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.
• 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.
• 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.

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.

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.

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.

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.

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