Andre Gray Email & Phone Number

Fort Lauderdale, Florida

• Building and maintaining strong client relationships with individual dealerships and dealer groups with annual sales ranging from $20MM to $400MM in the Florida, Georgia and Tennessee markets. Portfolio size exceeds $600MM+ • Prospecting for new clients and selling deeper to existing clients to consistently meet sales goals and portfolio management objectives. Lead generation through CPA and attorney networks. Products sold include Wholesale Floor Plans Loans, Commercial Real Estate Loans, Capital Loans, and Working Capital Lines of Credit. Preparing and presenting prescreen memos and term sheet proposals to risk management for approval. Presenting approved term sheet proposals to clients. • Preparing and evaluating pricing models to meet the Bank’s ROA, ROE and Basel III requirements. • Structuring and re-structuring commercial loans through the identification of potential credit, industry and economic issues/trends. Providing clients with value added solutions while minimizing portfolio credit risk. This includes providing clients with extensive company and industry insights from a client advisory perspective. • The review/underwriting of credit packages based on an assessment of client’s credit risk profile, financial condition, repayment capabilities, collateral position, guarantor strength, industry & economic trends, and adherence to Bank policies. Actively participating in the supervision, development and training of underwriters and credit analyst. • Partnering with Relationship/Client Managers, Treasury Officers, Private Wealth Specialists, Derivative Specialist, etc. to cross sell clients the wide array of products offered by the Bank including: Treasury Management, Merchant Services, Private Banking/Wealth Mgt., Estate Planning, Swaps, etc. • Detailed documentation of new and existing loans in the portfolio. Includes working with inside and outside counsel during negotiation of documents to ensure for timely delivery and execution.

Fort Lauderdale, Florida

Responsibilities included/Highly experienced in (Dealer Finance and Commercial Middle Market):• Building and maintaining client relationships with individual dealerships and dealer groups with annual sales ranging from $10MM to $200MM in the South Florida market. • Being actively involved in the prospecting of new clients and selling deeper (cross selling) to existing clients. • Providing detailed credit analysis and underwriting of Commercial Dealer Services new and existing business.• Detailed documentation of new and existing loans in the portfolio. • Providing Portfolio Management for Commercial Middle Market Department (Diversified Commercial Credit). Included being a catalyst for revenue growth from new and existing commercial businesses while minimizing Bank portfolio credit risk.• Building and deepening client relationships from the generation and maintenance of profitable commercial loans across several industries such as retail, wholesale, construction, real estate, insurance, professional (e.g. lawyers, doctors, etc.).• Detailed analysis and underwriting across industries for new and existing businesses.• Cross selling Bank products with partners in various product lines to retain and deepen the existing portfolio and expand product lines while increasing client profitability. • Consistently met all individual and departmental sales goals while minimizing portfolio risk to the Bank.

Deerfield Beach, Florida

Responsibilities included/Highly experienced in:• All aspects of dealer financing for new and existing business development. This includes, prospecting, detailed analysis, underwriting and review of all dealer finance products for new and existing clients to ensure a sound credit portfolio. • Monitoring and maintaining a portfolio of Toyota and National Mega Dealership Groups (35-40 accounts with over $300MM in exposure). Experienced in managing all dealership loan servicing needs e.g. flooring request, overlines, audit issues, etc.).• Booking, funding, and documenting all loans related to dealership financing. Detailed knowledge of all pre and post funding requirements. • The resolution of Out-of-Trust situations, including the determination of fraud, directing and participating in the recovery of loaned funds, and protecting the lenders assets during the “work out” period.• Assisting in the management of departmental workflow including: supervising and training junior analyst; maintaining credit quality; and maintaining credit files/logs, etc.

Plantation, Florida

Commercial middle market experience:• Commercial Real Estate Lending including owner occupied properties, construction, investor, etc. • Asset Based Lending; determining eligible A/R, determining eligible inventory; assessing the receivable and inventory quality, borrowing base and liquidation risk assessment, etc.

Master Of Business Administration (M.B.A.), Accounting And Business/Management

Activities and Societies: MBA Society (FIU)

Bachelor'S Degree, Accounting And Economics

High School