Responsible for managing a portfolio of the most complex commercial/real estate problem loans. Including restructuring and renegotiating credits with customers; performing financial-legal risk evaluations of credits; reviewing strategies and payment structures; formulating litigation strategy; interfacing with both in-house and outside legal counsel during litigation when necessary.

I was responsible for generating, developing, and maintaining profitable account relationships with an extensive number of complex and large sized business accounts with gross sales of generally less than $20MM. Provides continuing financial advice as appropriate, determines customer's commercial loan and deposit needs and deepens existing customer relationships. Served as the customer's advocate in securing suitable credit and cross-sells products and services. Identified prospects, acquires customers and serves as a referral source from other WFB business partners.

Responsible for conducting credit investigations and analyzing complex and diverse credit information for companies and industries. Analyzed loan requests including analyzing borrower information/financial statements, collateral and tax returns to determine ability to pay; conducting forecast analysis, preparing credit reports for review; providing support to calling officers or account representatives and coordinating activity in support of credit approval process.

Interacted with customers and potential customers