Manages a portfolio of active commercial real estate borrowing relationships for CNB. Responsible for originating, underwriting, structuring, and negotiating CRE loans (primarily construction, bridge, and mini-perm). Loan size generally ranges from $10 to $50 million and includes both loans secured by multi-family, office, retail, self-storage, and industrial real estate as well as unsecured lines of credit. Proactively monitors portfolio for ongoing credit quality, credit renewal, and adherence to policy. Insures accurate and timely risk identification. Works in cooperation with the appropriate team member and/or client to resolve issues and prevent potential financial liability/loss.Expands portfolio and grows revenue through calls on existing and potential clients to determine their financial needs and provide solutions. Focuses on promoting long-term banking relationships by being a trusted partner who can provide creative solutions to borrower problems, which may involve cross-selling other bank products.

Participates in the loan origination and management process by providing credit and loan underwriting expertise to a team of Relationship Managers. Analyzes prospective loan transactions and credit worthiness of borrowers. Prepares credit write-ups and ensures all due diligence and background evaluation is complete and thorough before credit requests and/or other approval documents are granted.Reviews borrower and property level financial information, including tax returns, to create approval documents consistent with Bank format, policies and procedures. Includes determining sources and uses of funds, analyzing industry and regional data, and assessing relevant competitive factors, historical performance, projected results, risks, and mitigating factors. Ensures write-ups or other approval documents contain a well-supported recommendation or decision; the risk rating is correct and supported; and the data and analytics used to support the decision are accurate and calculated correctly. Works with borrowers directly to obtain accurate and timely information and details related to loan request or clarification of financial materials and resources.Authors credit approval memorandum and works with the RM in evaluating credit alternatives and creative ways to structure credits to ensure that transactions are within profitability and portfolio risk standards.Performs financial reviews of client's financial condition per Credit Policy guidelines including monitoring covenants and conditions pursuant to the loan documents. Takes a proactive approach toward resolution of any issues that may arise. Works in cooperation with the appropriate team member and/or client to resolve issues and prevent potential financial liability/loss.

Prepares credit analysis and investigation of new and renewed loans. Requests and provides the necessary documentation and financial facts for Credit Officer to analyze, evaluate, and determine appropriate credit structure and terms for potential borrowers.Monitors for receipt, and analyzes and evaluates documents surrounding credits. This may include financial statements for the company, owners, and/or guarantors, tax returns, cash flow, collateral, covenants, A/P & A/R aging, credit reports, etc. to identify strengths and weaknesses pertaining to a borrower's financial position.Provides analytical functions relating to due diligence, document processing, and financial statements analyses related to transactions, credit approval, and renewals. Prepares summary documenting factual analysis and supporting information for credit decision recommendations.Monitors and reviews reports and works with other Credit colleagues to obtain necessary information to ensure that reporting requirements are met.

A financial law firm focusing on debt, credit, and financial disputes, the Law Office of Daren M. Schlecter assists consumers and small businesses in loan or other debt workouts, provides pre-bankruptcy planning, provides bankruptcy assistance to consumers and small businesses to file for bankruptcy or defend their financial interest in bankruptcy, advises real estate businesses in distressed sales, and litigates business matters.Bankruptcy - Representation of Debtors, Creditors, and Other Parties. Background in representing Broker-Dealers and Financial Advisors to Negotiate Promissory Notes and FINRA Arbitration AwardsBusiness Litigation - Collection of Amounts Owed and Defending Collection Actions (Pre-Litigation, Litigation and Post-Judgment)Real Estate Matters - Representation of Buyer or Seller's in Purchase and Sale Negotiations and Litigation, Broker/Agent Disputes, Including Fee Disputes, Landlord/Tenant Matters

- Conducted extensive market research on comparable properties and created complex, multi-year cash-flow forecasts for potential commercial and multi-unit residential real estate developments- Advised corporate management on the effects of income, expense, and financing variability on profitability of potential development opportunities- Improved existing leasing and recording systems to ensure consistency across platforms and properties.

- Reviewed motions in adversary proceedings, researched case law, and prepared bench memoranda with a specific focus on complex Chapter 11 cases including real estate litigation- Prepared write-ups for the Judge on reaffirmations, relief from stay requests, and fee applications- Worked closely with Judge Russell in compiling the 2014 Bankruptcy Evidence Manual

- Drafted participation settlement agreements and writer borrowing agreements- Researched and helped resolve chain of title and clearance issues- Conducted legal research regarding player merchandizing rights for previous films

- Developed new sales channels that resulted in over $100,000 in new gross sales- Created and aided in implementing marketing plans for sales associates- Created extensive product pricing matrix for thousands of products in multiple sectors