Kyle Smith Email & Phone Number

Chapel Hill, Nc, Us

Raleigh, North Carolina, United States

- Provide solutions for businesses and investors needing financing for commercial real estate, residential real estate, new & used equipment, lines of credit, partner buyouts, and more- Analyze and underwrite new credit opportunities for both operating and investment companies.- Review financial statements, leases, market data, and more

Raleigh, North Carolina

- Managed a commercial portfolio of $100MM in total loan commitments for Senior Bank leader- Facilitated community outreach, which includes conducting numerous presentations at various events to represent the bank

Raleigh-Durham, North Carolina Area

- Managed a commercial/corporate portfolio of $80MM in total loan commitments that included firms with revenues of >$25MM.- Performed ongoing maintenance of the credit portfolio including covenant compliance, credit origination, annual review analysis, and financial statement collection.- Underwrote middle market, corporate, and shared national credit relationships.- Participated in weekly meetings with relationship managers, portfolio managers, and credit analysts to determine workload and delegate tasks.- Reviewed underwriting packages and made subsequent corrections for Junior Credit Analysts

- Actively managed a commercial portfolio of $55MM in total loan commitments that included firms with revenues of up to $20MM - Portfolio management activities included pre-flights, new money, annual reviews, renewals, and covenant tests for relationships with $5MM-$15MM in total exposure with a specialty in complex/watch list credits- Frequently met with senior credit leaders to discuss recommendations on strategy and loan structure- Monitored and trained Junior Credit Analysts on spreading and underwriting presentations- Routinely communicated with bank clients to request financial statements and ask follow-up questions

Greensboro/Winston-Salem, North Carolina Area

-Spread financial statements for commercial clients with an emphasis on accuracy and efficiency-Analyzed several borrowing entity type statements to provide a quality presentation of the clients financial profile-Daily communication with account officers to solve a variety of issues and gained valuable knowledge and trust from the field.-Achieved Top 3 in the department of 72 analysts for spread efficiency for three of the last four months-Performed annual desk review checks for upcoming renewals to find any mismatches in risk grades and make appropriate changes-Calculated risk grades for a multitude of commercial clients to enable precise pricing and exposure strategies-Extensive research and presentations on underwriting-Formally Credit Trained through OMEGA

Bachelor Of Arts - Ba, Economics/Finance

Omega Certification, Fundamentals Of Financial Accounting, Business Lending

Commercial Credit Underwriting