Arthur Mccray's Location
Garwood, New Jersey, United States, United States
Arthur Mccray's Contact Details
Arthur Mccray work email
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Arthur Mccray personal email
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About Arthur Mccray
Highly qualified individual with expertise in underwriting due diligence, portfolio management, credit review and Asset Based Lending field examination. Experienced in asset based and cash flow lending with emphasis on risk management as it relates to unpredictable cash flows, high leverage, and rapid growth. Deal size ranged from $25 million to $425 million covering various industries (marine transport, consumer products, greige goods, wholesale apparel distribution, plastics, heavy manufacturing, chemicals, metals, and financial services).
Arthur Mccray's Current Company Details
Commercial Loan Underwriter, 1st VP at Sterling National Bank
Arthur Mccray Work Experience Details
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Commercial Credit UnderwriterSterling National Bank Jun 2018 - Aug 2020New York, New York, United StatesEnhanced shareholder value by underwriting and closing $220 million in commitments.Worked collaboratively with the business development team to establish solutions / recommendations to gain credit approval.Provided in-depth narrative and analysis related to the borrower and guarantors, repayment ability, sources of repayment, financial statements, and collateral.Prepared risk assessments and presented senior management with a clear approach to mitigate risks.Ordered appraisals,… Show more Enhanced shareholder value by underwriting and closing $220 million in commitments.Worked collaboratively with the business development team to establish solutions / recommendations to gain credit approval.Provided in-depth narrative and analysis related to the borrower and guarantors, repayment ability, sources of repayment, financial statements, and collateral.Prepared risk assessments and presented senior management with a clear approach to mitigate risks.Ordered appraisals, environmental reports, field examinations and credit reports in compliance with bank policies and procedures.Oversaw the preparation and negotiation of legal documents.Assigned various projects in support of the portfolio management team. Show less -
Vice President, Commercial Loan Underwriter / Portfolio ManagerProvident Bank Jul 2014 - Jun 2018Iselin, NjEstablished policies and procedures for the newly established Asset Based Lending department.Supported the ABL team in the underwriting, as well as portfolio management of ABL facilities.Underwrote and closed $125 million in commitments.Provided narrative and analysis related to the borrower and guarantors, repayment ability, sources of repayment, financial statements, and collateral.Maintained an active role in the preparation, submission, and presentation of credit write-ups… Show more Established policies and procedures for the newly established Asset Based Lending department.Supported the ABL team in the underwriting, as well as portfolio management of ABL facilities.Underwrote and closed $125 million in commitments.Provided narrative and analysis related to the borrower and guarantors, repayment ability, sources of repayment, financial statements, and collateral.Maintained an active role in the preparation, submission, and presentation of credit write-ups to the Credit Committee.Executed and closed all ABL facilities. Show less
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Vice President, Commercial Loan Underwriter / Portfolio ManagerSun National Bank Oct 2009 - Jun 2014Edison, New Jersey, United StatesInstrumental in building an Asset Based Lending department.Developed credit policy and procedures to minimize risk of loss to the Bank.Enhanced shareholder value by underwriting and closing $86 million in commitments.Collaborated with the deal team to market and cross sell the Bank's products and services. -
Vice President, Portfolio ManagerGe Capital, Commercial Finance Nov 2006 - Feb 2009Norwalk, Connecticut, United StatesManaged a diverse portfolio (aerospace, technology, retail, agriculture, and chemicals) of Middle Market and Investment Grade loans with a $6.1 billion commitment.Identified and negotiated major terms and loan structure, including loan amount, covenants, repayment methods and collateral requirements.Analyzed borrower's financial position and credit worthiness to ensure loans were appropriately supported and met credit requirements for lending quality and compliance as determined by… Show more Managed a diverse portfolio (aerospace, technology, retail, agriculture, and chemicals) of Middle Market and Investment Grade loans with a $6.1 billion commitment.Identified and negotiated major terms and loan structure, including loan amount, covenants, repayment methods and collateral requirements.Analyzed borrower's financial position and credit worthiness to ensure loans were appropriately supported and met credit requirements for lending quality and compliance as determined by credit policy.Underwrote $425 million in new asset based and cash flow structures.Maintained quality client relationships. Show less
