Emigrant Bank New York, NY Loan Review (Vice President) 7/2015 - CurrentOrganize and conduct loan review of existing commercial loan portfolio (approx. $4B) to assess and manage risk and ensure conformance with established credit standards and bank policy. Ensure that the credit department in conjunction with commercial loan officers assigns appropriate risk ratings to loans. Responsibilities also include identifying problem loans and assess the adequacy of loan loss reserves. Verify the business line’s adherence to policies and procedures.• Monitor businesses on an ongoing basis via quarterly credit review meetings. • Verify borrower documentation and identify deficiencies.• Sectors reviewed include high yield public companies, small and middle market borrowers, commercial real estate, asset-based film financing, and private wealth management. Credit facilities reviewed range from $100K to $30MM.• Respond to internal and external auditors and regulatory examiners (i.e. FDIC and NY State Banking).

Internal Audit and Loan Review: Financing Activities Team 3/06 - PresentExamine, evaluate, and report on the adequacy of internal controls and credit processes within the BNP Paribas' U.S. Corporate Investment Banking division. Team Leader of two to four persons. Prepare and implement all phases of the audit and loan review process to complete risk-based audit plan (planning phase to closing meeting and report issuance). Plan and lead credit examinations for the Bank's diverse portfolio of loans to ensure compliance with Basel II credit policies, risk grading methodology, and loan loss provisions. Apply IIA professional standards and best practices for the department under reviewUtilize industry wide credit methodologies and BNP Paribas tools to validate internal credit ratings, collateral recovery rates, and adherence to Basel 2 regulatory guidelines.Maintain strong working relationships with business management.

Responsible for fundamental credit and relative value analysis of high grade fixed income securities for inclusion in the Reserve Funds' money market and short term bond funds. As a senior member of the portfolio group my position required daily interaction with portfolio team members and traders as well as senior corporate management regarding several fund portfolios. Provided timely, insightful, easily understood opinions. Determined internal ratings and relative value assessments. Provided lead-time for portfolio managers to exit potentially deteriorating credit positions.Proficient with Highline Data bank analysis software. Highline is an essential industry wide tool for analyzing small and medium size U.S. banks.

Responsible for a portfolio of high-yield bond issuers. Primary industries were technology, aerospace, paper, and retail. Individual corporate credits are reviewed and scored at least four times per year.High yield research process includes both industry and company review (operating trends, capital structure, liquidity, covenants, etc.), financial modeling, and directly communicating with senior company management and sell side analysts.Buy (new issues, secondary) and sell proposals are presented to and deliberated in committee.

Analyzed credit proposals for new and existing customers. Review process included complete analysis of financial statements, due diligence, and determining overall assessment of transaction (i.e., loan structure, projections, pricing, etc.) Managed an existing portfolio and monitored the credit risk, covenant compliance, and financial performance of the assets in the portfolio. Prepared and presented loan proposals as member of loan committee. Credits included: highly leveraged transactions and investment grade companies.

Researched and wrote investment reports evaluating industry trends and company fundamentals. Analysis was based on both primary and secondary sources, including brokerage research. Reports were used by credit, trust, and marketing personnel. Generalist with several areas of focus: electric utilities, consumer services, aerospace, and transportation industries.

Conducted financial analysis for the public utilities, cable, and telecommunications group. Met with senior management to discuss strategic direction and determine how those strategies would impact rating quality. Reviewed registration prospectuses on investment grade and high-yield securities, detailing an issue's features for publication in Moody's Bond Survey.

Completed an intensive four month credit training program and was promoted to analyst.