Christopher Nugent Email & Phone Number

El Monte, California, United States

Responsible for managing the loan review function, including loan file and/or on-site reviews of all lending units using a risk based approach to determine review scope. Also responsible for preparation and distribution of loan review reports that communicate findings. Tracks all risk rating changes processed through lending unit reviews and other channels.

Santa Rosa, California, United States

Monitor, analyze, and assess the Bank’s Real Estate Loan Portfolio on a macro and micro level including assessing market fundamentals, quantifying portfolio risk, monitoring policy and regulatory exceptions and periodically conducting a credit review of larger credit exposures. Recommend and implement Credit Administration Standards; including changes to loan policy, procedures, and practices. Facilitate the review and approval of loan transactions within assigned loan portfolios. Provide high level of leadership in the administration of the overall loan portfolio.

Greater Seattle Area

The Director of Internal Loan Review is responsible for directing the internal credit reviewfunction, reports independently to the Credit Committee of the Board of Directors, andadministratively to the Bank’s Chief Credit Officer. Responsibilities include the development andexecution of the loan review policy and plan; which is approved annually by the Board CreditCommittee. This Director has overall responsibility for assessing credit risk within the Bank’scommercial loan portfolio and the directionality of portfolio trends, as well as evaluatingcompliance with established policies, industry standards, and regulatory requirements.Supervises all loan review personnel; oversees the completion of reviews of commercial lendingunits conducted by Loan Review; and reports the findings and recommendations to theBusiness Unit Directors, Credit Administrators, Senior Management and the Board CreditCommittee.Works closely with Credit Administration in an advisory or leadership role on credit-relatedprojects, practices and processes, including credit training, and as needed conducts credit-relateddue diligence in support of merger and acquisition activity. Responsible for all aspects ofdepartment administration, including budgeting and staff forecasting in support of the Bank’sannual strategic planning process.

Responsible for conducting on-site examinations of banks, bank and financial holding companies, and their non-bank subsidiaries, and the U.S. offices of foreign banks. Prepare risk assessments and provide ongoing supervision for a portfolio of financial institutions.Either supervising teams of examiners as Examiner-in-Charge, or working in teams with other examiners, to complete on-site examinations under the direction of an EIC. Specific duties of a safety and soundness examiner include:• Analyze financial condition and operating performance, including capital, earnings, liquidity, and sensitivity to market risk. • Assess management performance and the effectiveness of risk management practices. • Evaluate asset quality by performing credit analysis of the loan and securities portfolios. • Determine the effectiveness of an institution’s control environment, including internal audit, accounting, credit review, and other related activities.• Integrate reviews of specialty areas into the overall risk assessment of an institution (e.g., information technology and fiduciary risks).• Assess an institution’s compliance with laws and regulations related to banking organizations.

Lead teams of examiners on credit quality examinations of the Bank’s regional credit administration offices. Managed the generation of Examination Reports for the Board of Directors, regarding quality and trends in the corporate loan portfolio. Provided credit risk management and regulatory input for senior bank management. Reviewed major and complex loans and report exposures to senior management. Performed credit analysis of loans and commitments for the purposes of risk grading, identification of potential credit problems, determination of degree of attention required and conformity with corporate bank policies and regulatory directives.

Assigned to newly created position as Loan Review Officer for multi-bank holding company. Directed the continuous review of loans and commitments for the purposes of risk grading and identification of potential credit problems. Managed the generation of Reports of Examination. Provided credit risk management and regulatory input for the board of directors and senior management. Conducted workout credit discussions and resolved credit policy issues with management. Reviewed major and complex loans and report exposures to senior management. Maintained ongoing credit risk oversight of existing major adversely graded credits. Conducted loan quality exit reviews at subsidiary banks to ensure consistency and uniformity of reporting. Acted as liaison with external auditors and regulators for lending function. Coordinated loan examinations by external auditors and regulators.• Worked with outside consultants to develop internal credit review function for the Company and its subsidiary Banks.• Developed and implemented Credit Risk Matrix to identify potential problem loans in subsidiary Bank portfolios.• Researched the feasibility of credit scoring business loans up to $250,000 and all consumer lending.

Determined the adequacy of the Allowance for Loan and Leases Losses on an ongoing basis for both the bank and the holding company, disseminating reports to the Board of Directors and senior management. Continuously reviewed existing policies and procedures to ensure compliance with banking laws and regulations, drafting updates as required. Analyzed loans and credit applications up to the Bank’s legal lending limit in the commercial, real estate, construction and consumer loan portfolios to ensure proper underwriting, structure and pricing. • Initiated and managed an internal credit card program.• Implemented and managed an in-house commercial financing program (factoring).• Acted as Interim SBA Department Manager until permanent replacement was identified.

Bachelor Of Arts, Economics

Mba, Banking