Consultant Resume

PROFILE:

Formally credit trained MBA with fifteen plus years of experience in commercial banking encompassing credit, financial analysis, business development and commercial lending.
Experienced in liquidation, credit audit, portfolio management and restructuring solutions.
Effective in gaining consensus and developing impact solutions.
Completed Credit Audit on over $1.5Billion of commercial real estate and C&I loans.
Provided analysis, quarried loan officers, drafted a report with risk ratings/work out solutions.
Eight years of experience with both C&I and Commercial Real Estate loans.
Liquidation experience - held eight separate companies in receivership with $50MM in bad loans already written off by the bank.
Twelve years of credit decision experience with various regional and national banks and defending their credit quality to executive management.
Experience in financing structures includes: HLT’s, LBO’s, cash flow lending, ABL’s, distressed debt, acquisition financing, work outs/restructures.

TECHNICAL SKILLS:

Software: Microsoft Excel (Advanced level), Visual Basic, Macros, Pivot Tables Python(Pandas, Numpy, Matplotlib) R, SQL, HTML5, CSS

Modeling Skills: DCF, Cash flow modeling, NPV, EVA, Scenario Analysis

EXPERIENCE:

Confidential

Consultant

Responsibilities:

Performed financial analysis, financial modeling on Commercial Real Estate and C&I portfolios.
Executed due diligence on credit portfolios in order to get them to become compliant with Confidential requirements.

Confidential

Financial Analyst

Responsibilities:

Confidential

Credit Consultant

Responsibilities:

Confidential, Boston, MA

AVP/Portfolio Manager

Responsibilities:

Credit analysis and financial analysis on existing business customers and new clients.
Made recommendations and assigned credit grades on the C&I, Real Estate and Confidential portfolio.
Structured deals that were in compliance with the policies of the bank.

Confidential, Worcester, MA

Credit Analyst

Responsibilities:

Performed credit analysis, financial analysis and loan structuring on new and existing firms for the C&I and Real Estate portfolios.
Credit portfolios from $1MM to $25MM with the primary focus on a diverse array of C&I and Confidential credits.
Utilized credit, corporate finance and financial modeling techniques.

Confidential, Cambridge, MA

Business Banking Officer

Responsibilities:

Business development, called on middle market companies in the greater Boston/#128 marketplace.
Managed relationships and engaged in cross selling of all bank products and services including cash management and lending products.
Generated $40MM in new business.

Confidential, Salt Lake City, Utah

Commercial Loan Officer

Responsibilities:

Developed $25MM in new commercial accounts and managed $40MM in commercial loans.
Restructured loans in order to protect the collateral of the bank.
Successfully completed an exemplary credit program in order to become certified as a credit profession in Commercial Lending.
Performed credit analysis on the C&I, Real Estate and Confidential portfolios.

Confidential, Hartford, CT

Commercial Loan Officer

Responsibilities:

Managed a commercial loan portfolio of $60MM.
Improved portfolio quality through stronger underwriting parameters and tighter loan covenants.
Liquidated 10 firms totaling $100MM resulting in minimal losses.
Restructured $25MM in real estate loans. .