John Leclair Email & Phone Number

1700 Broadway N.Y. 10019

• Senior Account Executive & Commercial Lending Officer responsible for day to day monitoring and servicing requirements of a Factored or Asset Based client loan portfolio encompassing publically and privately held importers, wholesalers, manufacturers and service companies. • Structuring and financial underwriting for new and existing asset-based credit facilities specializing in Factoring, Asset Based Lending, Trade Finance and Working Capital credit facilities with ongoing collateral monitoring including field examinations and asset appraisals. • Actively involved with both large and small Middle Market account relationships and due diligence review, risk assessment and documentation to meet portfolio quality and quantity objectives.• Develop competitive strategies and innovative financial solutions for new and existing clients in order to retain and expand relationships.• Handle external contacts including customer negotiations, deteriorating credit situations, and new business opportunities. Accustomed to dealing with regulators, external auditors, legal counsel and senior management.

New York Ny

Responsible for relationship portfolio management and business development in the moderate echelon of the middle market, including:Evaluation of new business opportunitiesNegotiating, structuring and underwriting of new loan proposalsDetailed credit presentation and analysis of existing portfolio risks and growth opportunities.Solicitation of new business and cross-sell opportunities.Sterling National Bank 2003 to 2006

Commercial Lending Officer principally accountable for profitable account relationship management and new business development throughout the NYC Metropolitan area.Specialization includes Trade Finance, Working Capital and Asset Based lending, and marketing of various credit products and financial services to domestic Middle Market companiesTargeted clientele encompasses a diverse industry profile including apparel, textiles, electronics, general products and factored accountsOther primary responsibilities include presentation of detailed credit reviews and loan proposals to senior management, structuring lines of credit, loan underwriting, documentation negotiation and audit review.

Relationship portfolio management and business development in the lower to moderate echelon of the Middle Market.Evaluation of new business opportunities solicited by development officersNegotiation, structuring and underwriting new loan proposals, detailed credit presentation and analysis of existing portfolio risks and growth opportunities. Solicitation of new business opportunities including cross-salesProduct expertise centers in Working Capital, Trade and Formula Based lending within varying industries.

Senior lending and relationship manager for domestic middle market names with primary responsibility for business development and structuring lines of creditA Special emphasis on Trade Finance, Working Capital and Asset-Based lending.Handled Loan origination and documentation, credit review and monitoring of classified assets.Responsible for portfolio cross-selling.Prepared and presented credit proposals to Senior Management Committee for approval.Processed and implemented approved loansReviewed and assessed new renewal credit proposals from NY branches

Promoted to Team Leader principally accountable for management, workout and recovery of loans classified as substandard and non-performing.Developed various debt restructuring proposals for senior management approval and responsible for the implementation of such workouts.Was exceedingly successful in ensuring that the Bank had maximum recovery despite collateral having been substantially diluted in value and quality.Responsible for consultation with Bank legal counsel and clients, asset provisioning and liquidation, financial reporting, documentation review and negotiation, loan proposal review, and management and training of junior corporate professionals.Substantial experience as a Senior Credit Analyst responsible for the structuring of credit proposals dealing mainly with Middle Market companies.Proposals and credit reviews included financing for trade, working capital, real estate and other asset-based loans.

Responsible for the extension of commercial lines of credit to Small Business and Middle Market customers.Preparation and presented submission to the Credit Committee for approval. Responsible for training of subordinate credit personnel and supervision of collection staff.

M.B.A, Finance

Education record

B.S, Business Administration

NY Institute of Credit - Financial Statement Analysis 1