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Chief Credit Officer Resume

Raleigh North, CarolinA

SUMMARY:

  • Dynamic Director of Commercial Credit Risk and Underwriting with more than 13 years of financial industry experience.
  • Demonstrated underwriting expertise with Commercial, CRE, C&I, Unsecured and Leveraged Space loans with personal approvals up to $1 million dollars per loan.
  • Proven credit team and portfolio management and analysis experience.
  • Skilled at loan risk analysis developing data comparison analytics and metrics to rate default migration patterns.
  • Solid knowledge of credit review policies and procedures to ensure best practices, and legal and regulatory compliance.
  • Commercial Credit Risk Budgeting / Forecasting Market Indexing / Valuations Financial Statements
  • Risk Management M&A Reporting Business Development Communications Retail Lending
  • Financial Analysis Modeling Validation Consulting SOX Compliance Team Leadership / Motivation
  • Venture Capital Analysis Leveraged Lending Analysis Loss Migration Analysis Credit Review Underwriting
  • Credit Testing Risk / Credit Policy Performance Management Loan Portfolio Analysis Client Relations
  • Commercial / Syndicated Lending Credit Review Determination/Construction Commercial Real Estate Lending
  • Targeted Portfolio Wide Review Creation Deal Structures Credit Team Leadership Portfolio Management
  • Budgeting and Ratio Analysis Balance Sheet and Income Statement Role up Forecasting Counterparty Risk
  • P&L entry and analysis Equipment Leasing/Financing (Large and small equipment) Commercial Space Utilization

COMPUTER SKILLS:

Microsoft Office Suite, Tableau, MS Power BI, Lotus NotesInvestran, Baker Hill Credit Software, Capital Stream, D&B, Moody’s Spread Analysis

PROFESSIONAL EXPERIENCE:

Confidential, Raleigh, North Carolina

Chief Credit Officer

Responsibilities:

  • Developed risk rating model using large national database of nonprofit borrowers with over 10 years of historical data determining based upon geography, revenue size banding where each model for each business type subset needed to be set and which ratios were to be used for each individual model.
  • Worked with the sales group to develop a roadmap of high worth contact groups including national and regional levels nonprofits as well as local CDFI’s that need to be contacted by Confidential .
  • Provided financial analysis of prospective borrowers as well as lenders, where applicable, for the sales group as a primer prior to any meetings being had on behalf of Confidential .

Confidential, Raleigh, North Carolina

Financial and Data Analyst

Responsibilities:

  • Prepared accurate reports for risk analysis and security for $115 million real estate portfolio. Assembled five data sources for imbedded excel formulas analysis.
  • Developed end - to-end space matrix tool for property analysis. Utilized tool for 75 properties to determine potential savings for downsizing or subleasing vacated space to save client cost.
  • Created centralized dashboard to track individual properties and portfolios. Developed Microsoft Power BI program linked to three data depositories to create dashboards capable of analyzing six to eight critical data points.

Confidential, North Carolina

Chief Credit Risk Officer

Responsibilities:

  • Reduced monthly report processing time from three to five days to one. Worked with software vendors to streamline report operations into an automated process.
  • Developed monthly local and regional macro-economic conditions reporting for portfolio risk and FICO rating migration.
  • Added underwriting global cash flow methodology and metrics tracking for risk level assessments.
  • Utilized salary and unemployment county data from North Carolina website to evaluate local economic conditions to evaluate regional portfolio macroeconomic risk.
  • Launched credit review of non-performing and Trouble Debt Restructured loans on regulator’s recommendation.
  • Reviewed 120 loans carrying a TDR status discovering 30 of 120 loans designated as non-performing were paid or written off, and were incorrectly recorded on the general ledger system.
  • Validated and in some cases provided new collateral and or PVFC valuations based upon the primary method of repayment of each troubled loan.

Confidential, Raleigh, North Carolina

Senior Credit Risk Review Officer

Responsibilities:

  • Reviewed Commercial and Industrial portfolios for internal policy compliance and risk.
  • Targeted 30 borrowers for review based on international exposure and developed metrics to determine the level of EBITDA derived from outside North America.
  • Found 24 0f 30 borrowers with total exposure of $1 billion lacked proper international exposure risk assessment.
  • Developed recommendations to qualify and mitigate risk.
  • Researched Venture Capital firm loans as part of the Credit Risk Review team.
  • Examined risk mitigation and quantification for underwriting of continuous pro-forma and adjusted financials. Reviewed migration of loans to special assets. Discovered substantial number of loans not repaying principal over the first three to five years of the loan or booked to special assets group in under 12 months.
  • Analyzed major loans tied to municipalities and states experiencing declining populations with large public union pensions and medical obligations. Applied actuarial accounting to assets and obligations and determined a $1.2 trillion shortfall.

Confidential, Raleigh, North Carolina

Senior Credit and Portfolio Manager

Responsibilities:

  • Served as field underwriter and portfolio manager with lending authority up to $1 million.
  • Worked with five business banking loan-officers producing revenues $500,000 to over $20 million annually. Client facing role.
  • Underwrote SBA, C&I, CRE, Equipment, corporate cards as well as all other asset based loans.
  • Established the probability of default, did all cash flows as well as structured and priced loans.
  • Underwrote, originated and structured new loans within the greater Raleigh area expanding loan book from $2 million to $15 million within nine months.

Confidential, Troy, North Carolina

Regional Credit and Portfolio Manager

Responsibilities:

  • Developed in-house database query tool to determine county-to-county analysis. Allowed risk assessment based on the general economic conditions.
  • Researched Troubled Debt Restructures by studying general ledger system and pulling loans with fixed payments, floating rates and amortizations over seven years. Discovered $350 million out of $1.9 billion in total loans fell into the category. Assembled data on excel spreadsheet providing renewal and risk information for executive leadership.
  • Analyzed credit worthiness of complex commercial, mortgage and investment loans by compiling financial information global cash flows and relationship summaries. Developed list of client relationships over $1 million for external-auditor credit portfolio review.

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