Joe Cigna Email & Phone Number

Charleston, Sc, Us

Charleston, Sc, Us

Charleston, South Carolina Metropolitan Area

- Single signature approval authority up to $5 Million in new money and dual signature approval authority typically between $100-175 Million- Actively Managing and growing a portfolio spread across the Coastal Carolinas and Midlands of $200+ Million in outstandings and $400 Million in commitments-Create highly specialized loan structuring for both Middle Market and Business Banking Clients with up to $2 Billion in Revenue - Indirectly Lead a team of underwrites and credit support associates to delivery, execute, and manage our region

Charleston, South Carolina Area

Charleston, South Carolina Area

Underwriter for $5+MM Investor Developer Commercial Real Estate Credit Facilities Actively manage a $200+MM Commercial Real Estate Portfolio spanning from Delaware to South CarolinaAdvanced Proficiency in Commercial Mortgages, Construction Facilities, Derivatives, and Market Risk Analysis

Charleston, South Carolina Area

- Ranked as a top 3 analyst in production reports for the Carolina Region for 52 consecutive weeks -Control an $80+MM portfolio consisting of over 50 relationships, which is one of the highest in the TD Bank footprint-Acted as an interim relationship manager /Junior lender by deepening existing relationships with new exposure opportunities -Underwrote/analyzed Single Relationship exposures ranging from $1-45MM-Aided in the formal training of 3 new credit analysts- Annually reviewed and renewed my portfolio in compliance with OCC and OSFI bank requirements

Charleston, Sc

Development of a borrower specific credit risk profile through financial modeling and industry analysis.•Responsible for a $40 Million Dollar credit portfolio assigned to me for analyzing future credits, annually reviewing, and monitoring throughout the fiscal year.•Responsible for guarantor and Borrower analysis through cash flow and debt service modeling, used for risk rating purposes.•Conduct prospective collateral evaluation, and responsible for monitoring of existing collateral coverage.•Analyze and assign risk ratings to commercial loans ranging from $1,000,000 to $10,000,000 in the Coastal Carolina region using UCA cash flow, ratio analysis, trend analysis, projections, and guarantor analysis.•Play a key role in the preparation of loan documents for commercial lenders who bring in new, profitable loans.•Annually Review credit relationships using updated tax returns and/or financial statements•Formally trained through a 10-week program at TD University, which included RMA Commercial Credit for Lenders training.

Charleston, South Carolina Area

•Development of a borrower specific credit risk profile through financial modeling and industry analysis.•Responsible for guarantor and Borrower analysis through cash flow and debt service modeling, used for risk rating purposes.•Conduct prospective collateral evaluation, and responsible for monitoring of existing collateral coverage.•Analyze and assign risk ratings to commercial loans ranging from $500,000 to $10,000,000 in the Coastal Carolina region using UCA cash flow, ratio analysis, trend analysis, projections, and guarantor analysis.•Play a key role in the preparation of loan documents for commercial lenders who bring in new, profitable loans.•Annually Review credit relationships using updated tax returns and/or financial statements•Formally trained through a 10-week program at TD University, which included RMA Commercial Credit for Lenders training.