Credit Officer - Senior Vice President Resume Mount Laurel, New Jersey - Hire IT People

TECHNICAL SKILLS:

PROFESSIONAL EXPERIENCE:

Credit Officer - Senior Vice President

Confidential, Mount Laurel, New Jersey

Hired to restructure and transform existing credit function.
Commercial Loan Underwriting - $1.0MM Single Signature Lending Authority. Consumer Loan Underwriting - $750M Single Signature Authority. Voting member for both Board Commercial Loan Committee & Board Rate Committee.
Responsible for managing the entire credit underwriting process for the Bank.
Prepare monthly ALLL, FAS 5, & FAS 114 calculation and analysis.
Manage portfolio risk; significantly reduced Criticized and Classified Assets.
Developed and implemented a new commercial credit policy and risk rating system.
Restructured Bank Culture - Developed Bank Mission Statement, Core Values, & Client Experience.
Successfully worked with external auditors and bank regulators during examination process.

Credit Officer / Senior Underwriter - Vice President

Confidential, Philadelphia, Pennsylvania

Commercial Loan Underwriting - $5.0MM Single Signature Lending Authority. Responsible for coordinating the credit underwriting and portfolio management process for sales groups in multiple states (PA, NJ, NY, DE).
Underwrite, structure, price & negotiate new and renewal credit facilities for Commercial Real Estate, Business Banking, Small Business Banking, Private / Wealth Banking Clients. Facilitated specialized loan structures as well as traditional financing.
On a yearly basis, I have reviewed and decisioned over $200MM in credit transactions with total credit approved in excess of $150MM+. The ability to maintain a high level of production and performance without sacrificing credit quality or service as evidenced by a portfolio generating lower than average delinquency and charge-off rates.
Consistently the top ranked Credit Officer among approximately 55 Credit Officers within my Division. Rankings based on credit quality, production, leadership, & internal/external customer satisfaction. Received the 2011 Community Banking Top Performer Award.
Worked with other senior level Risk personnel to formulate credit policy changes and underwriting guidelines.
Effectively partnered with sales leadership to accomplish & achieve segment related production and profitability goals while communicating risk parameters and gaining line support for credit quality goals.