SUMMARY:

Experienced and Credit Trained Portfolio Manager & Relationship Management Officer with significant expertise in business banking and asset based lending that offers a unique blend of portfolio management, relationship management, underwriting credit and financial analysis, and auditing experience with an outstanding record of sound business judgment, and exceptional analytical and decision making abilities. Recognized for strong leadership, organization and interpersonal skills.

STRENGTHS INCLUDE:

• Portfolio Management
• Relationship Management
• Business Development
• Asset Based & Receivable Financing
• C&I Financing
• Commercial & Residential Mortgage & Construction Financing
• Residential Mortgage, Co - Op and Condo Financing
• SBA Financing
• Underwriting & Loan Structuring & Pricing
• Credit and Financial Analysis
• Cash Flow Financing
• Problem Loan Restructuring and Loan Workouts
• Credit Approval Authority
• Mergers & Acquisitions
• Loan Syndication
• Letter of Credit & Bankers Acceptances
• Inventory Floor Plan Financing
• Auditing

PROFESSIONAL EXPERIENCE:

CONSULTANT

Confidential

Responsibilities:

• Working with contract risk management groups performing stress testing, risk rating review, regulatory compliance, asset protection and entire portfolio reviews .
• Credit analyst for “ Confidential ” Bank’s Private Clients performing credit investigations, financial & credit analysis and preparing loan/credit packages for refi and tax shelters.
• For commercial banks and finance companies performing financial & credit analysis, asset protection, financial forecasting, industry analysis, loan restructuring and preparing loan/credit packages for prospects and existing customers.
• Auditor/Examiner working with contract audit companies performing due diligence, client audits, and pre-funding examinations analyzing and reviewing various types of record keeping procedures, that included aging analysis, customer’s accounts payable and receivable review and analysis, customer’s disbursement review and analysis, general ledger applications, billing practices, collection procedures, verifications, sales contacts and reporting systems inventory locations and condition, fixed assets verification and valuation, forced sale valuation, among other auditing functions.

Confidential, New York, NY

Vice President Senior Relationship Manager & Senior Portfolio Manager

Responsibilities:

• Partnered with the Business Bankers, Personal Bankers and Financial Advisors within the Manhattan geographic area and identifying the Chase commercial customers and prospects with credit needs.
• Responsible for new business development thru “ Confidential ’s”, existing customer referrals, and prospecting.
• Stacked ranked as one of the top three performers in Index Growth, Checking Production, Saving Production, Credit Production and Cash Management Production, in the Tri-State Areas for 1st half of 2006.
• Achieved above average ROI by maximizing profitability and avoiding loan losses and non-earning assets.
• Serviced my customers by cross sell various bank products that would optimize and streamline their businesses. Succeeded in helping to selling Cash Management products and Merchant Services products.
• Developed new business leads through existing customer referrals, CPA referrals, Attorney referrals and from networking groups.
• Indirect responsibility for mentoring and managing the junior PM’s in credit and portfolio management on my team.

Vice President Senior Credit Officer

Confidential

Responsibilities:

• Underwrote and sponsored the single largest credit approval in the Tri-State area which was a combination of a Revolving Credit line, Equipment Lease line, and Leasehold Improvement Term Loan.
• Accountable to maintaining credit quality, which included advising management of deteriorating credits and downgrading the facility (Risk Rating grade), and recommending appropriate action and following through.

Confidential, Jersey City, NJ

Vice President - Relationship Manager & Portfolio Manager

Responsibilities:

• Ensure quality of the loan portfolio thru daily monitoring the supporting collateral and avoiding loan losses and non-earning assets.
• Successful in managing repayment of a non-performing loan that voided a loan loss of $1.8 million and contributed $1 million in bottom line income to the bank.
• Closed a monthly average of $3 million in new construction, renovation / leasehold improvement financing.
• Responsible for new business development thru “ Confidential ’s”, existing customer referrals, and prospecting.
• Oversaw that the projects financing covenants were being adhered to, which included making sure that site visits were being performed and the project’s construction was on schedule and satisfactory before releasing progress funding.
• Constant communications with Borrowers to provide optimal financing of working capital needs and to cross sell various bank products.
• Succeeded in helping to selling Cash Management products and Commercial Insurance policies to my existing Borrowers.
• Responsible for performed financial and cash flow analysis, projection and forecast modeling and analysis, and preparing written recommendations and presentations to Officers and Senior Credit Committees.
• Work closely with bank’s outside counsel to structure new loans and restructure existing loans.

Confidential, New York, NY

Account Executive

Responsibilities:

• Ensured optimum quality of the loan portfolio.
• Achieved above average ROI by maximizing profitability and avoiding loan losses and non-earning assets.
• Responsible for new business development thru “ Confidential ’s”, existing customer referrals, and prospecting.
• Succeeded in negotiating and restructuring several credit facilities thereby improving bottom line income by an average of 8% and reducing risk considerably.
• Worked closely with Confidential ’s legal counsel in negotiating and documenting new and existing loans.

Senior Auditor

Confidential

Responsibilities:

• Responsible for examining and analyzing the quality of the books and records of both prospective and existing borrowers
• Made recommendations to senior management for approving or declining the loan request, and advised management of changes to advance rates.
• Successfully identified weakness in borrower’s accounting and collateral controls, which resulted in instituting improved controls and avoided loan losses.

Credit Officer & Collateral Manager

Confidential

Responsibilities:

• Implemented an accounts receivable program that addressed the deficiency caused by the rapid turnover of the inventory collateral, which reduced the risk of collateral shortfalls and loan losses.
• Hired, supervised and managing a staff of 15 credit analysts and the underwriting department.
• Supervised 25 contract auditors and managed the scheduling of due diligence and recurring audits.
• Reduced the field examining time to 3 days from 4 days by streamlining the audit program while maintaining audit quality.

Confidential, New York, NY

Assistant Vice President

Responsibilities:

• Performed financial and cash flow analysis, projection and forecast modeling and analysis, and maintained credit quality for seven of the bank’s largest accounts totaling in excess of $500 million.
• Prepared written recommendations and presentations to both the branch internal and senior management’s international credit committees.
• Underwrote two of the largest loan participations in the bank’s portfolio for $110 million and $130 million, respectively.

Confidential, New York, NY

Senior Credit Officer

Responsibilities:

• One of three voting members of the Confidential with approval authority up to $1 million.
• Hired, supervised and managing a staff of 10 credit analysts and the underwriting department.
• Prepared written recommendations and made presentations to the Regional/Senior Credit Committee on credit facilities greater than $1 million.
• Restructured seven loans avoiding potential loan losses of $35 million.
• Successfully liquidated four accounts with minimal loan loss.
• Managed and supervised all aspects of the bank’s Private Label Factoring Division. This division provided funding for 25 borrowers and successfully contributed 18% to the bank’s bottom line profits.