A.J Javed Email & Phone Number

Richardson, Texas, United States

Richardson, Texas, United States

-Manage and grow a portfolio of commercial clients with annual revenues up to $100 million.-Develop and maintain strong relationships with key decision-makers within organizations, understanding their business objectives, challenges, and financial needs.-Conduct comprehensive financial analyses of clients' businesses, assessing cash flow, profitability, risk factors, and overall financial health.-Collaborate with internal teams, including credit analysts and underwriters to structure and deliver tailored banking solutions that align with clients' strategic goals.-Act as a trusted advisor to clients providing strategic financial guidance and recommending appropriate solutions to optimize their financial performance and mitigate risks. -Negotiate terms and conditions of credit facilities, ensuring alignment with clients' needs and risk parameters while maximizing profitability for the bank.

Dallas, Texas, United States

-Evaluate credit applications for large commercial and middle-market companies seeking financing, including loans, lines of credit, and other banking products.-Conduct comprehensive financial analyses of borrowers' financial statements, tax returns, cash flow projections, and other relevant documentation to assess credit risk and repayment capacity. -Analyze industry trends, market conditions, and economic factors impacting borrowers' businesses to identify potential risks and opportunities.-Review and interpret complex legal documents, including loan agreements, security documents, and collateral valuations, to ensure compliance with bank policies and regulatory requirements.-Prepare detailed credit memoranda and present findings to senior management and credit committees, providing clear recommendations and risk mitigants.-Mentor and train junior underwriters providing guidance, support, and feedback to develop their skills and knowledge.

Dallas, Texas, United States

-Coordinate the loan closing process for middle-market commercial loans, including term loans, lines of credit, and commercial real estate loans.-Review loan documentation and ensure completeness, accuracy, and compliance with regulatory requirements, bank policies, and loan approval terms.-Communicate with Relationship Managers, Underwriters, Legal Counsel, and external parties (e.g., borrowers, attorneys, title companies) to obtain necessary documentation and resolve any issues and discrepancies. -Prepare loan closing packages, including loan agreements, promissory notes, security documents, and other legal instruments, ensuring proper execution and notarization.-Coordinate loan funding and disbursement activities, verifying wire instructions, monitoring funding sources, and ensuring funds are disbursed in accordance with loan agreements. -Review loan documentation and post-closing to ensure accuracy and completeness, addressing any deficiencies or discrepancies identified during the loan closing process. -Provide support and assistance to Relationship Managers, Underwriters, and other team members throughout the loanclosing process, responding to inquiries and resolving issues promptly.

Dallas, Texas

I served as a trusted advisors for individuals looking for banking solutions for their business and personal needs by using a relationship building approach. By taking the time to learn about my clients I am able to develop financial goals to help serve as guidance for current, short term, or long term needs.Comerica Bank, headquartered in Dallas,TX, has served our communities as a commercial and industrial financial institution for over 165 years. Through our expertise in the market and maintaining a focus on relationship building, Comerica has earned the reputation as the “Business Bank of Choice” according to the 2013 Greenwich Excellence Awards.