Joshua Cowing, Mba Email & Phone Number

Portland, Me, Us

Portland, Maine, United States

Portland, Maine Metropolitan Area

• Spread and independently analyze complex financial statements and cash flow ability to develop an assessment of a borrower’s credit risk• Work closely with loan officers in evaluating new credits• Seek to find creative alternatives to meet client borrowing needs. Familiar with alternative loan structures, and government guarantee programs that can be used to manage credit risk• Assess the overall financial condition of borrowers, detailing risks and mitigants, as well as evaluate… Show more • Spread and independently analyze complex financial statements and cash flow ability to develop an assessment of a borrower’s credit risk• Work closely with loan officers in evaluating new credits• Seek to find creative alternatives to meet client borrowing needs. Familiar with alternative loan structures, and government guarantee programs that can be used to manage credit risk• Assess the overall financial condition of borrowers, detailing risks and mitigants, as well as evaluate adequacy of repayment sources, cash flow, leverage, collateral adequacy, and guarantor strength• Collect and maintain industry data, including researching industry specific information from outside sources, online resources, industry publications, references from other banks, and credit agencies• Review collateral valuations and legal documentation for accuracy and compliance with Bank policies and applicable regulations• Assess compliance with regulatory guidelines and identified exceptions to loan policy, as well as recommending appropriate risk ratings• Assist with other responsibilities such as technology initiatives, process improvement initiatives, appraisal coordination and/or review, Management Loan Committee activities, and other special projects as assigned Show less

Lewiston, Maine, United States

• Management oversight for the Bank’s purchased loan portfolio, which included initial written assessment of each asset acquired. The initial assessment included a strategy to maximize income and diminish risk of loss in the future. Such action plans were recommended to Senior Management and investment partners on an ongoing basis. Daily responsibilities included restructuring credit and repayment terms, developing strategies to better secure collateral, collecting and monitoring monthly… Show more • Management oversight for the Bank’s purchased loan portfolio, which included initial written assessment of each asset acquired. The initial assessment included a strategy to maximize income and diminish risk of loss in the future. Such action plans were recommended to Senior Management and investment partners on an ongoing basis. Daily responsibilities included restructuring credit and repayment terms, developing strategies to better secure collateral, collecting and monitoring monthly payments, as well as taxes and insurance, working with borrowers to obtain financial information and preparing written in-depth analysis on an annual or bi-annual basis with recommendations to protect and strengthen the investment. • Management oversight for the Bank’s originated loan portfolio. Daily responsibilities included monitoring monthly payments, as well as taxes and insurance, working with borrowers to obtain financial information and preparing written in-depth analysis on an annual basis with recommendations to protect and strengthen the investment if necessary. • Completed specific assignments or shared responsibility for management oversight for the Community Banking Portfolio. Daily responsibilities included collecting and monitoring monthly payments, as well as taxes and insurance, working with borrowers to obtain financial information, negotiating and structuring of small commercial loans, preparing small loan credit underwriting analysis and handling loan closings. Additional responsibilities included annual reviews of commercial term notes in the portfolio with recommendations to protect and strengthen the investment. • Performed periodic credit underwriting assignments for loan portfolios under consideration, including a review of available loan documentation, borrower, guarantor and tenant analysis, recommendation of bid price based on cash flow modeling. Show less

