Imran Hameed Email & Phone Number

Miami-Fort Lauderdale Area

•Spearhead a dynamic team of Credit Products Officers, ensuring top-tier performance and adherence to industry-leading practices.•Provide hands-on coaching and management to direct reports, fostering their professional growth and development through regular feedback and targeted training initiatives.•Oversee the performance management of direct reports, orchestrating recruitment efforts and ensuring talent is nurtured, retained, and promoted in alignment with their capabilities.•Organize and deliver comprehensive credit trainings to Credit Products Officers and Sales Partners, equipping them with the knowledge and skills essential for success.•Collaborate on diverse projects aimed at enhancing operational processes and optimizing overall performance, driving sustained growth and success for the organization.•Direct the comprehensive analysis of Small Business credit requests, guaranteeing compliance with Bank procedures and regulatory standards.•Proactively identify opportunities for refining commercial underwriting practices, collaborating cross-functionally to deploy cutting-edge tools and techniques.•Implement refined methodologies to enhance the clarity and conciseness of credit analyses, expediting decision-making processes.•Partner with Relationship Managers to structure credit requests that optimize customer and bank interests, while proactively identifying and mitigating potential risks.

Miami/Fort Lauderdale Area

• Exercising individually assigned lending authority, as granted by the Board of Directors. Underwriting most complex arrangements in Small Business Lending in accordance with company policy and regulatory safety and soundness standards. • Working in conjunction with the Business Line Manager in developing and managing the unit production of the department as well as participating in, or taking leadership role in, ad hoc project assignment• Guarding credit quality by ensuring thorough credit analysis is being performed by the Underwriting team by identifying all key risk factors and determining appropriate mitigation and approving credit recommendations made by Underwriter I, II, or III within signing authority. • Serving as a back-up resource for the Small Business Credit Officer and as a support resource for the Underwriting team. • Facilitate lending appeals, structuring, and credit training including in-depth financial statement analysis with loan officers, retail executives, and underwriters. • Determining terms and acceptability of risk of prospective business lines.• At times can facilitate the FICO Refresh process, in addition to delinquency management.

Miami/Fort Lauderdale Area

•Spread financial statements and created projections.•Prepared Credit Analysis Packages and recommended appropriate credit structure and terms/conditions for new and renewal credit opportunities as well as actively participated in the presentation of credit request to Commercial Team Leader and Credit Administration.•Reviewed field audits and related 3rd party reports. •Performed annual reviews on commercial lending relationships and made ongoing assessments relative to credit risk ratings to seek out early warning signs of deteriorating trends.•Researched industries and industry trends. •Worked with commercial clients in role of Secondary Officer to service commercial clients relative to credit servicing.

Orlando, Florida Area

• Underwrote and made decisions for request for business loans by determining loan repayment ability of borrower for new request and existing portfolio loans by using Cash Flow Analysis, Financial Statement Analysis, and Credit Risk Analysis for Small Businesses, Not-For-Profit organizations and High Wealth Individuals. • Worked with Senior Credit Officers, teammates, clients, and front office personnel through written and oral communication forms presenting loan packages, identifying risk and mitigating factors which established new loans to add to bank portfolio. • Provided support for Business Banking portfolio with annual reviews, renewals, and structuring appropriate exit strategies for troubled loans within portfolio which resulted in an improved portfolio.• Assisted with development and improvement of International team which worked on financial spreads for Underwriting team allowing for faster Credit decisions for new and existing loan request

Sunrise, Fl

• Served customers and controlled point of sale transactions which improved business revenues. • Maintained store inventory control using computer database allowing for status of business assets to be accurate at all times. • Trained employees for various staff positions resulting in well-rounded, skilled team.

Bachelor Of Science (B.S.), Finance, General

Activities and Societies: Pakistani Student Association

Associate Of Arts (A.A.), Business Administration And Management, General