Jim Ritchie Email & Phone Number

Atlanta, Ga, Us

Columbus, Georgia, Us

Indiana, Pa, Us

Brought in to strengthen the Credit Risk function and drive better Credit processes. Active member of Executive Council and Senior Loan Committee. Assisted in overseeing all Underwriting and Credit Risk decisioning for Business Banking and Commercial Banking. Put in charge of redesigning all approval processes for Treasury Management products with credit exposure. Worked with consultants to look at the end-to-end Credit and Treasury Management processes to identify gaps across policies, procedures, processes, and controls.

Pittsburgh, Pennsylvania, Us

Executive level management responsibilities for all underwriting and portfolio management activities for PNC’s corporate and commercial banking segments which included managing over 500 employees. Member of various executive level committees responsible for the approval of credit and business strategies, risk framework and changes to policies and procedures. Led and supported projects to drive efficiency throughout Credit Products including credit automation projects. Played major role on most technology platform design/upgrades covering end-to-end loan approval, booking and monitoring systems, helping drive efficiency and better data across business platforms. Fully evolved the underwriting/portfolio management model by increasing credit risk accountability and aligning functions to be consistent with Heightened Standards for large financial institutions.

Pittsburgh, Pennsylvania, Us

Managed a team of leverage finance professionals focused on providing senior debt financing solutions for middle market, private equity owned businesses. Financing transactions were generally cash flow in nature and used for LBOs, acquisitions, and recaps. Booked over $2.0B of leveraged loans over a five-year period and increased revenues by over 50%, seeing growth across all revenue areas. Increased PNC’s middle market sponsor book runner status, reaching as high as fourth. Drove down criticized assets from over 50% of the portfolio during the financial crisis to under 5%.

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Merged two portfolio groups together (Structured Finance and Equity Sponsor) totaling over $3.0B in leveraged loans. Managed team to handle all of the underwriting and portfolio management activities on new sponsor business while winding down the buy-side leverage finance portfolio.

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Managed group of leverage finance professionals, focusing on deploying capital in both sponsor and non-sponsor leveraged transactions, typically out of the Bank's footprint. Had full P&L responsibility for $2.0B+ portfolio and met or exceeded plan each year. Developed relationships with Wall Street banks to ensure team received appropriate deals opportunities. Led a team to recruit at University of Pittsburgh for corporate leadership development program.

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Originated Asset Based opportunities that fit within National City's risk appetite, closing on 18 transactions over a two-year period resulting in substantial loan and fee growth. Partnered closely with RMs throughout Bank’s footprint to develop an internal referral source for deals. Assisted in working out the largest criticized exposure in the Bank without taking any impairment.

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Developed and maintained relationships with a diverse group of companies in northeast Ohio, ranging in revenue size from $300.0mm to $3.0B. Pitched financing ideas/solutions along with other value-added products and services to meet clients and prospects needs. Increased profitability on 75% of portfolio in two years by selling deeper into relationships with various products and services.

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Master Of Business Administration (Mba), Finance

Bachelor'S Degree, Business Administration