• Preparation and presentation of commercial loan underwriting packages, portfolio management, and new credit structuring. • Servicing customers and potential customers by identifying suitable banking products and mechanisms, troubleshooting challenges, mitigating risk, and providing competitive solutions.• Contribute to commercial lending group with business development, credit efficiency, talent development, and portfolio management.

• Responsible for working with commercial underwriters, lenders, senior level managers, business partners, senior credit officers and compliance officers on specific deal requests, regulatory and legal matters, operational efficiency, procedural transformation, and bank-conversion efforts.• Responsible for the prudent use of discretionary limit designation in credit assessments, loan structure determinations and in overall support of achieving portfolio goals/ metrics.

SME underwriting manager, loan approval and portfolio management.-Subject matter expert of leverage lending portfolio (2020-current)-Subject matter expert of ICRE (2018-2020)

Underwriting and portfolio management of commercial lending clientele.

Contributing member of asset management team, property development/ value-add assessment, disposition and developing/ proposing financing solutions with JV partners and lenders. Worked directly for CFO, SEO and ownership.Developing financial models and presenting relevant information for the purpose of determining an appropriate action plan. Preparing construction, financing and projected cash flow models based on market conditions and dealings with project manager, lenders and executives. Prepare offering memorandums and sensitivity analytics for investors and creditors detailing sales and cost parameters, rates of return, capital formation and leverage reduction schedule. Types of real estate endeavors include new acquisition and development, condo conversion, value-add renovations (to multi-family), and dispositions of existing assets. Perform underwriting, market analysis, income capitalization/ cash flow modeling and due diligence efforts for real estate transactions and various business plans. Monitor performance against annual budget. Prepare and maintain project lifetime budget and forecast models. Prepare and monitor renovation budgets for various properties.

Underwriting new commercial loan production, servicing/ renewing existing loan portfolio, preparing and organizing documentation for OCC audits, co-authoring and editing commercial credit policy, underwriting templates, demonstrating methodologies and training credit analysts and underwriters.Primary underwriter and responder to OCC requests during initial examination of Bancorp’s large corporate syndication debt issuance. Received award and recognition for underwriting approximately one third of Bancorp’s new loan production and enabling bank to pass its inaugural OCC examination of highly levered transactions

Manager of market portfolio carrying 40 relationships with debt exposure ranging from $3,000,000 -$15,000,000 per account. Performed a thorough credit review and presented risk/ impairment rating, loan structure and treatment strategy recommendations of middle market relationships throughout the Midwest and South regions.Prepared underwriting and other credit packages, identified liquidity/ solvency sources, brainstormed strategic action with banking partners and legal counsel, determined impairment and recommended specific action with debtor. Types of recommendations include forbearance, credit restructure, formation of AB note, assignment of cash flows, asset sales/ consolidation, foreclosure of assets, enhanced financial/ collateral monitoring, initiate lawsuit, and other types of action plans. Purpose of action plan is to maximize Bank’s collection of outstanding/ impaired debt, while minimizing Bank-incurred expenses and time elapsed. Worked collaboratively to determine and document loss projections, non-accrual determinations, and spreadsheets detailing values, corresponding action plan and credit determinations. Track and manage credit metrics, loan compliance and adherence to action plan.Guided junior underwriters and analysts on financial analysis, collateral analysis and internal reports. Conducted interviews for new hires and promotions in credit department.Designated with $3,000,000 C&I signing approval authority 2009