Extensive expertise in commercial and ag credit with a career history in the commercial banking industry. Skilled in all facets of underwriting, credit, lending, loan review, loan/credit administration etc. with a strength in commercial credit and portfolio management. Areas of expertise are broad and include all types of commercial and industrial as well as commercial real estate lending with lending/approving/underwriting/structuring loans/lines of a few hundred thousand to a few hundred million. In terms of revenues generated, companies worked with include those from a few hundred thousand to over one billion dollars. Portfolios directly managed have been in excess of $2 billion. Experience includes retail, manufacturing, service, real estate, construction, development, healthcare, non-profit, higher-ed, and includes both private and publicly traded companies. Experience also includes anything from direct lending to lending in loan capital markets (syndicated transactions) as well as derivative transactions, highly leveraged transactions, acquisitions and bond finance. Further experience includes developing and training credit analysts and portfolio managers as well as enhancing bank underwriting and approval processes and procedures to improve efficiencies and improve speed to market while managing risk.Skills include credit risk management, financial analysis, economic research, financial risk management, construction monitoring, loan structuring, collateral analysis, portfolio management, team leadership, credit training, credit process/procedure management, loan review, loan workout strategies, etc.