John Kaldem Email & Phone Number

Milwaukee, Wi, Us

Racine, Wi

Gurnee, Il

• Provided accurate financial analysis and risk assessments of new and existing customers. • Responsible for making accurate decisions in granting loan requests up to $500K, using an understanding of credit and risk management concepts.• Provided management with recommendations on loan requests up to $1MM.• Minimized the bank's risk exposure by adhering to internal credit policies & procedures with respect to lending decisions. • Determined alternative means of financing for all borrowers when it is determined that the original request could not be accommodated or not in the best interest of the bank. • Collaborated with Relationship Managers to identify potential credit risks and mitigants in credit transactions.• Maintained and applied a comprehensive knowledge of fair lending issues, rules and various internal and external policies and regulations that directly impact the line of business.• Major contributor to the restructuring of First Midwest’s Small Business Program including changes to loan policy & other general policies and procedures.

Kenosha, Wi

• Managed a portfolio of over 100 relationships totaling $22MM• Presented new loan applications for new and existing clients• Developed and evaluated alternate courses of action and provided written recommendations for comprehensive turnaround plans for troubled credits• Interacted with attorneys and debtors to secure appropriate workout arrangements• Responsible for activities relating to forbearance agreements, bankruptcy, deeds in lieu of foreclosure and disposition• Analyzed and determined the impact of bankruptcy filings and ensured protection of the bank’s position as a creditor• Reviewed and analyzed financial statements to determine restructure options for workouts• Followed up with customers regarding past due loan payments and overdrawn deposit accounts

Kenosha, Wi