Jeffrey Forgach Email and Phone Number

• Evaluated credit risk with a focus on C&I transactions ranging in size to $40 million • Structured, negotiated, underwrote and documented loan agreement amendments to initiate, modify, extend, renew or increase new and existing loan commitments• Regularly reviewed customer’s financial performance through the analysis of monthly, quarterly and annual financial statements, cash flow budgets and projections• Reviewed operations and performance of prospective and current clients• Maintained the portfolio’s integrity ensuring credit quality and soundness of risk ratings

Credit Portfolio Manager responsible for evaluation of credit risks and other key factors needed to recommend and make credit decisions. Manage all aspects of Underwriting process to ensure performance quality and adherence to Credit Policy.

Credit Policy Analyst - Overseas Private Investment Corporation (OPIC) OPIC is the US Government’s development finance institution, mobilizing private capital to help critical world challenges and in the process, advancing US foreign policy.Responsible for the in-depth review and analysis of loans, loan guarantees and related financing. Duties include creating new policies in response to lending needs and executive management directives.

Credit Policy Officer responsible for defining credit risks and tolerance throughout the Commercial banking footprint. Maintained governance in order to define sound underwriting practices and compliance with internal and external regulations. • Constructed and maintained 40+ Commercial and Small Business Banking credit policies and procedures; to include CRE, C&I and ABL; with direct interaction and approval from the Commercial Chief Credit Officer • Defined credit approval authorities and rules for the commercial credit business• Primary point of contact for internal Credit Review and Audit issue remediation• Secretary of the Commercial Divisional Credit Committee • Developed and directed monthly credit policy training sessions

• Performed independent review of Commercial Real Estate and C&I loan portfolios and credit risk management processes• Completed an accurate reading of the institution’s risk profile, processes and procedures and provided practical recommendations for improvement

• Completed formal credit training while managing a portfolio of 55+ commercial credit corporations with revenue of $5 - $50 million specializing in lines of credit, commercial mortgages and construction facilities• Provided highly personalized and efficient delivery of all bank services including credit, Treasury Management, and investment products• Generated initial client proposal, credit underwriting documentation and obtained credit approval• Performed high quality, timely and relevant assessment of the credit risk associated with existing and proposed credit exposures between $1 million and $20 million• Requested and monitored the receipt of required information including financial statements, borrowing base certificates and other financial covenants to ensure compliance with loan agreements

Relationship Manager responsible for growing, retaining and attracting long term profitable customer relationships and becoming the client’s trusted financial partner through needs based solutions.• Closed $128 million in new loans in 2011, exceeding $20 million loan goal by 540%• Managed a $250 million portfolio of 25+ clients consisting primarily of Private Equity firms, Non-Profit organizations, private schools and (Ultra) High Net Worth Individuals

Senior Portfolio Manager / Underwriter responsible for rigorous borrower analysis and assisted with deal structuring to meet client's overall needs.• Reported financial, industry and economic analyses to Senior management to facilitate the timely preparation of approval documents to support the credit decision-making and structuring process• Managed a $300 million portfolio of 50 CRE and C&I companies consisting primarily of service firms, private schools, wholesalers, manufacturers and restaurants• Identified and reported changes in borrowers risk profile and adjusted internal risk ratings• Trained and mentored junior Underwriters and Analysts

• Coordinated with Relationship Managers to establish multi-bank syndications and prepared Confidential Information Memorandums for prospective lending institutions • Prepared and presented credit analysis to Senior management• Managed a portfolio of 30+ multi-national corporations with revenue up to $10 billion• Monitored loan terms, conditions and financial covenants and adjusted risk ratings