Benjamin Buhler Email & Phone Number

• Effectively managed a $45MM commercial loan portfolio and generated an additional $40MM in new loan applications within the first 60 days of employment.
• Negotiated with multiple stakeholders, including client, broker, and participant bank, to appropriately structure a $26MM multi-family loan to the satisfaction of all parties (loan to close June 2023).
• Coordinated with internal and external stakeholders to solve issues relating to final disbursement of funds for an SBA 7(a) construction loan while maintaining good standing with SBA’s guarantee policy, resulting in.

Bellingham, Washington, United States

• Successfully managed a $35MM commercial loan portfolio while producing $15MM in new commercial loans during the COVID pandemic.
• Generated over $5MM in new loan referrals by attending multiple events and networking functions.
• Successfully maintained a delinquent reporting ratio below 0.50% by implementing reporting processes with clients to ensure compliance with Business Loan Agreements.
• Generated 24 Paycheck Protection Program loans and worked with clients to achieve full loan forgiveness for 96% of clients.

Portland, Oregon Area

• Developed understanding of client’s needs based on analysis of financial data gathered through relationship reviews and personal meetings leading to improved compliance with Bank loan agreements.
• Designed and implemented workflow tracking for the department resulting in improved reporting of underwriting assignments and a reduction in lead time for allocating responsibilities.
• Project lead to determine the root cause of systemic software issues related to functionality and reporting, culminating in improved accuracy or reporting.
• Consistently delivered quality analysis of complicated credits to ensure timely decision making and risk mitigation.

• Accurately spread and analyze financial statements and tax returns for commercial loan opportunities.
• Prepares written analysis to accurately identify problems, trends, and changes in financial statements, cash flow, and ratios.
• Assist in preparation of loan approval package required for submission to Team Leader/Credit Administration/Senior Loan Committee, including credit memo, grade and narrative.
• Ensured completeness, accuracy, and timely administration of loan applications and required documentation in order to perfect Bank’s collateral position.
• Developed loan report matrix to analyze differences in loan pricing and structure between different lenders and business sectors resulting in increased pricing consistency across department.

Bellingham, Washington Area

Greater Seattle Area

• Developed a comprehensive loan maturity report detailing the expected maturity dates for the company’s construction loan portfolio, resulting in an increased construction loan budget.
• Managed commercial loan portfolio by ensuring all loans were reconciled with their respective Business Loan Agreements, resulting in improvement of the yearly FDIC audit score.
• Developed comprehensive analysis of financial statements and tax returns to present an accurate depiction of clients’ cash flow, leverage and financial health resulting in an improvement in overall loan portfolio risk.

• CEBR helps local businesses improve their bottom line through strategic and financial analysis.
• Developed an economic impact analysis model depicting changes in the local industry labor market that was used by the State of Washington for economic planning.
• Worked with stakeholders to develop a fiscal analysis model indicating the impact that a proposed annexation of a section of Whatcom County territory into the City of Bellingham would have on their business.
• Completed a market impact study, which was published via an article in the Bellingham Herald, denoting the effects of the declining Canadian dollar on the local economy.
• Worked in conjunction with my focused effort to complete my MBA.

Master Of Business Administration (M.B.A.), Business Administration And Management, General, 3.84

Activities and Societies: Betta Gamma Sigma Member

Bachelor Of Arts, Business Administration; Management

Activities and Societies: Northwest Human Resource Management Association Member