Gerald H. Downes Email & Phone Number

Wilmington, De, Us

Wilmington, De, Us

New York, Ny, Us

• Partner with the Front Office through the lifecycle of the credit request.• Analyze clients and underwrite credit, including (but not limited to) reviewing collateral analysis, and overall grading and pricing in preparation of proposal.• Generate and review loan documentation for consistency with federal and local regulations and send to market partners.

Bryn Mawr, Pa, Us

• Analyzed detailed financial information including corporate and personal financial statements and tax returns for commercial real estate lenders’ customers and prospects to assess credit worthiness with respect to new credit facilities and renewal/annual review of existing credits.• Prepared and presented extensive credit memoranda to various levels of management recommending approvals and renewal of credit facilities.

Managed Commercial Credit Department in support of five lending officers providing detailed evaluation for commercial loan requests in order to approve or deny applications.

Wilmington, Delaware, Us

Performed all analytic activities on corporate and personal financial statements and tax returns for lenders’ customers and prospects with respect to new credit facilities, renewal/annual review of existing credits, and workout situations.

(Engagement with Fox Rothschild, LLP - a highly respected Philadelphia law firm with 500+ attorneys in 16 offices coast to coast delivering a full range of legal services.)Performed all collection activities for complex client accounts, including negotiating disputes and generating previously considered lost revenue while adhering to defined policies of the client law firm. Portfolio of receivables totaled $95.5 million.

Philadelphia, Pa, Us

Performed all credit/collection activities for new and existing clients, including new business intake review, setting of credit caps, and setting up processes to manage and collect delinquent receivables.

Voorhees, New Jersey, Us

Performed all collections activities and credit analysis for client intake of new/existing clients of the firm.

Worldwide, Oo

Managed a staff of seven specialists to perform all collection activities and credit analysis of new /existing clients in their assigned practice groups.

(Engagement with Schnader Harrison Segal & Lewis LLP - a truly distinctive Philadelphia law firm of 200 attorneys serving the legal needs of both businesses and individuals.)Managed two additional staff members to perform all collection activities for complex client accounts, including negotiating disputes and generating previously considered lost revenue while adhering to defined policies of the client law firm. Portfolio of receivables totaled $86.2 million.

Bba, Business Admistration

Education record