Danny Smith Email & Phone Number

Ready Capital is a top 4 SBA 7a lender. Currently oversee a team of 9 underwriters and 4 BDAs, responsible for evaluating and approving SBA loan applications, ensuring compliance with SBA regulations and internal policies. Develop and implement underwriting guidelines and procedures to streamline processes and improve efficiency while maintaining credit quality standards.Vast experience underwriting SBA 7(a), ABL and conventional commercial loans.My credit and lending experience is extensive; however, along the way I have learned that building deep, long-lasting relationships is the key to providing sound financing solutions. Experience includes small and middle-market commercial lending and underwriting with total credit exposure up to $65MM+ and have managed a $140MM+ portfolio of direct ABL loans and syndicated loans. Previous experience includes statistical analysis and predictive modeling of new product ideas, marketing campaigns, and branch/ATM and customer metrics with APT Test & Learn software. I also worked as a Market Research Analyst generating reporting on deposit and credit products, consumer households and small business customers and prospects for retail and small business banking partners. Specialties: SBA 7a, Asset-Based Lending, ABL collateral audits, performance and monitoring, commercial banking, underwriting, portfolio management, accounts receivable, inventory, P$YCLE, UCC statements, market research, business plan compilation, competitive analysis, data manipulation and analysis, and problem solvingSoftware: Base SAS 9.2, SAS Enterprise Guide 4.2, APT Test & Learn, Dunn & Bradstreet Market Insight, DNBi, Microsoft Excel/Access/PowerPoint, Bloomberg, Stucky ABL/Factoring software, QuickBooks, Microsoft Accounting Pro