Portfolio Manager – Commercial & Industrial Lending• Manage a $300MM portfolio of commercial and industrial (C&I) loans, focusing on small and mid-sized companies in manufacturing, construction, healthcare, and oilfield services.• Lead the structuring and underwriting of complex loan agreements, including leveraged financing, working capital lines of credit, and construction development loans, ensuring compliance with credit policies and regulatory standards.• Conduct financial analysis and due diligence on loan prospects, assessing borrower financials, cash flows, and collateral to mitigate risk.• Build and maintain relationships with private equity firms, C-level executives and business owners, offering customized financial solutions to support growth strategies.• Manage a smaller portfolio of real estate-backed loans, ensuring strong collateralization and risk mitigation.Key Accomplishments:• Key contributor on a small team that drove a tenfold increase in the loan portfolio from $30MM to $300MM in just three years, through strategic client acquisition, tailored financial solutions, and effective portfolio management. • Increased loan approval turnaround by 25% by improving collaboration between underwriting and credit teams.• Successfully closed $50MM in real estate-backed loans and note on note financing, contributing to overall portfolio diversification.

Financial Analyst – M&A Business Development Group• Led financial due diligence and valuation for acquisition targets, including detailed DCF and IRR modeling, contributing to $50MM+ in additional revenue from 10 successful M&A transactions. • Managed the full deal process, from valuation and risk analysis to deal structuring and closing, ensuring alignment with the company’s strategic goals.• Played a key role in post-acquisition integration, focusing on aligning financial systems and reporting across acquired entities to streamline operations.Key Accomplishments:• Helped evaluate over $200MM in M&A deals, from small, standalone operations to regional competitors.• Achieved 90%+ post-acquisition valuation accuracy and financial performance alignment by conducting comprehensive one-year reviews, ensuring precise forecasting and maximizing return on investment (ROI) for acquired entities.• Enhanced the accuracy of acquisition target valuations by 15% through refined risk assessment methodologies and market research integration.

Senior Financial Analyst – Capital Investment Group• Conducted strategic capital investment analysis for acquisitions and internal growth projects, providing insights on capital allocation and investment prioritization.• Developed and implemented valuation models to assess potential acquisitions and divestitures, presenting recommendations to senior leadership.• Spearheaded the evaluation of income-producing assets, optimizing future capital allocation strategies and ensuring alignment with corporate objectives.Key Accomplishments:• Managed a comprehensive review of major income-producing assets, leading to more efficient capital deployment across divisions.• Improved the prioritization of capital investment projects, resulting in higher ROI for approved investments.

Corporate Development Analyst – M&A Group• Identified and evaluated acquisition targets for Carriage Services, conducting in-depth financial analysis and due diligence to ensure strategic fit.• Led deal structuring and negotiations for 9 successful M&A transactions, working with senior management to finalize terms and close deals.• Managed post-acquisition integration, ensuring alignment across financial reporting, operations, and corporate strategy.Key Accomplishments:• Executed 9 accretive acquisitions, adding $24MM in annual revenue to the company.• Developed a proprietary Strategic Acquisition Model (SAM), streamlining the target identification and evaluation process.

• Managed a $500MM portfolio of commercial mortgage-backed assets, including high-rise condominiums, office buildings, and industrial properties.• Conducted financial modeling, cash flow analysis, and loan modifications for underperforming assets, helping to optimize portfolio performance.

Commercial loan underwriter and due diligence financial analyst for commercial real estate loans.

I was a Financial Analyst working for a firm that specialized in personal estate valuation for succession purposes and small-cap business advisory services.