Joseph Jensen Email & Phone Number

Salt Lake City, Ut, Us

Sandy, Utah, United States

Greater Los Angeles Area

Built and manage a multimillion-dollar C&I credit portfolio for multiple offices in commercial bank’s middle market. Negotiate and structure straightforward and complex credit transactions. Provided specialized credit expertise for internal partners and external clients / prospects driving results and creating long-term loyalty as a trusted financial partner and advisor. • Exceeded goals for closed new deals, proposals, and revenue targets in each of last 4 years by providing rapid responses to external credit requests along with high quality analysis to internal partners and committees.• Ensured high credit quality of portfolio while recognizing and communicating potential credit quality issues within bank on timely basis by conducting ongoing credit monitoring.• Exceeded goals for new relationships more than 60% and surpassed 200% of goal in delivering new credit proposals despite COVID-19 challenges in operations.• Generated above-average returns in actual size and adjusted for risk due to consistent success in negotiating pricing and credit structures that were favorable to the Bank. • Contributed to development and maintenance of Industry Portfolio Reports and Underwriting Guidelines, demonstrating strong knowledge of current regulatory environment.

Los Angeles Metropolitan Area

Managed portfolio and provided credit expertise to not-for-profit clients, including healthcare, education, and institutions. Coached and mentored junior associates / analysts by providing training, review of analyses, and approval of any exposure reports and proposed credit transactions. • Recognized with letter of commendation from nonprofit client’s board of directors for leveraging credit expertise and internal credibility to provide out-of-the-box solution.• Delivered zero payment defaults or moves to workout group across portfolio.

Underwrote new credit requests, renewals, and expansion of existing credit facilities ranging in size up to $225M. Directed ongoing maintenance and management of multiple credit portfolios, delivering high-quality financial, industry, and economic analyses to facilitate decision making.• Completed Bank of America’s Credit Management Development Program

Los Angeles Metropolitan Area

Performed in-depth analysis of a portfolio of client’s financial performance, operations, repayment capacity, and other critical issues, paying particular attention to industry and financial trends, and recommending changes as warranted. Monitored client’s financial condition and proactively identified issues and opportunities together with evaluating client’s covenant compliance and operating performance.