Eric Mcfarland, Cfa Email & Phone Number

Salt Lake City, Ut, Us

Orlando, Florida, Us

San Francisco, California, Us

• Built an AI-driven neobank and launched the company’s flagship credit product and cash management services. Lead and approve the structuring of credit opportunities to balance risk and reward using a balanced risk management culture and rigorous credit analysis in the underwriting and portfolio management processes• Responsible for all risk oversight including adherence to credit and risk policies, collateral, documentation and meeting legal and regulatory requirements within the enterprise appetite framework. • Lead and coordinate with product, legal, loan operations/servicing, engineering and other stakeholders on key projects to build credit and risk processes• Develop and deploy risk management tools and processes used in portfolio management and workout/special assets, to maximize risk adjusted growth and meet growing client needs• Build partnerships with external vendors and global stakeholders to deliver on innovative solutions to maintain competitiveness• Conduct real-time and periodic risk reviews over distressed credits, industries and credit products to project portfolio health• Helped lead the Series A raise of $20MM+ equity alongside $150MM credit warehouse facility to support all lending activities

San Francisco, California, Us

• Lead the underwriting department strategy and process development for a leading fintech credit portfolio (last valuation of $12Bn)• Launched Brex Venture Debt; policies, structuring, underwriting, capital raising, product development and legal support• Guide the risk team through the pandemic credit cycle and manage through the ambiguity on key credit issues with limited data• Managed key credit projects and engineering resources for product development and underwriting process enhancements

New York, Ny, Us

• Lead a team of commercial underwriters with senior credit officer approval authority up to $15MM• Developed credit policies and portfolio monitoring including an overhaul of risk rating scale for probability of default estimation• Enhanced distressed credit monitoring and automated early warning system controls; lead director on internal/external credit exams

Salt Lake City, Utah, Us

Manage the credit quality of a $365MM portfolio with over 1,000 borrowers through regular credit analysis with the assistance of an analyst for compliance and financial spreading. Analyze and approve client requests for deal structure modifications including extensions, change of control, and TDRs. Monitor collections and problem credits and recommend recovery tactics which resulted in delinquency rates below 1%.

Santa Clara, Ca, Us

Conduct due diligence on prospective clients in specialty tech/life science industry including market research, revenue model analysis, financial analysis, and risk/reward potential. Assist in debt deal structuring between $1MM-$25MM including financial modeling and term sheet analysis and monitor portfolio performance.

Charlotte, Nc, Us

Research and evaluate financial positions of 60-70 portfolio companies in order to assign risk ratings. Articulate fundamental analysis for syndicated loans averaging $2.76 billion ($180 million average Merrill Lynch participation). Provide coverage of the following industries: financials, technology, and automotive.

Washington, Dc, Us

Analyzed financial positions of numerous national banks during on-site regulatory examinations including research of bank investment portfolios to discover interest rate risk and liquidity risk. Evaluated the earnings and capital compositions at various banks to discover source and stability and discussed critical issues with executive bank management.