Portland, Maine Metropolitan Area

• Spread and independently analyzed complex financial statements and cash flow ability to develop an assessment of a borrower’s credit risk• Worked closely with loan officers in evaluating new credits• Sought to find creative alternatives to meet client borrowing needs. Familiar with alternative loan structures, and government guarantee programs that can be used to manage credit risk• Assessed the overall financial condition of borrowers, detailing risks and mitigants, as well as… Show more • Spread and independently analyzed complex financial statements and cash flow ability to develop an assessment of a borrower’s credit risk• Worked closely with loan officers in evaluating new credits• Sought to find creative alternatives to meet client borrowing needs. Familiar with alternative loan structures, and government guarantee programs that can be used to manage credit risk• Assessed the overall financial condition of borrowers, detailing risks and mitigants, as well as evaluated adequacy of repayment sources, cash flow, leverage, collateral adequacy, and guarantor strength• Collected and maintained industry data, including researching industry specific information from outside sources, online resources, industry publications, references from other banks, and credit agencies• Reviewed collateral valuations and legal documentation for accuracy and compliance with Bank policies and applicable regulations• Assessed compliance with regulatory guidelines and identified exceptions to loan policy, as well as recommending appropriate risk ratings• Assisted with other responsibilities such as technology initiatives, process improvement initiatives, appraisal coordination and/or review, Management Loan Committee activities, and other special projects as assigned Show less

• Assessed the overall financial condition of borrowers detailing risks and mitigating factors• Evaluated the adequacy of repayment sources including cash flow, leverage, collateral adequacy, and guarantor strength• Assessed compliance with regulatory guidelines and identified exceptions to loan policy• Recommended appropriate risk ratings• Prepared Management Loan Committee packets and documented discussions through meeting minutes

Bangor, Maine, United States

• Completed department rotations to learn about the bank on a holistic level• Served as an integral part of a high-performing, collaborative, cohesive Cohort – exhibiting both leadership and supportive roles• Participated in and completed project work and additional assignments that delivered significant impact and improvements• Identified and supported community involvement efforts• Engaged in leadership training to prepare for a future management position• Cultivated… Show more • Completed department rotations to learn about the bank on a holistic level• Served as an integral part of a high-performing, collaborative, cohesive Cohort – exhibiting both leadership and supportive roles• Participated in and completed project work and additional assignments that delivered significant impact and improvements• Identified and supported community involvement efforts• Engaged in leadership training to prepare for a future management position• Cultivated meaningful relationships through regular networking opportunities• Developed technical skills and knowledge required to successfully transition into a role in Commercial Credit at the end of the Management Trainee program Show less

Bangor, Maine, United States

• Accurately and efficiently entered customer payroll into Evolution software • Independently researched customer questions and explored technological solutions to issues• Collaborated with customers to apply the bank’s products to fit their business needs• Monitored phone, fax machine, emails, and software queue for income payroll information• Managed a workload of 130 payroll clients, providing exemplary customer service

Bangor, Me

• Performed all check-in and check-out tasks• Managed online and phone reservations• Responded to guest feedback in a timely and professional manner• Collaborated with housekeeping staff to ensure all rooms met guests’ needs• Upsold additional facilities and services when appropriate• Processed guest payments through credit card and cash transactions

Jacksonville, Florida Area

• Planned and executed events held by the Jaguars and Daily’s Place concert venue• Prepared guest services booths and concierge desks for event day• Generated post-event reports for issue resolution• Conducted various recognition programs for game day staff• Supervised designated areas of the stadium and Daily’s place on event day• Responded to guest suggestions, questions, or complaints in a professional manner

Richmond, Virginia Area

• Collaborated with management to execute special events during training camp• Promoted registration for team initiatives• Utilized digital ticket scanners to track fan attendance• Distributed VIP passes to season ticket holders, sponsors, and football guests• Assisted with off-site charitable events• Managed video board and rotated content following a set schedule

Portland, Maine Area

• Supervised and trained new interns• Performed administrative tasks to prepare for promotions• Selected contestants to participate in the games• Executed promotions between innings

Bangor, Maine Area

• Managed a floor of 30 college students• Involved in the community as a university official• Planned and organized at least 8 activities per semester for my residents• Trusted by both students and administration to complete tasks

Portland, Maine Area

• Performed many different game day operations roles• Sold tickets through walk-ups and phone calls• Worked diligently to enhance the fan experience• Coordinated and executed promotions• Volunteered for extra shifts when offered by the front office staff