Cathy Howard Email and Phone Number

Collateral field exam services for national and regional banks in Houston and surrounding area. Verify accuracy of financial information and assess value and condition of collateral being used to secure bank loans.

Managed planning and execution of training and events enabling internal category, sales and external customers and partner audiences. Collaborated across teams to incorporate innovative commercial products and solutions ensuring lead platform readiness and efficient logistics management with hardware and software teams.

Served as Chief of Staff and closely collaborated with Innovation, HR, Competitive, Current Business and Finance business partners and interlocked with regional partners driving global programs and strategic initiatives.

Strategic partner initiatives owner across business groups and external partners to develop high-impact go to market programs and assets aligned to brand and business goals. Training program management lead responsible for curriculum development, vendor management and budget. Tools and processes efficiencies owner and NPI communications lead.

Collaborated with and aligned Product Management, Worldwide Marketing, Creative Services, Personal Systems Marketing, Regional Business Units, Public Relations, Training and Sales to execute end-to-end product readiness, collateral readiness and measure performance.

Collaborated with Worldwide Printing and Personal Systems Marketing and Regional Business Units to develop training materials and establish region and field readiness. Worked closely with various internal teams, including sales, pre-sales, and channel organizations to understand requirements, initiate programs and ensure execution.

Worldwide Enterprise Editor in Chief responsible for strategic and tactical direction for shared services marketing programs. Delivered dynamic content and behavioral solutions with measurable campaigns across various channels.

• Managed a group of Associates with analytical and portfolio maintenance responsibilities for middle market companies with revenue between $10M and $100M. • Relationship manager responsibilities on a middle market portfolio.Analytical responsibilities included writing and recommending credit structures for clients based on financial statement analysis conclusions, company and industry risk assessment, and information gathering from business owners and upper management. • Portfolio maintenance responsibilities included overseeing the loan review and renewal process for a $500M Middle market loan portfolio.• Relationship manager responsibility included managing a loan portfolio of middle market businesses in various and diverse industries, structuring credit and servicing deposit products including treasury management, capital markets and foreign exchange.• Other experience • Involved in strategic alternative transactions (i.e. comparable company valuations, private placements, LBO models, asset based structures, syndication’s and fuel hedge transactions). • Successful completion of Chase New York Advanced Credit Structuring course Sept. 1999.

Loan Officer – Small Business Banking • Developed and managed small business marketing strategy and credit approval process utilizing 52-branch system.• Responsibilities included expeditiously (72 to 96 hours) processing small business loans by developing a centralized underwriting, processing, monitoring and collection center.• Extensive employee training required regarding the small business marketing strategy and credit approval process.Commercial Banking Representative – Business Banking Unit• Focused on preparing and decisioning credit requests for businesses in various industries with revenues of up to $100MM. • Assisted loan officers with management of loan portfolio.Senior Credit Analyst – Credit Administration

• Assistant to advanced accounting professor. • Maintained computer test bank, proctored exams, graded student homework and tests, and tutored students in the accounting department help desk.