Manage a portfolio of large commercial problem loans designated for restructure or work-out. Address defaults through forbearance or revised loan terms, involving negotiation with the borrower as bank increases requirements and pricing to compensate for increased risk. Monitor financial performance and compliance with loan agreements. Serve as customers primary bank contact and point of resolution.

Manage a portfolio of commercial loans within the automotive retail industry. Maintain accuracy of risk ratings, analyze financial reporting and operational results, ensure compliance with loan agreements including covenant compliance, and provide customer support and problem resolution.

2015 to May 2018: Served as second line of defense, providing independent review of the banks implementation of Third Party Risk Management. Bank-wide assessments of vendor Due Diligence and Evaluations, Ongoing Management and Risk Assessment, as well as the Contract process. 2002 through 2014: Evaluated risk rating accuracy and compliance with credit policy for Commercial Lending divisions across the Company. Ran assessments of lending units which included: Credit Process evaluation, Transparency testing, validation of lending policies, procedures, and early warning practices.

Underwrote commercial leases ($50M to $1MM+) for various equipment types to borrowers across a variety of industries.

Formerly Associates Housing Finance - Active within various aspects of dealer flooring for manufactured housing retailers. Underwrote flooring lines, maintained documentation to collateralize loans, and active with the collateral audit process.