Derek Rosenstrauch Email & Phone Number

New York, Ny, Us

Financial Services Modeling, Credit & Liquidity

Concord, California (Ca), Us

San Diego, California, Us

Manage the Asset Based Lending Group's origination, underwriting, portfolio risk management functions, and strategy. The origination function consists of managing the pipeline deal flow activity/process along with ensuring the group follows the developed underwriting process. Manage (7 employees) analysts, underwriter, business development officer, operations, and portfolio managers. Manage the structuring and definition of the Underwriting Process. The process was created to allow ABL employees to understand where their role exists in the overall process and what tasks they are accountable for in the process. Manage and oversee portfolio risk from both a compliance, financial, and collateral perspective. Created operational flow structure for Portfolio Review and Monitoring. The process aligns analysts, portfolio managers, relationship managers, and group manager. The problem solved was that there was no prior definition around when portfolio risk management tasks needed to be completed for portfolio credit meetings and general portfolio risk management.

Chicago, Il, Us

Market Ambassador for CIBC’s West Coast business strategies across commercial, specialized and investment banking. Opened West Coast commercial banking office with the objective to grow the bank’s footprint for Asset Based Lending as well as other nationwide specialized lending units. Strategically focused on growing relationships over the following middle market financial channels: private equity sponsors, direct lenders, investment banks, and middle market companies. Lead originations and capital structure advisory for direct middle market companies and sponsor lead buyouts. Provide capital structure advisory to middle market companies and investors when acquiring, turning around, or growing enterprises. Typical credit structures include asset based senior revolvers, senior split lien revolvers, senior first out revolvers, uni-tranche, and subordinated debt/term loans either through CIBC Capital Markets or private credit partners. Lead due diligence, pricing, structuring, and underwriting for structured/complex deals. Covered commercial banking and wealth management offices.

Managed portfolio of middle market companies, delivering exceptional client service. Progressively grew and deepened relationships through consultative selling of new products/services to benefit customer. Oversaw comprehensive marketing process through various product groups: Credit, Deposit, Corporate Card, Foreign Exchange, Trade Finance, and Treasury Management. Monitored and conducted customer financial and market due diligence to uncover potential credit risks. Conducted credit diligence at all levels of process, including complex credit analysis, financial modeling, structuring, risk management, approval, proposal issuance, negotiation, acceptance, and final closing. Recapitalized senior debt credit facilities to middle market companies, focusing on companies in the manufacturing, distribution, and service industries. Through Royal Bank of Canada (RBC), advised middle market companies on capital structure relative to leverage finance, buy side/sell side mergers and acquisitions (M&A), and initial public offerings (IPOs). Mentored two Credit Analysts and Junior Credit Officers.

Dallas, Tx, Us

Managed portfolio of middle market companies. Ran all aspects of deal process, including credit analysis, financial modeling, structuring, risk mitigation, loan committee approval, proposal development, negotiation acceptance and final closing. Provided custom senior debt credit structures to middle market companies and equity sponsors for operating, growth, acquisition, real estate and recapitalization purposes. Maintained customer portfolio integrity via careful financial monitoring, adherence to bank credit policy and performing borrower risk analysis.

Chicago, Illinois, Us

Managed a diverse middle market portfolio of private equity sponsored, private, and publicly held firms. Underwrote complex credit requests and conducted substantial due diligence. Conducted industry analysis, market analysis (growth trends, fundamental shifts) and competitor analysis, collateral, financial modeling for both syndicated and direct middle market deals. Created and applied proprietary cash flow and valuation financial models to structure and underwrite leveraged deals; capital was primarily used for acquisition (buyouts), refinance, dividend, or general recapitalization purposes. Agented equity-sponsored leveraged buy-outs in Agriculture, Technology, and Defense industries. Conducted ongoing portfolio maintenance, including tracking, reporting, and monitoring trends in relation to covenant compliance. Directed efforts for internal and externally prepared credit documentation (credit agreements, security agreements, etc.).

Us

Managed lower middle market portfolio and conducted all credit, collateral, and construction project analysis. Real estate product types included retail, hospitality, industrial, and multifamily development and take out mortgages. Managed commercial and residential construction loans, preparing budget variance reports and conducting project analysis at all supervision stages. Conducted internal bank real estate valuation analysis for non-performing and troubled loans. Prepare problem loan reports, developed asset liquidation strategies, and led foreclosure proceedings. Completed 6 years of Bank examinations with FHLB, FDIC, OTS, and SEC. Annually audited $300M of portfolio loans for verification of loan policy compliance, impairment issues, and ALLL provision accuracy.

Created, managed, and developed exclusive fight gear for the “IceMan” Chuck Liddell. Oversaw all aspects of organization’s finances. Negotiated initial capital investment and developed financial plan/business model. Developed go-to-market campaign and business development strategy. Managed website, conducted SEO analysis, created online media marketing strategy, and wrote blog posts targeting mixed martial arts.

Folsom, California, Us

Responsible for brokering and structuring FHA, VA and conventional loans.

Executive Leadership Certificate

Graduate Certificate, Business Of Banking

Master Of Business Administration, Management And Leadership

Bachelor Of Arts - Ba, Business Administration And Management, General