Jay Tucker Email & Phone Number

United States

Providence, Rhode Island, Us

• Responsible for prudent underwriting and effective credit and risk administration with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation, on-going portfolio maintenance activities, and client support for an assigned portfolio of existing credits and prospects primarily of higher complexity.• Managed a portfolio of construction projects and income producing properties in excess of $700 million.• Ensure the overall portfolio performance and asset quality remains strong and collaborates with others on strategies and actions to limit risk and loss to the Bank.• Assist the Relationship Manager in structuring more advanced credit transactions, developing proposal letters, term sheets, and commitment letters. Takes the lead on the internal credit process for obtaining approvals of credit proposals.• Ensure loan agreement is in accordance with approval documents. Identifies potential issues contained within loan documentation and takes steps to address the issues in consultation with Relationship Manager. Key voice with the interaction of the client in closing transactions.• Monitor the performance of existing borrowers within assigned portfolio and ensure compliance with financial covenants.• Independently applies the conditions of credit decision to the different types of credits contained within the portfolio to ensure that all monitoring and tracking requirements are met and that all documentation is up to date per policy.

Cleveland, Ohio, Us

• Managed a portfolio in excess of $500 million • Partnered with Relationship Managers and Senior Bankers to provide comprehensive financial advice and solutions that enable the clients to meet their financial objectives and utilize the full breadth of the Bank's product platform.• Help drive the financial performance of the team's revenue and risk management goals through portfolio management activities including credit facility underwriting and structuring, credit risk and exposure monitoring, file maintenance, on-going covenant compliance verification, business development and lending/sales support, and operational support.• Identifies opportunities to provide the client with knowledge and access to the breadth of Key's product platform which includes: interim and permanent credit facilities, cash management, interest rate management, syndications, private equity, subordinated debt, deposits, leasing, private banking, and equipment finance.• Coordinates and completes annual reviews, loan renewals, quarterly portfolio reviews, and asset quality reports. Monitors assigned portfolio for adherence to approved loan requirements and manage past dues, requirement ticklers, portfolio follow-up, and credit files. Works with Client Servicing to facilitate completion of annual reviews and property inspections, monitoring of covenant compliance and other items to secure the Bank’s position and avoid potential losses.• Partners effectively with Credit, Product Partners, Closers, Servicing, Technical Services, and other partners to identify cross-sell opportunities and deepen client relationships as well as solve internal obstacles and deliver a seamless execution.

Charlotte, Nc, Us

• Manage a CRE portfolio in excess of $400 million consisting of over 85 relationships.• Support the Senior Credit Officer in the administration of the commercial real estate loan portfolio for two relationship managers in order to achieve the desired results of quality and profitability. . • Participate in the relationship risk management process through preparing thorough and accurate loan review packages, conducting timely covenant compliance, and completing special reporting/assessments that adhere to bank policy.• Provide support to relationship managers by validating underwriting, policy compliance and risk assessments on credit request packages to be submitted for approval.• Assist in portfolio risk management by completing third party reporting initiatives, specified quarterly and annual reports, and risk management special projects.

Charlotte, Nc, Us

•Manage a portfolio of CRE and C&I problem loans in excess of $300 million consisting of over 70 relationships.•Support the Senior Credit Officer in the administration of the commercial loan portfolio in order to achieve the desired results of quality, profitability, and growth.•Evaluate alternative debt structure options for high risk clients to maximize recovery of asset value through workout, litigation, and/or bankruptcy. •Develop and execute comprehensive resolution strategies and recommend action plans including asset valuation, disposition strategy, and risk assessment by protecting and maintaining assets to maximize profits from eventual sales.

Birmingham, Alabama, Us

•Managed a portfolio in excess of $350 million while minimizing the bank's criticized and non-performing asset portfolios.•Restructured loans in an effort to bring to them to re-accrual status and to prevent non-performing assets.•Maximized recovery on commercial real estate loans previously charged off.•Helped to dispose of the bank's OREO in a timely manner and at a maximum price by working with our OREO Specialists.

Birmingham, Alabama, Us

•Originated and managed a portfolio of over thirty relationships averaging over $500 million in committed exposure.•Generated new business by creating lasting relationships within the real estate development and brokerage community and used those relationships to build a sound and profitable real estate portfolio.•Managed all aspects of the loan life cycle.•Chairman’s Club Winner 2007 for being the 5th highest producer in the company.

Birmingham, Alabama, Us

•Assisted in the underwriting of over $1.5 billion in real estate acquisition and construction transactions throughout the Southeast, performing credit analyses to quantify the risk associated with each transaction. •Used comparable analysis to determine a valuation for subject properties based upon recent sales, acquisitions, and comparable market rents while examining industry trends and researching specific markets to determine project viability.•Analyzed financial structure of each transaction focusing on equity contributed, risk adjusted return on capital, and cash flow from operations. Generated pro-forma cash flow statements and conducted sensitivity analysis to determine repayment capacity under various scenarios.•Spread and analyzed financial statements, noting historical trends in profitability, liquidity, and leverage.

St. Louis, Mo, Us

•Serviced existing accounts, made cold calls, and grew corporate business as the Branch Corporate Accounts Manager.•Responsible for accounts receivables.•Member of Top Performers Club.

Bba, Real Estate/Management/Marketing

Education record