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Vice President, Loan ReviewerGe Capital, Commercial Finance Jan 2004 - Nov 2006Norwalk, Connecticut, United StatesConducted credit review analysis of the C&I loan portfolio to ensure compliance with credit policy regarding loan underwriting, approval, and risk management.Reviewed the financial position of the Borrowers and their ability to repay the debt.Ensured that loans were properly monitored and accurately risk rated by account management. Ensured that account management could substantiate all risk rating overrides.Reviewed collateral/credit risk issues identified in external examinations… Show more Conducted credit review analysis of the C&I loan portfolio to ensure compliance with credit policy regarding loan underwriting, approval, and risk management.Reviewed the financial position of the Borrowers and their ability to repay the debt.Ensured that loans were properly monitored and accurately risk rated by account management. Ensured that account management could substantiate all risk rating overrides.Reviewed collateral/credit risk issues identified in external examinations to ensure follow-up by account management.Communicated results of credit review to senior management team and suggested recommendations / action plan to support their continued improvement goals. Show less
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Assistant Vice President, Audit ManagerGe Capital, Commercial Finance Mar 1999 - Jan 2004Norwalk, Connecticut, United StatesSupervised field examinations of non-investment grade companies seeking ABL financing.Supervised and directed associates in the planning, execution and reporting of field examinations.Reviewed examination reports and advised appropriate credit personnel on the implications of risk issues identified during the field examination.
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Vice President, Portfolio ManagerThe Cit Group, Credit Finance, Inc. May 1998 - Jan 1999New York, New York, United StatesManaged a $150 million Middle Market portfolio.Structured new business development opportunities.Negotiated legal documents and closed transactions.Maintained appropriate client collateral reporting including monitoring the receipt of borrowing base data and compliance.Facilitated the collection of financial information from borrowers and prospects. Assured that facilities were accurately risk rated and in compliance with covenants.Ensured compliance with all regulations… Show more Managed a $150 million Middle Market portfolio.Structured new business development opportunities.Negotiated legal documents and closed transactions.Maintained appropriate client collateral reporting including monitoring the receipt of borrowing base data and compliance.Facilitated the collection of financial information from borrowers and prospects. Assured that facilities were accurately risk rated and in compliance with covenants.Ensured compliance with all regulations, policies, and procedures. Show less
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Vice President, Team Leader, (Position Eliminated In May 1998)The Cit Group, Credit Finance, Inc. Jan 1997 - May 1998New York, New York, United StatesOversaw a $300 million portfolio.Supervised a staff of three associates.Ensured appropriate handling of daily workload.Kept abreast of all changes in policies and procedures to ensure compliance with current guidelines.Structured new and existing financings.Member of the Regional Credit Committee.
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Account Executive, AvpThe Cit Group, Credit Finance, Inc. Jan 1995 - Dec 1996New York, New York, United States
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Audit ManagerThe Cit Group, Credit Finance Jun 1993 - Dec 1994New York, New York, United StatesConducted on-site examinations of the books and records of prospective customers to determine feasibility of a financing relationship.Performed various analyses on accounts receivable, inventory and fixed assets to assess compliance with the required reporting.Advised management on the operations of prospects and the adequacy of their pledged collateral.Supervised and trained seven junior associates.
Arthur Mccray Education Details
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Accounting
Frequently Asked Questions about Arthur Mccray
What is Arthur Mccray's role at the current company?
Arthur Mccray's current role is Commercial Loan Underwriter, 1st VP at Sterling National Bank.
What is Arthur Mccray's email address?
Arthur Mccray's email address is ar****@****nt.bank
What schools did Arthur Mccray attend?
Arthur Mccray attended Manhattan College.
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Arthur McCray Jr.
Enrollment Specialist | Athletic And Transfer Student Admissions Counselor At Penn State New Kensington (The Pennsylvania State University)Apollo, Pa -
Arthur McCray
Physicist In Electron Microscopy And Magnetic Materials | Phd In Applied PhysicsRedwood City, Ca1cornell.edu -
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