Eddie Sullivan Email and Phone Number

-Reviewed 211 requests for new and existing customers for $28MM in new money conducting a comprehensive business, management, and organizational analysis to form a current understanding of that business’ health, capacity, and capability to appropriately utilize and fully repay its loan. -Spread and analyze relevant financial data, tax returns and financial statements of businesses and personal guarantors and projections utilizing sound understanding of GAAP principles. Examine cash flow (standalone/global) and review collateral adequacy. Create projections and conduct financial modeling and sensitivity analysis to forecast applicant’s financial status. -Prepares credit presentations reporting degree of risk involved in the transaction, identifying key risks and mitigants, and establishing covenants. -Uses credit underwriting experience and sound judgment to make decisions within individual Credit Authority of $200,000 with minimal supervision. Lead underwriter for multiple pipelines and industries. - - Oversaw monthly renewal of Guidance Lines for the entirety of the portfolio, conducting a review of each file to ensure they still qualify. -Converse with borrower and/or relationship manager to probe information and develop and understanding of the business, management, and loan structure and obtain financial information and engage in negotiations regarding structure. -Conduct relationship reviews and ensure adherence to DSCR, financial reporting, and other loan covenants. 10 relationships and $10.7MM of exposure reviewed across various industries with differing risk profiles.-Provide mentoring, guidance, and training to junior level credit staff as necessary. -Perform duties and projects outside scope of direct responsibilities including but not limited to lead minute taker for Credit Committee meetings, industry/market analyses, Salesforce implementation testing, and assisting in establishment of new company-wide of processes.

Responsible for reviewing loan requests on both new and existing customers. Part of the assessment included conducting an analysis on the business and ownership to understand capacity to fully repay its loan in a timely manner. Met department productivity standards for decision turnaround time to assure a positive customer experience. On an introductory level, spread and analyzed financial data (tax returns and financial statements of business and personal clients), performed projection and sensitivity analysis, examined cash flow (including global analysis). Independently prepare credit memos while evaluating, authorizing, and recommending approval of commercial loans. Held $100M independent credit authority of guidance credit lines. Worked with senior credit managers and other credit staff to develop underwriting experience and make sound credit decisions. Provide mentoring, guidance, and training to junior level credit staff as necessary. Participated in multiple Salesforce CRM system implementation and improvement projects on which included creation and testing of new functions which was followed with training for fellow colleagues and the publishing of new relevant procedure documents to be utilized by all departments. Perform other duties and projects as requested by Management including COVID-19 related industry sensitivity analysis and to validate hardship requests for customers in affected industries and processing and authorization of Paycheck Protection Programs loans to assist our SBA affiliate.

Responsible for reviewing loan submissions for completeness and demonstrating an understanding of current Regulatory Compliance and in-house Credit Policies and minimum required information/financial & underwriting packages before assigning to proper credit underwriter and associates. Communicated with Sales/Client when credit application, identification, or underwriting requirement package standards were not met to obtain any additional document required. Performed all required document searched such as SOS, OFAC, Public Records, and lien searches. Completed KYC procedures and onboarded clients and transactions into Salesforce CRM. Maintained organization of electronic credit files. Upheld data input quality in multiple Company systems including Salesforce CRM that affected timely underwriting, contract structuring and documentation, booking, and enhanced customer experience. Continuously monitored functions to ensure quality as well as look for way to improve quality. Manage pipeline input to ensure requisite searches and standards have been fulfilled and delegate transactions to associates based on workflow and other various factors to meet required turnaround times.Participated in multiple Salesforce CRM system implementation and improvement projects on which included creation and testing of new functions which was followed with training for fellow colleagues and the publishing of new relevant procedure documents to be utilized by all departments. QC and Scanning of all Credit and Credit Risk Monitoring documents including credit memos, annual reviews, financial compliance, and documentary searches. Upload all mentioned documents in a timely fashion in compliance with periodic loan review and audits.

• Perform data research and analysis on prospective candidates in order to enrich the Harris Tudor database• Assist in the creation and management of the heuristics across company projects

I help my clients reach their goals and establish a lifetime of financial security for themselves and their families. This is accomplished through the development of long-term relationships founded upon trust and genuine concern for the well-being of the individuals with whom I work. Through the internship, Edward learned valuable lessons about professionalism in the workplace, and also professionalism as it pertained to client relationships. In this position, interns were not given leads. They were solely responsible for creating their own client base which taught Edward elements of Sales and Marketing strategies as well as personal skills that cannot be taught in a classroom.

• Collected and analyzed asset and sales data on the “advisory” segment of the financial services industry• Assisted in producing the annual industry guide for a prominent trade association- Money Management Institute (www.mminst.org)• Performed data integrity testing and created excel charts and tables to be included in the Guide• Interacted with senior executives at Dover and participated on the team responsible for producing the publication