•Senior Commercial Relationship Manager with a primary focus of effectively acquiring, underwriting, managing and growing profitable account relationships with complex and large sized businesses.• Portfolio management by way of monitoring loan performance relative to underwriting guidelines measured by adherence to loan covenants, overall borrower financial performance and continuation of asset quality.• Partner with other Bankers and lines of business to deliver the full complement of Wells Fargo products and services inclusive of but not limited to SBA, lines of credit, commercial real estate loans, term debt, unsecured debt, wealth management, payroll, merchant services and treasury. • Prepare credit memos and loan approvals for new requests, annual reviews and renewals in compliance with internal banking guidelines.• Provide expert judgment in accurately risk rating commercial clients by analyzing financial statements to uncover positive and negative trends in cash flow, leverage and liquidity.• Mentor the development of junior Relationship Managers and underwriting support team members.• Perform cash flow, debt service coverage, debt yield, valuation and other credit analysis for C&I, SBA and CRE deals.• Proactively partner with existing customers and prospects in order to fully understand their businesses, goals, strategies and challenges.• Build strong client relationships balanced with a strong risk-mitigating and compliance-driven approach.• Accountable for execution of all applicable risk programs: Credit, Financial Crimes, Regulatory Compliance and Operational Compliance.

• Manage a complex and diverse portfolio of medium to large sized companies.• Provide portfolio management support through quarterly financial analysis and covenant monitoring to minimize risk.• Prepare loan approvals for new requests, annual reviews and renewals in compliance with internal banking guidelines.• Perform cash flow, debt service coverage, debt yield, valuation and other credit analysis for C&I, SBA and CRE deals.• Mentor the development of junior analysts and underwriting support team.• Perform complex credit investigations and analyze diverse credit information for loans.• Analyze and formalize credit memos for presentation to approval committees.• Provide expert judgment in accurately risk rating commercial clients by analyzing financial statements to uncover positive and negative trends in cash flow, leverage and liquidity.• Performing research/analysis related to projects such as industry studies and management reports.• Accountable for execution of all applicable risk programs: Credit, Financial Crimes, Regulatory Compliance and Operational Compliance.

Senior Portfolio Manager at a commercial lending firm with a primary focus of performing credit analysis and portfolio management for commercial real estate deals throughout Georgia to determine lending solutions for a wide range of clients. • Oversee Firm’s accounting practices, including the preparation of intricate budgets, cost analyses, financial modeling and forecasting, • Underwrite, structure and document transactions by performing cash flow, debt service coverage, and other credit analysis for the evaluation of loans up to $50MM. • Create property level financial investment valuations and performance models for the purpose of property acquisitions, construction, bridge, SBA and traditional loans. • Lowered default rates 30% through the development and implementation of appropriate risk management policy and procedures.• Prepare credit memos to present before loan committee for approval.• Portfolio / asset management through obtaining payoffs, prepayments, reserves/draw requests, escrows, cash management, loan assumptions, procuring/analyzing operating statements, rent rolls and borrower/guarantor financials, performing inspections, executing post-closing requirements on various portfolios.• Structure mortgage modifications and restructures for complex loan scenarios.• Utilize keen negotiation skills working with board of directors, investment bankers, and banking senior officers to nurture relationships that ultimately equate to revenue production. • Directs investment and capital raising responsibilities for acquisitions for the Firm. • Achieved a deal closing percentage of over 90% through my expertise in structuring complex transactions and loan negotiation involving rates, terms, and collateral requirements.• Hires loan originators, consultants, and regularly collaborates with attorneys, banking officers, and mortgage companies to accomplish financial objectives.• Develop and implement corporate policy and ensure compliance across the Firm.

Investment Banking Analyst in a competitive Wall Street group that focused efforts on the analyses of companies to provide corporate finance advisory.• Closed AMVESCAP PLC’s $300 million 5.90% senior notes offering.• Advised AMVESCAP PLC with credit rating upgrade from BBB+ to A-.• Developed a working financial model for the $335 million Charming Shoppes, Inc. acquisition of Lane Bryant.• Performed merger model analysis and as well as income statement forecasting to analyze various business profitability scenarios. • Valued a hedge fund with approximately $667 million assets under management.• Performed revenue/ebitda analysis for publicly traded investment management firms.• Analyzed the corporate defense profiles of select firms within the investment management industry.• Conducted comparable trading and transaction company analyses.• Performed discounted cash flow and accretion/dilution analyses for specialty retail companies.• Executed strategic advisory assignments for numerous financial institutions.