Joseph Ciccolini Email & Phone Number

Responsible for managing a $600 million portfolio of Broadly Syndicated Loans. Supervise a team of six professionals.• Completed 16 transactions in the primary and secondary loan market. Increased funded assets by $240 million, which generated net interest and fee income of $7 million annually.• Recommended and executed disciplined disposition of $80 million in criticized loans. Valued assets for downgrade and sold over the next three months, realizing a recovery of $600,000.• Rotated portfolio into better yielding loans to capitalize on changing market dynamics, resulting in a 42 bp improvement in yield with no material change in credit risk.• Executed all trading, purchasing and closing $550 million in volume on the secondary market.• Directed regular portfolio review with senior management. Conducted research and prepared reports to provide market intelligence, monitor price movements, identify portfolio opportunities, and enable faster response on time-sensitive transactions.• Improved relationships with syndication partners, resulting in better understanding of bank’s risk appetite and greater visibility into new transactions. • Industry expertise includes manufacturing, media, telecommunications, healthcare, environmental services, aerospace and defense, restaurants, transportation, chemicals, retail, and business services.

St Petersburg, Florida, United States

Raymond James Bank is a wholly-owned subsidiary of Raymond James Financial, Inc., a diversified financial services firm with annual revenue of $8.0 billion and 10,000 employees in 2,300 offices. RJBank was formed in 1994 to provide traditional banking services and invest in quality corporate loans to maximize shareholder return.Joined as Vice President and promoted to Senior Vice President. Originated loans from the RJF client base, national and regional markets, and participation in credits syndicated by money center banks. Consistently exceeded performance targets and was a key contributor as the bank’s asset base grew from $500 million to $24.5 billion. Adjusted underwriting standards as necessary to conform to changing regulations. • Completed over 200 transactions in both the primary and secondary loan market. Added funded assets of $2.4 billion, which generated interest and fee income of over $30 million annually.• Managed a portfolio of 37 loans with total exposure of $1.1 billion. Conducted quarterly reviews, amendments and refinancings.• Screened transactions, authored credit proposals, and negotiated with clients to optimize allocations.• Maintained high credit quality, experiencing minimal credit losses despite severe recession (2009). No past due reviews or documentation exceptions.• Industry exposure includes manufacturing, media and telecommunications, environmental services, aerospace and defense, energy, restaurants, transportation, chemicals, and mining.• Designed and implemented a new risk rating model for evaluating corporate loans, enabling the bank to better measure loan loss provision, resulting in a 25% reduction in reserves and higher bank ROE.

Master Of Business Administration (Mba), Finance/International Business, Magna Cum Laude

Bachelor Of Science (Bs), Accounting, Summa Cum Laude