Clayton Snyder Email and Phone Number

CREDIT ADMINISTRATION • COMMERCIAL/REAL ESTATE LENDING • SPECIAL ASSETSA versatile banking and business development professional with over 25 years of experience analyzing commercial real estate and business banking transactions from perspective of a lender, liquidator, credit administrator, portfolio manager, real estate developer and general contractor. Offer extensive knowledge of underwriting process and transaction analysis as well as management of watch list, special mention, criticized, classified and non-accrual assets. Possess extensive background in real estate lending, real estate development and interim construction.*Underwriting Policies & Procedures for C & I and CRE Lending*Loan Closing Procedures & Documentation*Construction and Non-Construction Loan Administration & Portfolio Management*Hospitality, Senior Living, Retail, Office, Industrial, Medical, Multi-Family & Residential Development Lending*Positive & Negative Loan Covenant and Loan Agreement Negotiations*Debt Service Coverage Analysis (Collateral Specific & Global Guarantor Analysis)*Allowance for Loan & Lease Loss Modeling*ASC 310-10 (FAS 114) & ASC 450-20 (FAS 5) Loan Impairments Measurements & Reserve Analysis*FDIC/OCC Regulatory Audits & Examinations • FDIC Loss-Share Agreement Management*Non-Accrual, Troubled Debt Restructuring (TDR’s) & Charge-Off Identification*Real Property Title Insurance Commitments and Policies*Special Purpose Entity Structure, Management & Accounting • SBA Lending & Liquidation*Third Party Reports (Appraisals, Environmental, Civil/Structural Engineering, Regulatory Audits)*Collateral Liquidation and Deficiency Recovery Management*OREO Leasing, Management & Disposition