• Responsible for underwriting and decisioning applicable commercial real estate credit opportunities while balancing risk and growth.• Works collaboratively with Relationship Managers, Credit Review, internal support staff, and others to provide credit expertise and support the commercial real estate loan origination and review process.• Responsibilities include ensuring loan structures are appropriate and consistent with bank lending standards, completing an appropriate level of underwriting for the risk and size of the credit opportunity, and decisioning credit requests with assigned lending authority.

* Responsible for partnering directly with the Relationship Manager on the extension of debt products solutions to meet clients' needs. * Works directly and collaboratively with teammates in risk, client coverage, and other areas of the bank to analyze new commercial credit opportunities, underwrite new or renewed credit exposure, and manage a portfolio of loans and other credit relationships.* Strives to balance credit quality goals and revenue goals by serving as an independent credit expert providing effective challenge to both coverage and credit risk.

* Responsible for leading the credit process, ensuring prudent loan underwriting/loan production, timely and accurate risk rating, and timely and accurate monitoring of credit risk in the corporate loan portfolio.* Leads a Team of Debt Products Managers and Associates who work closely with Credit Risk Officers to ensure proper processes and procedures are being executed accurately and efficiently.* Works closely with the Corporate Banking Executive, Market Managers, and other members of the Coverage Team on new and ongoing client activities.

• Responsible for leading the area’s credit process to ensure quality underwriting and servicing of the credit portfolio and achievement of financial goals.• Is proficient and knowledgeable about credit policy, analysis, and credit structure to develop solutions that meet the client’s needs as well as the Bank’s requirements.• Executes revenue growth initiatives while balancing client needs with the Bank’s risk tolerance and profitability targets.• Responsible for recruiting, managing, developing, and retaining top talent for credit underwriting positions.

• Served in a leadership role regarding credit issues in Indianapolis. • Responsible for approval of commercial and industrial loans (up to $10 million), commercial real estate loans (up to $5 million), and amendments and modifications to said loans.• Responsible for overseeing and executing portfolio management practices, including collateral control, compliance, delinquencies, and overdrafts.• Aided Relationship Managers in prompt identification and handling of any problem credits and proper risk ratings of the portfolio.

• Managed a staff of Credit Analysts who were responsible for working with Relationship Managers to underwrite credit requests with total exposure of $6 million and greater. Responsibilities included training the Analysts, assisting in their career development, and managing their workflow.• Responsible for underwriting and submitting credit packages on larger and more complex transactions to the appropriate Credit Officer or Executive Credit Committee.• Responsible for various reporting requirements and special projects.

• Assisted Relationship Managers in screening loan requests to determine viability. If such requests were deemed reliable, was responsible for preparing “deal memos” for submission to the appropriate Credit Officer.• Responsible for underwriting and submitting credit packages on large and more complex transactions to the appropriate Credit Officer. On smaller, less complex transactions, worked closely with Credit Analysts to ensure appropriate approval documents were prepared in a timely fashion.• Responsible for approving or declining commercial loan requests within assigned lending authority (up to $2.5 million).• Responsible for approving or declining consumer loan override requests.

• Participated in the corporate bond credit research process by analyzing the credit characteristics of certain specified industries and individual companies within these industries.• Analyzed fixed income portfolio characteristics and strategies for the actively managed portfolio and made recommendations to the portfolio managers.• Wrote investment analysis reports for presentation to the Investment Committee by compiling research data from available sources.

• Strategic and business risk analysis to assess the inherent risk of and to meet the needs of middle market clients.• Performed analysis to determine a company’s ability to repay debt based on its current and projected cash flows, its capital structure, and national and local economic factors.• As part of the Relationship Team, served as a financial advisor to prospective and existing clients regarding borrowing capacity, the most appropriate debt structure for the company, and how to improve the company’s capital structure.• Responsible for underwriting and submitting credit packages to the appropriate Credit Officer. Such packages included requests for credit facilities to a prospective client, the renewal of credit facilities to existing clients, or the restructure of existing credit facilities.

• Strategic and business risk analysis to assess the inherent risk of and to meet financial advisory needs of corporate clients (privately or publicly owned companies with over $250 million in revenues).• Performed analysis to assess the potential impact that changes in general economic factors, specific market and industry factors, or the capital structure would have on a company’s cash flow and credit profile.• Responsible for underwriting and submitting credit packages, similar to those mentioned above, for credit approval.

• Maintained a portfolio of middle market loans and was responsible for underwriting new credit facilities, renewing existing credit facilities, and monitoring the trends in the portfolio.• In the fall of 1996, was chosen to spend ten weeks in Columbus, Ohio to analyze results from a “buyer value” survey; one of several projects involved in the Bank’s nationwide reorganization.

• Responsible for providing Mayflower Transit’s Agents with rate quotes to relocate personal effects, household goods, and commodities to and from Alaska, rate quotes for the General Services Administration to and from anywhere in the world, filing international military rates with the government, and coordinating the transportation of all of the aforementioned shipments.• Additional responsibilities included customer service interaction with shippers and agents and the negotiation of rates with various outside vendors.