Responsible for the design/build of a bank-wide Financial Analysis and Underwriting Department, collaboratively worked with stakeholders to standardize the underwriting process and improve efficiency across the banks footprint. Developed and managed multiple complex and technical projects under tight deadlines that utilized MS Access and Excel based solutions to improve efficiency and reporting.

Identify, assess and pursue commercial loan opportunities. Develop negotiate and structure (rate, term, amortization, security) new business opportunities and prepare/present credit proposals to senior leadership for approval. Defending existing portfolio against competitive threats and maintaining target ROE/ROA on the existing portfolio.

Underwrite, assess and monitor risk for the Banks highest Net Worth clients; includes analysis/collateral review (including marketable securities, private equity/hedge funds, commercial real estate, aircraft, fine art, hobby properties, private company stock, yachts, etc.).

Managed a credit portfolio consisting of secured receivables and commercial loans totaling $3.0 billion. Directed all risk management activities, identified and pursued new business opportunities. Supervised a team of Credit Analysts implementing risk management and conducting daily account monitoring. Coordinated activities with field sales and field audit teams. Designed and built an Access Database (implemented nationally as a best practice) to track, monitor and report daily “pipeline”.

Completed credit underwriting (including annual review) for largest exposure GMAC automotive accounts (committed credit lines in excess of $25 million). Served as a liaison between the Commercial Lending Centers (in a six state region), and the Credit Analysis Department in Detroit (worldwide headquarters). Participated in the development of a national marketing campaign and implemented training programs for both retail and commercial lending staffs.

Managed all aspects of collections, business development and risk management in various locations throughout the country including Regional Business Centers (w/multi state reporting Sales Branches). • Responsible for retail/commercial portfolio performance and relationship development for one of the largest automobile dealer groups (National Accounts) in the mid-west. • Led a sales team (North and South Carolina) charged with developing and maintaining retail and commercial… Show more Managed all aspects of collections, business development and risk management in various locations throughout the country including Regional Business Centers (w/multi state reporting Sales Branches). • Responsible for retail/commercial portfolio performance and relationship development for one of the largest automobile dealer groups (National Accounts) in the mid-west. • Led a sales team (North and South Carolina) charged with developing and maintaining retail and commercial relationships, identifying and pursuing commercial loan opportunities, growing retail finance market share (extended service contract/other insurance products), and growing revenue generated through remarketing channels. • Managed Call Centers responsible for retail collections/customer service, Contract Processing Centers responsible for booking retail business, and Administrative Centers responsible for accounting, auditing and booking commercial business. Show less