As a Director of Risk at Accord Financial, I am responsible for overseeing the credit risk analysis for a diverse portfolio of Middle Market lease investments in the US Equipment Finance division. Responsibilities include credit underwriting, portfolio management and customer relations.

Portfolio Manager for Middle Market and Mid-Corporate commercial relationships.

Lead a credit underwriting team for the Commercial & Middle Market Banking segments. Create solutions for borrowers, evaluate credit requests from lenders, advise on loan structure and mentor underwriters. Establish workflow priorities and provide timely results to the lending team.

Advise on the credit structure of commercial loan relationships and manage the credit quality and risk profile of loan portfolios. Responsibilities include consulting with relationship managers, risk management and credit on relationship strategy, loan structure, portfolio management and problem credit oversight. Review deal structures and term sheets and meet with current and prospective clients. Additionally, train and instruct credit analysts and monitor workflow for timely turnaround. Experienced with management of problem credits, monitoring trends and escalation of troubled loans.Focus in the areas of C&I, Financial Institutions, Professional Services and Payment Processors for public and privately held companies under $500 million in revenue. Experienced with high risk businesses and leveraged transactions.

Manage loan workouts of distressed corporate loans and challenged real estate projects. Interact with borrowers, attorneys, brokers and other third-party to minimize risk to the bank. Experienced in handling difficult negotiations and use credit knowledge to resolve financially challenged accounts.

Business Banking Relationship Manager specialized in deposit generation, cash management and lending for companies up to $100 million in revenue.

Small Business Relationship ManagerCompleted Formal Credit Training and appointed Credit Analyst Team Leader. (Formerly Old Kent Bank)