Daniel Ritter Email & Phone Number

South Carolina, United States

Greenville, South Carolina Area

I handle operations for the bank’s southern markets, driving the team in the small business loan production shop. I demonstrate senior level loan decision authority for up to $1MM. I apply efficient recruiting, onboarding, and training strategies to develop a talented team of skilled underwriters. I mentor, train, and guide a team of 7 underwriters to strengthen team dynamics by demonstrating strong leadership, organization, and interpersonal skills, achieving optimal levels of employee performance and client satisfaction. I partner with Sales to ensure they are consistently well informed of potential underwriting changes, ensuring that objectives constantly match organizational goals.* Served a lead role in developing and implementing nCino, a new loan origination platform* Directly managed a cross-functional business and technology team of 5 members to complete dynamic system testing. * Facilitated 200+ end users by introducing change management to enhance workflow operations and secure a successful project roll-out.* Developed training policies and procedures, helping users by creating job aids.* Assisted staff by delivering continual support model during system implementation. * Regularly communicated with TD Bank senior management to deliver project updates and suggest optimal solutions * Adjusted to nCino, Salesforce, and JIRA, acquiring technical system proficiency through IT project management.* Served as key point person for all system related questions influencing small business operations, routinely interacting with BASEL group and AML while performing audits and arranging reporting. * Played a critical role in creating and instituting an efficient credit scoring model focusing on enhancing overall bank efficiency and profitability, expanding loan volume by 175% by doubling approval rates and decreasing turnaround times by 50%.

Cherry Hill, New Jersey

I enjoyed senior level loan decision authority up to $250M. I analyzed New Money loan requests up to $500M while guiding relationship managers in structuring financial solutions for borrowers. I also performed cash flow analysis, collateral evaluation, and risk rating for new and existing customers. In addition, I mentored junior analysts and aided them in their professional development to grasp the complexities associated with the underwriting process.Key accomplishments include creating and implementing reference materials to eliminate auditing errors.

Greater Philadelphia Area

I enjoyed senior level loan decision authority up to $250M and guided relationship managers in structuring financial solutions for borrowers, coordinated the documentation of loans and made recommendations for risk rating the clients within assigned portfolio. I performed cash flow analysis of businesses to determine customer’s ability to repay proposed credit facilities.Key accomplishments include analyzing New Money loan requests up to $1MM utilizing knowledge of PNC's Credit Risk Management and GAAP to determine the credit worthiness and financial conditions of potential and existing customers.

Greater Philadelphia Area

I approved renewals up to $250M in accordance to PNC's Credit Risk profile and refinanced expiring credit facilities. I second approved renewals to ensure accuracy and consistency of all credit decisions. I also trained new employees on job requirements and PNC policy regarding risk tolerance. Key accomplishments include developing PNC guidelines relating to renewal procedures.

Master Of Business Administration (Mba), Finance, General

B.S, Finance