Prepare credit proposals and make lending approval/denial recommendations on business purpose loan requests using detailed credit analysis, which incorporates evaluations of historical, actual, and budgeted financial statements; cash flow and collateral coverage; leverage capacity; liquidity position; business viability; guarantor support; inherent industry risk; and adherence to credit policy guidelines and procedures.Early identification and escalation of issues (changes in the borrower’s financial condition, financial and non-financial trends, collateral, and other factors), which may result in risk rating adjustments.Review loan documentation and loan booking details to ensure terms reflected in loan documents match the terms of the credit approval.Respond to time-sensitive requests submitted by internal Loan Review and external auditors.Contribute to the management of risk by continually assessing and monitoring the timeliness of customers’ submissions of ongoing tracking items as well as testing and verifying covenant compliance, borrowing base calculations, annual reviews, and other conditions of credit.Coach, develop, and mentor team members.Actively participate in special projects and pilot groups.

Support team of commercial lenders, with an aggregate loan portfolio of approximately $200MM, mainly comprised of C&I clients located in the greater Chicagoland area, and with gross revenue ranging from $1MM to $50MM. Prepare credit proposals and make lending approval/denial recommendations on business purpose loan requests using detailed credit analysis.Confirm compliance with credit policy and appropriately document variances.Recommend risk rating adjustments based on quantitative and qualitative data.Complete loan package assessment and initial due diligence (i.e. conduct & review UCC search; tract search; flood search; suits, liens, & judgments search; Articles of Inc./Org; By-Laws/Operating Agreement; individual credit report; etc.)Verify, alongside the loan closing specialist, that conditions to close are met before deal closing and funding.Contribute to the management of risk by testing and verifying covenant compliance, borrowing base calculations, annual reviews, and other conditions of credit.On an interim basis, manage CDL/CRA relationship for the bank, which included handling the day-to-day interaction with the client as well as the underwriting and portfolio management responsibilities.Monitor, calculate, and authorize construction draws for specific construction LOC with commitment ranging from $500k to $1MM.Identify & recommend business process improvement opportunities.Participate and present at Credit Committee.

Near seven year tenure at MB Financial, beginning in 2005 with a credit analyst position through the Leadership Development Program (two-year rotational credit analyst program), evolved to a middle market relationship manager role, and culminated with a position as a field credit officer.Acted in an advisory capacity to a commercial group holding $600MM+ in loans by offering guidance on deal structures and suggesting relevant risk ratings, covenant packages and tracking items. Provided Senior Credit Management with concise summaries of strengths and weaknesses of credit opportunities along with approval/denial recommendation supported by specific quantitative and qualitative facts.Prepared reports for senior credit management, summarizing portfolio quality and risk issues with recommended corrective action.Communicated and effectively interacted with all levels of management, including lending personnel, loan operations staff and related departments.Supervised credit analysts:o Coordinated the preparation of Opportunity Memos, Write-ups, Term Sheets/Proposal Letters, etc.o Read/reviewed and opined on the quality, thoroughness, and completeness of a write-up written by credit analysts.o Trained on financial statement analysis, cash flow calculation, collateral analysis, leverage and liability trends and implications, risk assessment, etc.Participated in hiring and recruitment activities, alongside Human Resources, on various college campuses.Directly managed and monitored portfolio of customers which primarily consisted of charter and private schools.Underwriting:o Primary focus was middle market commercial and industrial (C&I) companies, Asset-Based Lending clients and not-for-profit organizations within the Chicago metropolitan area.o Owner-occupied real estate and <$1MM investment real estate deals also underwritten.o Underwrote 501(c)(3) Tax-Exempt /Bank-Qualified Bond Issuances.