Eric Ebersole Email & Phone Number

Roswell, Ga, Us

Roswell, Ga, Us

Atlanta, Georgia, United States

Greater Atlanta Area

• Front-line credit risk with direct contact with customers ownership and management team. • Underwrite new and existing credit facility requests for companies in the powersports, marine, recreational vehicle, and outdoor power equipment industries.• Perform underwrite process from initial submission stage through credit facility activation.• Prepare and present detailed credit write-ups for new credit facility requests, modifications, and renewals.• Manage client portfolio and… Show more • Front-line credit risk with direct contact with customers ownership and management team. • Underwrite new and existing credit facility requests for companies in the powersports, marine, recreational vehicle, and outdoor power equipment industries.• Perform underwrite process from initial submission stage through credit facility activation.• Prepare and present detailed credit write-ups for new credit facility requests, modifications, and renewals.• Manage client portfolio and discuss their financial and operational performance with the owners and management. • Utilize credit approval authority to issue decisions and pre/post-fund conditions.• Complete risk rating assessments using quantitative and qualitative metrics and justification.• Spread and assess company financial statements including revenue, margins, opex, capex, profitability, OCF, FCF, leverage, DSC, FCC, interest coverage, details of debt, projections/outlook, and other analysis. • Collaborate as a deal team in structuring credit facilities and achieving objectives.• Evaluate owners/guarantors financial statements. • Utilize market information and peer trends in formulating credit opinion.• Assist in preparing facility agreement documentation including collaborating with legal team. • Input credit facility and customer information into lending system. • Contact customer for clearing pre/post-fund credit facility conditions.• Collaborate with legal team in drafting/modifying facility agreements. Show less

Atlanta, Ga 30328

• Key contributor in managing credit risk while building/growing the start-up warehouse lending business into an industry leader.• Underwrote complex structured credit facilities up to $450MM for new credit facility requests, modifications, and renewals. • Structured financial covenants, advance rates, curtailment schedule, conditions in credit facility proposals.• Detailed risks and risk mitigants in credit facility proposals. • Wrote comprehensive credit facility proposals and… Show more • Key contributor in managing credit risk while building/growing the start-up warehouse lending business into an industry leader.• Underwrote complex structured credit facilities up to $450MM for new credit facility requests, modifications, and renewals. • Structured financial covenants, advance rates, curtailment schedule, conditions in credit facility proposals.• Detailed risks and risk mitigants in credit facility proposals. • Wrote comprehensive credit facility proposals and presented to senior leadership with recommendations.• Assessed customers ownership structure, guarantors, key employees, management team.• Assessed customers balance sheet, income statement, cash flow statement, and projections.• Conducted monthly financial covenant reviews and addressed any violations.• Participated in due diligence meetings involving prospective and existing clients.• Conducted due diligence/background checks/KYC on companies, owners, guarantors, and management.• Developed credit policies and procedures as well as credit write-up templates for the Line of Business.• Developed financial and operational covenant compliance templates and reporting database for the Line of Business.• Worked with internal and external legal counsel in preparing/negotiating legal agreement documents.*Selected by Managing Director to be the Data Analyst for the Warehouse Lending Group while in a Credit Analyst role.• Key contributor in revamping the risk rating methodology for the business. • Responsible for certifying the month-end portfolio balance/funding information for the Line of Business.• Compiled data for preparing quarterly business and client level reports for senior leadership and risk management teams. • Utilized Excel and SQL Report Builder to prepare daily and month end reporting.• Subject Matter Expert for client-facing lending system. Show less

• Underwrote warehouse lines of credit/repurchase facilities generally up to $5MM.• Underwrote and managed a portfolio of secondary market investors that were privately and publicly held companies. • Trained and reviewed the work of newly hired/jr. credit analysts. • Established relationships with third-party vendors for the warehouse lending business.

• Focused on generating new business while addressing financing requests of existing customers of the company. • Established relationships with townhome and condominium builders for generating sales leads and closings.

• Managed finance branch including five sales employees and a treasury/payment employee.• Conducted employee performance reviews and implemented improvement/correction plans as needed.• Improved sales and loan collection performance of the branch and received district awards.