Daniel S. Email & Phone Number

Baltimore, Md, Us

Washington Dc-Baltimore Area

• Facilitate comprehensive credit analysis for new loans and modifications from initial deal screen to final approval. Review and analyzed all financial data, including financial statements, tax returns, due diligence reports, and industry research, to determine the need for further investigation or additional information.• Utilize financial models & tools to assess cash flows, collateral value, covenant sensitivities, and interest rate sensitivities. Create PD (Probability of Default) and LGD (Loss Given Default) scorecards to evaluate risk and inform credit decisions.• Conduct thorough credit quality assessments, identifying and describing risks and mitigants. Analyze industry trends, market conditions, and financial patterns to provide well-supported risk ratings and recommendations.• Work closely with relationship managers throughout the underwriting process and participated in client and prospect meetings to gain insights into their business operations and ensure accurate analysis.

Washington Dc-Baltimore Area

• Ten-month rotation program in Middle Market C&I/CRE Underwriting and Middle Market CRE Portfolio Management. • Learned and built upon fundamental credit skills, through introduction to the processes and systems associated with the lifecycle of a loan.• Participated in observations and rotations within the Commercial Bank and Credit departments.• Partner with department personnel to assist on projects or credit transactions and demonstrate proficiency through completion of the work.

Edgewater, Maryland, United States

• Responsible for overall profitability by directing sales and business development, meeting operational objectives and ensuring the branch achieves its annual goals.• Proactively prospected and grew Business Banking relationships through outreach. Independently processed all Business Banking loan requests up to $250,000. • Led a team through coaching, performance management, and setting priority. • Ensured operational and requirements were maintained, to include consumer and business banking guidelines. Ensured compliance with operational, security and control policies/procedures, preventing fraud and protecting customer assets.

Washington Dc-Baltimore Area

• A year-long training program that provided the skills and foundation to become a successful Branch Manager in Retail Branch Banking. • Developed expertise in communication, leadership, retail and business banking, risk management, and operations. Gained valuable insights into diversity and inclusion, community engagement, and M&T's customer-focused sales strategy.

Master Of Business Administration - Mba, Finance

Bachelor Of Science - Bs, Economics & Geogrpahy And Environmental Planning

Activities and Societies: National Society of Leadership and Success

Education record