Commercial Credit Review Officer
Current
Mar 2022 - Present
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James Cusick Email & Phone Number
BANKING | CREDIT | RISK | UNDERWRITING | SBA | LOAN REVIEW | PORTFOLIO MANAGEMENT | REGULATORY | CONSULTING
at
Pathward
1 work email found
@pathward.com
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✓ Verified May 2026
4 data sources
Profile completeness 86%
Current company
Role
BANKING | CREDIT | RISK | UNDERWRITING | SBA | LOAN REVIEW | PORTFOLIO MANAGEMENT | REGULATORY | CONSULTING
Location
Palm Harbor, Florida, United States
Who is James Cusick? Overview
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Quick answer
James Cusick is listed as BANKING | CREDIT | RISK | UNDERWRITING | SBA | LOAN REVIEW | PORTFOLIO MANAGEMENT | REGULATORY | CONSULTING at Pathward, based in Palm Harbor, Florida, United States. AeroLeads shows a work email signal at pathward.com and a matched LinkedIn profile for James Cusick.
James Cusick previously worked as Commercial Credit Review Officer at Pathward and Senior Credit Analyst at Pilot Bank. James Cusick holds Master Of Business Administration - Mba, Banking, Corporate, Finance, And Securities Law from Boston College - Carroll School Of Management.
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Email format at Pathward
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{first_initial}{last}@pathward.com
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Profile bio
About James Cusick
Disciplined, decisive, knowledgeable and results-oriented professional with extensive, broad-based banking and risk management experience in the public and private sectors. Breadth of experience encompasses regulatory/examination, compliance, due diligence, commercial, consumer, residential underwriting and lending, loan servicing and marketing. Proven ability to analyze strategic issues in industries including healthcare, marine and aircraft. Exceptional leader with the expertise to achieve significant cost savings. An adaptable and energetic achiever who can make an immediate impact on an organization’s overall efficiency, productivity and profitability.
Current workplace
James Cusick's current company
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13 roles · 50 years
James Cusick work experience
A career timeline built from the work history available for this profile.
Senior Credit Analyst
SBA 7(a) and 504, conventional commercial and industrial, commercial real estate.
Feb 2020 - Nov 2021
Vp Senior Commercial Underwriter
- Responsibilities include new business underwriting, portfolio review, modifications and RLOC renewals. Loan types include ABL, Commercial Real Estate, Commercial C&I, Aircraft and Marine. Approval authority: $2,000,000
- Analyzed global financial information for new loan requests, renewals/modifications, and existing borrowers to drive the credit decision making process. These analyses led to correct lending decisions on loans beyond.
- Conducted detailed analyses for trends, ratios and cash flow. Authored and presented insightful, accurate credit memorandum providing a detailed evaluation of all risks to senior management.
- Collaborated with project manager to identify a list of loan policy violations to be programmed into an online approval template. This shortened the time required to review large loan requests and ensure appropriate.
May 2018 - Feb 2019
A.V.P./Senior Credit Analyst
Flagship Community Bank
Conduct analysis on all applicant/borrowers both corporate and individual. Determine cash flow, debt service and compliance with internal and regulatory policies and statutes. Conduct cash flow analysis on all Shared National Credits, commercial real estate and C & I transactions both existing and proposed.
Sep 2013 - Feb 2018
Vice President, Sr. Commercial Underwriter
Florida Bank
Conduct analysis on all applicant/borrowers both corporate and individual. Determine cash flow, debt service and compliance with internal and regulatory policies and statutes. Conduct cash flow analysis on all commercial real estate and C & I transactions both existing and proposed.
Apr 2011 - Jul 2013
Senior Credit Analyst
First Kensington Bank/Superior Bank
Analysis on all applicant/borrowers both corporate and individual. Conduct cash flow analysis on all commercial real estate and C & I transactions both existing and proposed. Conduct annual risk assessment on all existing concentrations of credit in excess of $1MM. Commercial and residential appraisal review.
2004 - 2011
~7 yrs
Relationship Representative Healthcare Banking Group
Amsouth Bank
Assist in development of new business, qualification and creditworthiness of prospects. Portfolio management of existing relationships in the Clearwater office. Take part in customer calls. Analyze financial data, client needs, profitability and quality of relationship
2001 - 2004
~3 yrs
Credit Administration Manager
Madison Bank
Manage loan-servicing department supervising 4 person staff. General ledger account reconciliation. Collect past due commercial and residential loans. Serve as liaison with external credit review personnel, regulatory authorities, and secondary market entities including FNMA, FHLMC, SBA and various software vendors.
2000 - 2001
~1 yr
Senior Underwriter
Bank Of America Mortgage
Issued loan approvals or denials while providing full array of FNMA/FHLMC and CRA products. Trained and supervised account executives.
1999 - 2000
~1 yr
Correspondent Approval Manager
Mayfair Mortgage Plus, L.L.C./Delphi Mortgage, Inc.
Analyzed application packages submitted by mortgage banks to determine the feasibility of the purchase and sale of loans on the secondary market. Underwrote full array of subprime and nonconforming products for start-up mortgage banking company with 12 employees.
1996 - 1998
~2 yrs
Assistant Vice President
Chase Manhattan Mortgage Corporation
Accountable for underwriting and issuing approval or denial of all residential mortgage loan applications submitted by company’s national network of correspondent mortgage banks. Marketed and sold residential mortgage products in the upscale market to professional and business owners/managers. Supervised 125 retail loan officers in 31 markets in the.
1987 - 1996
~9 yrs
Assistant Vice President And Commercial Loan Officer
Coolidge Bank And Trust
Responsible for sale of commercial loan and commercial real estate products as well as collection and analysis of data on loan proposals and presentation to executive loan committee for approval. Collection of past due accounts and overdrafts.
1986 - 1987
~1 yr
Principal Bank Examiner
Commissioner Of Banks Commonwealth Of Massachusetts
Responsible for the completion of the safety and soundness Report of Examination for state chartered commercial retail, mutual savings and cooperative banks and credit unions. Completed FDIC, NCUA and Federal Reserve safety and soundness Reports of Examination.
1976 - 1986
~10 yrs
2 education records
James Cusick education
Master Of Business Administration - Mba, Banking, Corporate, Finance, And Securities Law
Bachelor Of Arts (B.A.), Economics
FAQ
Frequently asked questions about James Cusick
Quick answers generated from the profile data available on this page.
What company does James Cusick work for?
James Cusick works for Pathward.
What is James Cusick's role at Pathward?
James Cusick is listed as BANKING | CREDIT | RISK | UNDERWRITING | SBA | LOAN REVIEW | PORTFOLIO MANAGEMENT | REGULATORY | CONSULTING at Pathward.
What is James Cusick's email address?
AeroLeads has found 1 work email signal at @pathward.com for James Cusick at Pathward.
Where is James Cusick based?
James Cusick is based in Palm Harbor, Florida, United States while working with Pathward.
What companies has James Cusick worked for?
James Cusick has worked for Pathward, Pilot Bank, Seacoast Bank, Flagship Community Bank, and Florida Bank.
How can I contact James Cusick?
You can use AeroLeads to view verified contact signals for James Cusick at Pathward, including work email, phone, and LinkedIn data when available.
What schools did James Cusick attend?
James Cusick holds Master Of Business Administration - Mba, Banking, Corporate, Finance, And Securities Law from Boston College - Carroll School Of Management.
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