Lawrence (Larry) Brobst Email & Phone Number

Wilmington, North Carolina Area

C-Suite expertise in Commercial Credit underwriting and Capital Formation. Detailed needs analysis and credit examination to include project specific and global cash flow, equity/debt structure, collateral valuation, and ongoing servicing.CFO/Treasury & Finance services to Entrepreneurs and Financial Institutions. Services include budget modeling to report historical performance and generate metric driven pro-forma financial statements, determination of Shareholder/Owner valuation and revenue specific profitability.Real Estate NOI calculation and Cap Rate application for valuation range determination.Effective communication with both financial institutions and borrower clients outlining credit specific aspects and resolution alternatives concerning over leveraged or distressed properties.

Wilmington, North Carolina Area

Commercial credit underwriting and decision making.

Wilmington, North Carolina Area

Launched a North Carolina state-chartered and FDIC insured financial institution in 2008, and subsequently formed a holding company to facilitate down streaming of convertible sub-debt as equity. Created a comprehensive and interactive financial model to report historical performance and generate forward looking pro-forma financial statements. Directed individuals in accounting, human resources, and operations. Utilized commercial credit underwriting knowledge to underwrite the commercial loan portfolio of other community banks as a prospective acquisition candidate.

Wilmington, North Carolina Area

Key principal and team member in the launch and sale of de novo bank. Led teams in conducting all accounting, human resources, operations, and compliance activities. Designed a comprehensive, interactive financial reporting and budgeting model. Developed or provided oversight for customer centric products, services, technology, and operating systems. Recruited, retained and mentored associates dedicated to “Best Bank” practices. Transitioned to Senior Credit Administrator post acquisition. Performed comprehensive cash flow analysis, thorough credit underwriting and establishment of credit structure for commercial loans to be extended to existing clients or prospects.

Wilmington, North Carolina Area

Directed both line and staff in commercial credit and banking relationship development for the New Hanover, Brunswick, and Pender tri-county area on an individual and team basis. Maintained one of the largest commercial portfolios within the Bank. Managed the third largest commercial banking group with autonomous individual lending and credit authority of $1 million for both secured and unsecured credit, and incremental loan/credit authority of $200,000.

Fayetteville, North Carolina Area

Managed, developed and grew the commercial lending portfolio. Serviced a significant number of single and multi-family construction contractors with financing for multiple acquisition and development projects. Maintained credit quality parameters far superior than Bank standards. Provided lending and other comprehensive banking services to operating companies and individual retail customers

Savannah, Georgia Area

Conducted credit approvals for the cities of Valdosta, Vidalia and Waycross, Georgia under independent credit approval authority of $500,000. Performed on-site and ongoing portfolio reviews as required in southern region of Georgia

Mba, Corporate Finance / Risk Management & Insurance

Bsba - Finance, Finance