Under minimal supervision, perform an active client facing role in leading the entire commercial credit process both internally and externally, with prospects and clients within the Core Commercial Division of the bank. Responsible for managing a portfolio of generally more complex and larger Middle Market credit relationships, including underwriting, structuring, and documenting transactions above a designated threshold ($10MM-$250MM in Revenues). Accountable for and management of the assigned portfolio ($290MM), including monitoring trends, proactively defining client credit solutions, identifying issues, and following through with remediation. Accountable for ensuring all Credit Process Metrics are within prescribed tolerances, including risk evaluation and related compliance requirements. Key competencies include Financial Statement and Cash Flow Analysis, Financial Modeling, Working Capital solutions, Real Estate loans, and Corporate Finance & Enterprise Value Lending (Acquisition/Share Repurchase/Dividend Recap). Provide guidance through mentoring and coaching of the Commercial Portfolio Sr. Analysts and Analysts.

Directly responsible for management & supervision of the Birmingham business unit within parameters of the Loss-Share guidelines established through the Purchase and Assumption Agreement executed with the FDIC. Management of a $416MM real estate loan portfolio, of which approximately 90% was default management. Supervised 6 direct reports. Responsible for defining objectives, establishing priorities, and implementation of strategies for each individual relationship, including restructure/forbearance/disposition through foreclosure, deed-in-lieu, etc. (Effective 12/18/09, Beal Bank acquired the assets of New South Federal Savings Bank.)

Directly responsible for management of all residential construction lending activities for the department, including Loan Underwriting and Origination, Credit Administration, and Management and Disposition of the REO portfolio. Supervised 18 direct reports and the overall loan portfolio including 300+ customer relationships with over $306MM in outstanding loans (including $90MM+ in participations to third-party lenders.) Oversight and management of credit quality and risk strategy of the portfolio, including portfolio grading and ongoing review of all credit risk issues. Directly managed a $62MM portfolio of 23 Borrowers, including management, preparation and presentation of larger more complex loan reviews to Credit Committee.

Managed all day-to-day operations of this Atlanta-based Residential Land Development Company, with assets in excess of $150 million. Managed all areas including Finance, Accounting, Land Planning, Engineering, Production, and Human Resources. Directly managed a staff of 60, which was responsible for development of 58 subdivisions and over 11,000 residential lots over 10 years. During most of the last 2 years, I was dedicated to managing banking relationships - including development of restructuring plans and workout alternatives with different lenders.

Senior lending and marketing officer (first one hired by this department.) Generated a portfolio of new customer relationships in excess of $40 million in the first 18 months. Focused on the origination and marketing of bank products (loans, international trade, and cash management) to customers in the "Maquiladora" (In-Bond) industry, as well as to other international corporate borrowers.

Directly responsible for development and implementation of all International Private Banking business as well as the opening and management of the San Diego branch office. Developed and implemented the strategic plan for the Private Bank (including staffing, pricing, promotion, and product delivery.) NASD Series 24, 7, and 63

Supervised Accounting, Treasury, and Production of this Land Development and Residential Home Building company. Directly managed relationships with lenders, external accountants and outside legal counsel.

1982-1985 Promoted from trainee to Assistant manager to Assistant Vice President within 2.5 years. Served on Credit Committee. During the Mexican debt crisis, negotiated and restructured entire portfolio over an 8-year tenor. 1985-1988 Vice President - Institutional Bank - Caribbean, Central and South American division. Oversaw creation, development, and management of a 7-member unit including marketing and selling non-credit products and services to Latin American corporate clients. 1988-1990 Vice President - Private Banking Group - Western Hemisphere. Oversaw strategic planning, financial reporting, and matrix management in Select Segment centers in New York, Houston, Mexico City, Venezuela, Chile and Buenos Aires.