Josh Ruth Email & Phone Number

Cincinnati Area, Ky

o Services, deepens, and retains assigned profitable customer relationships by pro-actively evaluating and mitigating associated business risks and opportunities.o Responsible for the management and new business development of middle-market clients.o Develop a deep understanding of business owners, business strategy and financials.o Work to help Bank customers facilitate growth, maximize cash flow, enhance profitability, optimize capital structure and mitigate risk.o Support business relationships by financing asset acquisitions, business advisory services, buyouts, working capital needs, owner occupied real estate and global treasury management services.

Cincinnati Area, Ky

o Focus on existing relationships and acquisition of new relationships of businesses with total revenues greater than $1MM.o Act as a trusted advisor to Bank customers helping to facilitate growth, maximize cash flow, enhance profitability, optimize capital structure and mitigate risk.o Support middle-market and business banking relationships by financing asset acquisitions, business advisory services, buyouts, working capital needs, owner occupied real estate and global treasury management services.o Also worked as a Sr. Commercial Loan Underwriter managing a portfolio of commercial loans with total assets in excess of $150MM and credit requests averaging $15MM.

Cincinnati Area, Ky

o Cash flow, financial statement analysis and structure of lending relationshipo Commercial credit underwriting for credit requests ranging in size from $1 - $75MMo Reviewed and analyzed credit relationships ranging in revenues from $5MM - $500MMo Credit analysis for middle market, commercial real estate, non-profits and municipalitieso Also worked within Credit Policy and Risk Review developing commercial credit policy and reviewing commercial loan portfolios.

Masters, Finance

Bachelors, Business, Communication, Political Science

Activities and Societies: Pi Kappa Alpha, Student Government President, Order of Omega, Inter-Fraternal Council