Guy Giannerini Email & Phone Number

Greater Los Angeles Area

- Provide guidance to CB&T's various commercial lending units on borrowing base issues for ABL transactions.- Review financial spreads and underlying collateral of potential new ABL clients to ascertain prospective availability and potential loan structure before issuance of term sheet.- Review monthly collateral and availability trends for assigned ABL.

Riverside, CA

Provide financial due diligence services to various banks, finance companies, and healthcare ABL lenders. Services include initial and recurring field examinations, underwriting, assessment of realizable collateral values, and litigation support services.

Provide guidance to CNB's various commercial lending units on structural/risk analysis and borrowing base issues for healthcare lending transactions. Prepare credit underwriting memorandum to document proposed structure, risks and mitigants, analysis of financial trends, and feasibility of projections for current and proposed commercial banking clients..

• Responsibilities include:
• Review financial spreads and underlying collateral of potential new clients to ascertain prospective availability and potential loan structure before issuance of proposal letter.
• Prepare memorandum for new clients and assigned ABL accounts which detail the appropriate ABL structure, collateral and loan trends, identification of ineligible collateral and potential issues which could affect.
• Prepare changes to standard loan document language for new and current ABL clients, which agree to the proposed and/or approved eligibility and reporting requirements.
• Review of monthly collateral and availability trends for assigned ABL accounts to identify areas of collateral deterioration which would require remedial steps to safeguard the bank’s collateral position.
• Train other line personnel at various commercial banking offices on the principles of asset based lending.

Set-up the underwriting department, establishing formalized credit/underwriting procedures to improve the flow of underwriting information to the Credit Committee. Established pre-screen format for potential new clients to assure only closeable transactions are put through the underwriting process. Established network of outside contract auditors and.

• Employed as a credit officer to perform due diligence analysis of prospective and existing commercial bank clients. Assigned to numerous transactions ranging in size from $500,000 to $1 billion dealing with middle.
• Marketing of due diligence function to other areas of the institution;
• Coordination of outside accounting firm’s due diligence assistance on various transactions;
• Review of client’s historical financial performance and evaluation of quality of reported earnings;
• Analysis of assumptions and rationale supporting the client’s business plan and cash flow forecast. Assessed feasibility of forecast in light of historical performance and industry trends;
• Identification of contingencies and potential unrecorded liabilities;