Winner of the 2021 HSBC Leadership Club Award and the Gold Heart Program. Managing $1 billion+ private banking credit portfolio containing some of the largest, most complex and diversified credits for highly sophisticated ultra high net worth individuals, family offices, celebrities, and principals of multi-billion dollar firms providing services in areas like wealth management, private equity, hedge funds, and residential and/or commercial real estate in prime markets.2021 Highlight: Booked over $800 million in financial sponsor private equity capital call credit facilities generating a collective upfront, commitment fee income of over $2 million.Partnering with the Relationship Managers and working with the client to identify credit lending opportunities, develop loan structures, negotiate term sheets, underwrite the loan approval request, and engage legal counsel to document and close the transaction. Loan sizes range from $1 million to half a billion. Facilitate the smooth management of the loan facility post-closing and assist in identifying cross-sell opportunities. Understanding and balancing client needs according to the Bank’s credit lending policies and risk acceptance criteria, developing suitable structures, and having the ability to communicate difficult messages or requests without alienating the client. Translating highest-level knowledge of financial analysis, asset valuations, and a broad understanding of various capital market solutions into viable business transactions. Able to deliver the Bank brand to the client by effectively interpreting client needs and identifying appropriate channels and opportunities. Manage and monitor a loan portfolio to ensure credit quality and compliance with lending policies and procedures.

Maintained a personal $1 million secured and unsecured credit line final signing approval authority limit. Managed an approved $250 million partner capital loan program portfolio for a major NYC based consulting firm. Managed an approved $31 million aircraft finance fractional share product program i.e. loan sizes from $1 million to $5 million. Underwrote, managed, approved, and overseen all aspects of a $900+ million private banking portfolio consisting of secured and unsecured credit facilities including marketable securities-backed financing, demand revolving lines,FX lines, letters of credit, term/time loans, etc., Conducted timely annual reviews, financial analyses, and underwrote in compliance with regulatory environment and bank policies. Traveled to other private banking credit teams and performed self-tests for internal audit reviews, i.e. Chicago, Miami, etc..

{Due to the acquisition of The Dime Savings Bank by Washington Mutual}Completed Washington Mutual’s Corporate Credit Training Program. Developed credit underwritings (including historical and projected financial analysis) of loan facilities (between $1million and $20 million) for new and existing customers. Structured new and existing credits for presentation to the Chief Credit Officer for approval. Utilized ROA and ROE profit models for pricing of credit facilities. Formulated forecast projections for loan, fee income and deposit products. Reviewed all pertinent credit and financial information, determining need for more thorough investigation. Analyzed and spread information statements and related material, and prepared summary. Coordinated the processing and closing of commercial real estate loans with attorneys, appraisers, and environmental agencies. Conducted credit investigations, trade checks & executed Litigation & Lien searches. Ordered Experian & D&B reports. Monitoring of collateral (accounts receivable, inventory, real estate, marketable securities). Provided assistance in the marketing process. Involved in the cross selling of depository vehicles to both new and existing customers.

{Due to the acquisition of Key Bank National Association -Long Island Division by The Dime Savings Bank}Overseen all aspects of a $160 million commercial loan portfolio in the Middle Market sector. Served as a liaison between clients and five relationship managers, responding to a wide variety of inquiries from both. Provided expertise to clientele in lines of credit, commercial mortgages, construction loans, term loans, SBA loans, demand loans, and comprehensive investment services. Conducted joint calls with the relationship managers. Processed booking of new commercial loans, renewals, and annual reviews, ensuring funds are advanced and all loan parameters are booked in accordance with their approval. Underwrote annual reviews and renewals of lines. Analyzed and spread borrowers' financial statements. Reviewed internally prepared loan documents for accuracy prior to loan closings. Initiated investigations of possible errors on bank statements. Prepared and monitored report of past due loans. Furnished credit reference opinions for our clientele to prospective credit grantors, vendors, suppliers, etc. Reviewed and maintained borrowing base certificates. Ordered Experian and D&B reports, executed Litigation & Lien searches. Opened and closed new DDA and money market accounts. Facilitated loan payments as well as advances. Initiated internal DDA account transfers and wire transfers. Acted as technology consultant. Evaluated and decisioned overdrawn and uncollected accounts on a daily basis.

Overseen all aspects of a $160 million commercial loan portfolio in the Middle Market sector. Served as a liaison between clients and five relationship managers, responding to a wide variety of inquiries from both. Provided expertise to clientele in lines of credit, commercial mortgages, construction loans, term loans, SBA loans, demand loans, and comprehensive investment services. Conducted joint calls with the relationship managers. Processed booking of new commercial loans, renewals, and annual reviews, ensuring funds are advanced and all loan parameters are booked in accordance with their approval. Underwrote annual reviews and renewals of lines. Analyzed and spread borrowers' financial statements. Reviewed internally prepared loan documents for accuracy prior to loan closings. Initiated investigations of possible errors on bank statements. Prepared and monitored report of past due loans. Furnished credit reference opinions for our clientele to prospective credit grantors, vendors, suppliers, etc. Reviewed and maintained borrowing base certificates. Ordered Experian and D&B reports, executed Litigation & Lien searches. Opened and closed new DDA and money market accounts. Facilitated loan payments as well as advances. Initiated internal DDA account transfers and wire transfers. Acted as technology consultant. Evaluated and decisioned overdrawn and uncollected accounts on a daily basis.

Total responsibility for branch management and operations. Developed new business in deposits, commercial loans, home equities and insurance and brokerage services. Implemented and monitored sales programs. Hired, trained and supervised administrative and customer service staff. Conducted annual performance and wage reviews. Provided strategic guidance and developed standards, which enhanced customer service. Conducted training programs in motivational, communications and selling skills for all levels of employees.

Continuously developed new business through external marketing efforts and professional relationships. Cross-sold bank products and services including cash management, trust and investment services, and leasing to new and existing bank customers. Exceeded personal sales and referral goals. Provided strategic guidance and developed standards, which enhanced customer service. Conducted training programs in motivational, communications, and selling skills for all levels of employees.

Supervised, trained, and scheduled workflow for tellers. Maintained branch office proof to general ledger. Ordered and shipped currency, provided superior customer service, generated referrals, Additional tasks included ATM proofing, supply ordering, teller mentoring, account analysis data entry, motivating tellers for cross-selling products, and review/complete teller performance records.