Edward Brewer Email & Phone Number

Farmington Hills, Mi

Dealer Commercial Services-Managed the credit administration and portfolio maintenance of commercial credit relationships with automotive dealers/retailers consisting of predominantly floor plan lines of credit, term loans, revolving lines of credit and real estate mortgages.-Directed the credit approvals of new business to successfully achieve the risk strategy and goals of the Bank with individual relationship exposures range from $3 million to $125 million. -Developed, structured and chaired Monthly Business Review process to succinctly summarize the state of the portfolio for Senior Management, Loan Review and Risk Officers insuring standards and risk are in line with the Bank’s policies and strategy. -Supervised the containment/work-out and exit/remediation strategies of criticized/classified credits to mitigate any potential credit loss to the Bank. -Developed and guided training programs to revise and establish appropriate internal lending policies and procedures (including regulatory risk & controls).-Managed a staff of 2 Market Credit Managers and 8 Commercial Credit Analysts including personnel issues (i.e. hiring, training/coaching, quarterly performance evaluations). -Liaison to regulatory, internal audit and loan reviews.

-Tenured in two different market places (Northeast and Midwest) to manage a $2 billion-dollar portfolio of commercial credit relationships with over 300 automotive dealers/retailers for a Captive Finance Company consisting of predominantly floor plan lines of credit, term loans, revolving lines of credit and real estate mortgages. -Business Center credit approval authority of $20 million dollars.-Member of US Credit Committee with lending authority of $100 million dollars.-Managed a staff of 2 Dealer Credit Managers and 8 Commercial Credit Analysts and 5 Wholesale Inventory Auditors including personnel issues (i.e. hiring, training/coaching, performance evaluations). -Oversaw and responsible for the containment/work-out and exit/remediation strategies of relationships that no longer met the lending criteria of the company to mitigate any potential credit loss to the company. -Developed and implemented a concentrated portfolio monitoring method to insure proper controls were maintained in accordance with corporate risk strategy.