer base.
• Managed a $30MM loan portfolio, relationships ranged between $5MM and $25MM.
• Closely monitored borrowers through financial statement and borrowing base analyses.
• Consistently negotiated and structured credit facilities for existing and potential customers, and performed underwriting, and collaborated with outside counsel to document credit facilities in accordance with approved terms.

AVP Relationship Manager

Confidential, Albany, New York

Responsibilities:

• Mitigated commercial loan losses by working closely with small business and middle market problem borrowers on creative solutions with clients located throughout New York State.
• Managed a criticized loan portfolio of $10MM aggregate, individual relationships ranged between $100M and $3MM.
• Effectively reviewed and assessed loan collateral and analyzed borrower financial trends and business viability, negotiating and restructuring credit facilities or orderly liquidation of collateral as needed.

Senior Loan Administration Officer

Confidential, Buffalo, New York

Responsibilities:

• Provided administrative support to commercial real estate relationship managers.
• Reviewed construction loan draw documentation for accuracy and eligibility.
• Prepared departmental expense budgets, loan advance/repayment tracking, account reconciliations, and credit file maintenance.