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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:

  • Performed financial analysis and capital budgeting on customers.
  • Managed client billing and A/R’s.
  • Drafted project proposals and Pro-forma financial statements for the firm.

Confidential

Credit Consultant

Responsibilities:

  • Performed credit analysis, and financial analysis on new business customers.
  • Made recommendations and assigned credit grades on C&I, and Real Estate.

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. .

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