Jill Malick Email & Phone Number

Tucson, Arizona

Commercial Banking Relationship Manager with 15+ years of success, delivering results to help businesses in Tucson, Nogales, Yuma and across Southern Arizona grow and attain their financial goals.

Tucson, Arizona

Initially, I was recruited to serve as Senior Relationship Manager charged to provide our customers with expert advice on a variety of banking products and loans helping them to achieve their financial goals. Upon earning the respect and trust of senior management I was promoted to Business Banking Manager. In this role, I communicate potential risk exposure to lending staff and suggest underwriting improvements to mitigate risk, monetary exposure, and compliance gaps. I work closely with legal counsel pertaining to the international trade of imported goods by customers and companies owned by Mexican nationals.PROVEN RESULTS• Selected by management as one of only 18 employees nationwide to attend executive management training at the Pacific Coast Banking School at the University of Washington.• Chosen to build from ground up a new business banking unit in Tucson. Bringing the number of offices managed to three (Tucson, Yuma, and Nogales).• Reported year-over-year results that include an average net increase in new loan commitments and outstandings over the past five years.• Facilitated a change in credit culture and discipline that resulted in improved oversight ensuring a level of trust with internal auditors.AWARDS• Recognized as top-performing loan production unit in Arizona. This was achieved through utilization of extensive knowledge of credit structuring combined with hiring only the most talented staff.• Sales and Service winner for the state and nominated for Management Excellence.

I served as the driving force behind business development and deposit balance growth in the business banking unit. I consistently met and/or exceeded loan and deposit goals by having in-depth and detailed financial conversations with customers and offering a full range of consumer and business products to fit their needs. I managed a large portfolio comprised of loans in diverse business segments including non-profit, manufacturing, medical, investor real estate, education and service providers. I facilitated a variety of lending including construction and tax-exempt bond financing, real estate, C&I and effectively collaborated with other lending groups such as ABL, SBA and Middle Markets.PROVEN RESULTS • Selected by management to start a new business banking unit.• Consistently recognized as one of the top Business Relationship Managers in Arizona.

Kansas City, Missouri

I was promoted to Senior Underwriter in PNC Real Estate's Commercial Mortgage Backed Security division due to exceptional performance. I worked closely with credit and sales team in the underwriting of credits, researching new credit opportunities, and performing general portfolio management. I interpreted financial data, financial condition, and level of risk related to various types of borrowing entities including financial statement analysis, collateral evaluations, trend analysis ratio and industry analysis. I prepared detail underwriting analysis and loan summaries for income producing properties including office, retail, industrial and multifamily throughout all regions of the United States.

Kansas City, Missouri

I formulated, evaluated and managed a disposition strategy for a $50M portfolio of non-performing commercial real estate loans purchased from the Resolution Trust Corporation and financial institutions. I reviewed asset files, conducted collateral inspections, participated in negotiations with borrowers and attorneys, wrote business plans and created individual budgets for management and disposition of these assets.PROVEN RESULTS• Uncovered fraud on a commercial construction loan that resulted in a ‘friendly foreclosure’ on six luxury apartment projects in Southern California.• Contributed to a hugely profitable return on investment on the RTC portfolio.

Bachelor Of Arts - Ba, Justice, Magna Cum Laude

Pacific Coast Banking School, Graduated With Honors And Library Citation