James Coughlin Email & Phone Number

Hartford, Connecticut

• Manage strategic planning, administration, and sales support for all commercial lines of business including: Middle Market, Commercial Real Estate, Asset Based Lending, Equipment Finance, Treasury & Payment Solutions.
• Represent the Commercial Bank on various committees and project teams across the bank
• Direct report of the President

Hartford, Connecticut Area

• Developed and implemented comprehensive underwriting and claims departments, including establishing risk acceptance criteria, risk metrics, portfolio targets, and control procedures for audit and compliance.
• Individually managed full-authority to accept commercial credit risk exposures on behalf of insurance company.
• Company has received a process patent for a portion of the assessment process.
• Successfully implemented underwriting platform to capture risk characteristics and all licensing requirements.

Hartford, Connecticut Area

• Selected by Executive Management to be a part of a 12 member team to conduct an enterprise-wide process efficiency evaluation across all business capacities.
• Chosen by Executive Management to assist new Chief Credit Risk Officer with redesigning and implementing a new infrastructure including realigning of staff and risk controls.
• Managed design and development of the credit risk information system and communication of credit information including asset quality presentations to Board of Directors, all levels of management, as well as investor.
• Managed regulatory relationship as liaison for Chief Credit Risk Officer.

Hartford, Connecticut Area

• Assisted new Chief Compliance Officer in re-engineering the regulatory compliance function for the corporation including building out compliance function from 11 employees to 58 full time compliance officers.
• Managed risk-assessment reviews for compliance with all regulatory compliance requirements and evaluated adequacy and effectiveness of controls across all lines of business.
• Conducted annual Enterprise-wide Compliance Risk Assessment and presented results to Management.
• Managed content review of online compliance training program and report quarterly to Board.
• Achieved industry certification as Certified Regulatory Compliance Manager.

• Provided leadership role in improving efficiency and accuracy of all asset quality reporting for company; chosen by Executive Management to act as Regulatory Liaison for Bank to establish working-relationship with.
• Provided efficient monitoring of loan portfolio through analysis of asset quality and trend of risk.
• Effectively provided leadership and support for establishing new asset quality ratings system.
• Developed automated risk assessment and data collection tool for portfolio analysis; assisted in preparation of reserve analysis, including peer analysis, for the Reserve Evaluation Committee.
• Actively participated in the due diligence evaluation of target acquisitions including asset quality evaluation, assessment of allowance for Loan and Lease Losses, reserve recommendation, and impact analysis of target.

Glastonbury, CT

• Selected by Executive Management to join commercial finance subsidiary to assist in implementation of corporate reorganization and to facilitate introduction of corporate credit culture.
• Managed six-member team to evaluate quality of portfolio management process including management of risk, new underwriting, portfolio administration, staffing capacity, and quality of management reporting.
• Provided portfolio monitoring of two regional portfolios totaling more than $2 billion for emerging risks trends.
• Provided accurate asset quality evaluation, reserve recommendations, and implication estimate of target portfolios as part of company’s acquisition, due diligence team.

Hartford, CT

• Managed and participated in risk assessment examinations for asset quality and business process, including regulatory compliance, in various lines of business throughout corporation with specific expertise in.
• Presented conclusions and recommendations in written report for Board of Directors, Federal Regulators, and Business Line Management.
• Successfully reorganized and managed quarterly reporting for Division while reducing staff by 25 percent.
• Actively involved in design enhancements to Division’s management information system.

Middletown, CT

• Managed all aspects of fiscal policy and corporate development of regional real estate management company.
• Managed portfolio of more than $20.0 million in real estate assets, business operations and five full-time employees.

Diploma, Banking

National Certification As A Certified Regulatory Compliance Manager, Regulatory Compliance

M.B.A., Finance

Bs, Business Admin. / Management