Jeffrey Stanton Email & Phone Number

Virginia

• Independent loan review of regional and community banks to determine criticized and classified loans.• Loan loss reserve methodology (ALLL) testing to determine if specific and general reserves are adequate in the bank’s periodic assessment of the loan loss reserves given the mix of the loan portfolio and criticized and classified loans. • Write and update loan policy and procedures manuals that reflect the loan portfolio mix, trends and markets served.• Other services such as special projects and other contract work; credit analysis, portfolio management and appraisal review.

Washington D.C. Metro Area

Contract national bank examiner for credit and asset quality review for banks located primarily in the OCC’s Northeastern District but periodically Central and Southern Districts to ensure a safe and sound federal banking system in the United States.

Warrenton, Va

Underwriting of FHA multi-family mortgages (Section 8, senior, assisted living and market rate) for HUD loan guarantees, including appraisal review, financial analysis of the project and borrower, financial review of other projects and associated debt, environmental and ensuring all document requirements are met for National Housing Act §221, 223 & 232 loans.

New York, Ny

• Monitored and managed credit risk within the Bank's lending activities. Performed all credit related processes and reporting to senior management and to the Board of Directors and worked closely with the CLO and lending team.• Evaluated all credits prior to submission to Management Loan committee, ALCO, and/or the Board and mentored lenders to improve the quality of the loan through a change in loan structure to bring it into conformance with credit policy.• Determined loan risk ratings at loan origination and through the loan review process at least annually in collaboration with third party loan review consultants in accordance with FAS 114 and 5. Coordinate review of larger loans with third party loan review consultants. It was a high profile position and reported on overall portfolio quality to the CEO and Board.• Performed analysis required to determine the Bank's Allowance for Loan and Lease Loss reserve is adequate and to ensure it is reflective of the quality of the loan portfolio.• Maintained a Criticized/ Classified loan listing encompassing all loans that are rated less than "Pass" by the regulators, third party loan review consultants or management's Internal Asset Review Committee.• Managed certain third parties, such as loan review consultants, regulatory representatives (OCC and Fed) focused on credit quality, and public auditors performing quarterly reviews or annual audits.• Implemented changes to Lending and Compliance Policies and Procedures as appropriate based on market conditions.• Loan workout. Restructured delinquent, non-accrual, criticized and classified credits in real estate and C&I loans.

Greater New York City Area

• Credit consultant for US Corporate Banking Department. Wrote annual reviews for US corporate customers in a large international bank including oil & gas, airlines, telecom, transportation, Energy & Power, Hotel & Gaming companies.

New York, Ny

• Portfolio management, at a $2.2 trillion in assets international bank, including new credit initiation, participating in syndicated transactions, structuring of new transactions and analysis, review and monitoring of existing credits.• Managed a non-investment grade portfolio of $1 billion to maximize earnings and minimize credit losses.• Secured credit approval for a $2.5 Billion loan commitment to major telecom company which resulted in $10 million in fees.• Managed a restructured loan/workout portfolio of $1 billion to minimize credit losses and was on a small team to reduce 162 problem loans to 7 loans within 18 months, which resulted in reducing required loan loss reserve allowance by $400 million.

New York, Ny And Atlanta, Ga

• Provided the credit approval, credit policy and supervision of North America corporate customers at a $1.6 trillion in assets international bank for Senior Managing Director reporting to Japan• Oversaw lending teams comprised of Industries to include Service, Transportation, Manufacturing, Machinery, Media & Telecom, Oil & Gas, Energy & Power, Leisure, Hotel and Gaming, Healthcare, all (Asset Backed Securitizations) ABS & ABCP (Asset Backed Commercial Paper), Structured/Project Finance and a majority of restructured and the work-out credits.• Credit approval for investment grade, non-investment grade and middle market Credit approval for Highly Leveraged Transactions, /CMBS (Commercial Mortgage Back Securities), International Trade finance, Structured Finance, Public Finance, Aircraft & Equipment leasing and other counter party risk (FX, swaps, derivatives, options).• Relationship manager for investment grade and non-investment grade borrowers located in Florida and Georgia including real estate lending and Fortune 500 and middle market lending.• Marketing responsibilities included relationship management, new business development, participating in syndicated transactions and structuring of transactions from a customer base located in Florida and Georgia.• Credit responsibilities included portfolio management, credit analysis, credit application, due diligence, documentation, monitoring, review and managed an existing customer portfolio of $1 billion.

New York, Ny

• Successfully completed formal money center bank Credit Training Program (9 months).• Commercial & Industrial lending and real estate lending to and middle market customers in NYC and New York State.• Agent of syndicated transactions particularly M&A (LBO) lending for non-rated middle market and large corporate customers.

New York, Ny

• Conducted loan review of the major credits, HLT (How Leverage Transaction), LBO, Fortune 500, Middle Market, Shipping, Energy and Real Estate for inclusion as classified loans in the Asset Quality section of the Report of Examination.• Supervised, trained and led a team of 10 Assistant Bank Examiners.• Completed Bank Analysis I, II and III certification training at the Board of Governors of the Federal Reserve System.

Mba, Finance, Accounting

Bs, Finance, Management

Activities and Societies: US Army ROTC