Senior commercial credit officer with extensive domestic and international equipment leasing and lending, portfolio management, workout, asset management, and mortgage lending experience. Proven track record working with senior management including presentations, reports, and peer review practices. Over more than twenty years in working in conjunction with sales and risk professionals has developed an understanding of how banking (and leasing) and economic cycles affect cost of funds, risk, borrower demand, and overall profitability. Specialties: Commercial financeCreditCredit workout and restructureCredit reviewPortfolio managementUnderwriting Quantitative and qualitative analysis