Reporting directly to the President the position is an integral part of the senior management team. Responsible for the leadership of the Bank's credit functions including credit approval and administration, credit risk management strategies, portfolio management as well as loan review functions. Establish credit policy with controls sufficient to maintain satisfactory credit quality. Improved credit quality and strengthened credit culture resulting in improvement in overall credit risk ratings. Establish and maintain relationships with LOB partners providing strategic and tactical advice to mitigate risk.Enhanced portfolio reporting to meet board and regulatory reporting requirements including asset quality and stress testing. Management responsibility for loan operations, including loan servicing, documentation and appraisal review. Member of credit committee, strategic planning, compliance and risk management as well as Alco committees.

Executive management responsibility for both a national commercial and residential loan portfolio (wholly owned and loans serviced for others) including loan servicing, collections, workout as well as REO management. Developed strategic and tactical program to reduce problem assets and expenses. Managed staff of 20+ employees. Credit risk management responsibilities included development of policies & procedures, portfolio management, credit administration and loan review. Project manager for the residential loan system conversion.

Promoted to establish risk management as an integral, proactive and supportive department for the bank's lending activities, including identifying, quantifying and coordinating risk mitigation efforts.-Management and administrative responsibility for all at-risk and substandard loan portfolios (C&I, CRE, SBL, Residential, Consumer & Leasing) including restructurings, modifications, workouts, liquidations, foreclosures and collections.-Actively managed a portfolio of substandard and nonaccrual loans-Managed a national at-risk whole loan portfolio including loss mitigation strategies and foreclosure activity-Developed strategies for minimizing Bank's risk of loss in all loan portfolios including global portfolio monitoring-Worked in conjunction with all business lines in assessing and managing risk-Directed and established strategies in business litigation matters-Member of credit committee-Assumed responsibility for all REO management (commercial & residential).-Interacted with board of directors, internal & external auditors and federal regulators

Developed and maintained commercial loan portfolio with emphasis on small to middle market companies and inclusive relationships up to $10 million. Developed government leasing program. Team leader.

Recruited by $500 million denovo bank to design, develop, implement and market an automated small business loan approval program utilizing credit scoring. Responsible for all facets of small business banking ranging from loan origination and marketing to credit administration and portfolio monitoring. -Created credit scoring loan approval and closing system-Developed SBA lending program, becoming second largest RI lender . Responsible for SBA PLP certification and audit oversight-.Developed branch system as an effective marketing force of SBL products utilizing team concept and implementing training initiatives, outbound calling program and target marketing-Product development of SBL products and loan documentation

Prepared comprehensive written analysis on new and existing precious metals customers with borrowing needs up to $30 million.

Recruited by FDIC owned bridge bank to evaluate and manage the bank's commercial and real estate portfolio (centered in assets of $275 million), while maintaining going concern value pending its successful sale. Supervisory responsibility for all credits approved by the bridge bank. Devised and implemented credit policy and procedures. Served as chairperson of both Credit and Loan Review Committees. Managed and supervised 20 loan officers. Analyzed portfolio risk exposure in assisting with ultimate sale of bank.

Designed, structured, and implemented workout strategies on $40 million commercial loan and real estate portfolio. Negotiated debt restructurings, conducted liquidations and foreclosures, as well as prepared regulatory reporting and loan loss reserves.

Commercial Banking and Asset Based Lending GroupMaintained and developed $30 million commercial loan portfolio (C&I, ABL and CRE) with emphasis on small to middle market companies and inclusive relationships up to $10 million. Monitored existing portfolio, business development, loan structuring, and loan documentation. Gained detailed knowledge of loan documentation while working with in-house counsel during formal training program.Credit AnalystPrepared comprehensive written credit analysis for new and existing customers for use in the loan approval process. Assisted in training credit trainees.Management TraineeEngaged in formal training program with exposure to various lending areas: consumer, commercial, CRE, mortgage lending, and retail banking.