Julie Schofield Email and Phone Number

Relationship manager for a portfolio of ABL commercial and corporate clients. Responsibilities include collateral monitoring, financial analysis, and credit underwriting.

• Managed a team of 8 credit professionals. Maximized team performance by identifying and developing strengths of team members, as well as resolving problems for the team. Managed regional projects and executed corporate initiatives. • Coached, mentored, and developed staff, including overseeing new employee onboarding and providing career development planning and opportunities. Organized training workshops to improve the performance of team members. • Spearheaded projects designed to improve the organization’s credit processes and ensure compliance with new banking regulations in a time of increased industry scrutiny. • Maintained a positive working environment during a time of substantial organizational transition and rapid change in the banking industry. Managed to retain substantially all team members during a time of high turnover.

• Responsible for analyzing and approving a variety of commercial credit requests. Played an integral role in increasing sales and profitability in the commercial loan portfolio by identifying cross-sell opportunities and presenting competitive financing structures. • Reached independent business decisions regarding extensions of credit and loan structure up to individual approval authority of $4 million. • Effectively managed past due and maturing loans along with completing annual loan reviews in order to maintain high credit quality within the commercial loan portfolio. Successfully led an effort that improved regional performance from the 4th to the 1st quartile of all regions within the organization. • Developed loan officers in credit underwriting techniques and financial statement analysis to improve overall credit and risk management of the organization.

• Managed a business portfolio of more than 40 commercial clients, which totaled over $110 million in loans and spanned a variety of industries. Maintained significant knowledge of underwriting principles and banking regulations and developed an expertise analyzing complex financial data. • Closed an average of $25 million in new loans annually by developing new business and cultivating existing relationships.• Successfully negotiated financing proposal terms to balance client needs with company objectives and collaborated with cross-functional teams to deliver results.• Committed to providing clients with a high level of service, which included providing in-depth analyses to assess the most appropriate financing options.• Won the annual Sterling Performer award for top sales performance company-wide. Achieved top 5% performance.• Managed a team of new lenders and provided training on sales techniques, credit underwriting, and relationship building.

• Responsible for supporting a team of controllers in the Information and Communication Networks division at the company’s headquarters.• Utilized SAP to produce monthly division reports and provided status of financial condition by collecting, interpreting, and reporting financial data. • Assisted in achieving divisional budget objectives by analyzing information for variances and summarizing information and trends.

• Provided support for a real estate brokerage that specializes in properties in southern France marketed mainly to German and British buyers. • Managed a database of real estate properties.• Corresponded in German and English with potential and current buyers.• Translated German website and texts into English.