Joseph Panaro Email & Phone Number

Experienced high-energy Credit, Lending and Special Asset Management Professional with a comprehensive Credit Analysis, Credit Management and Credit Reporting and Risk Analysis background. Advanced Lending Skills include extensive experience in Construction, C & I, CRE, SBA and Warehouse Lending as well as related Retail Lending and Marketing experience. Additional proficiencies include Business Development, Consulting, Financial Reporting, Project Management, Asset Based Financing, Commercial Loan Portfolio Risk Management and Analysis linked to Acquisition & Dispositions of external Loan Portfolios (Commercial & Retail). Proven success in Hiring, Training and Leadership of a Credit Analysis team including two new Supervisors located in remote locations and the hiring and training of new credit analysts demonstrated by the fact that the Bank eclipsed its highest loan production ever in 2022 with the help of the expanded Credit area. Established abilities updating Credit Policies and Procedures in Risk, Credit and Portfolio Management for the overall Loan portfolio which continued to improve year over year.Skills include:-Credit Analysis-Risk Management-Relationship Management-Policies & Procedures-Credit Management-Business Development-Leadership