Paul Lutsky Email & Phone Number

Westport, Connecticut, United States

Personally manage loan portfolio of over 100 clients and $150 million in Commercials Loan Commitments; managing pipeline, delinquencies, upcoming maturities and proper documentation for annual loan reviews and examinations. Develop and grow strong book-of-business in Greater New Haven and Fairfield County regions via various Chamber participations, volunteer work and personal centers of influence.Sole key employee retained in Patriot Bank’s acquisition of Prime Bank; Lead member of conversion team assisting in account transfers from Prime Bank to Patriot Bank’s core operating system.Establish goals and use performance metrics, followed by real-time data collection to take a proactive versus reactive response to risks and opportunities as a baseline for continuous improvement.

Orange, Connecticut

Report directly to and work with President and CEO.Directly managed day to day operations of Commercial Lending Department staff as well as Retail Branch staff as it related to commercial client management Function as a solutions and consultative seller by aligning commercial banking products with clients' specific needs.Establish and retain client-focused partnerships.Served as a catalyst for positive change and transformation management to maintain the Bank's competitive position and market presence.

Orange, Ct

Personally managed loan portfolio of over 70 clients and $45 million of commercial loan commitments; including annual loan reviews, covenant testing, periodic site visits, resolving payment and other issues.Compiled and reviewed business and personal financial statements and tax returns to analyze customer relationships for proper risk rating or new lending commitments.Provided training and guidance to Retail staff as it related to commercial lending products and offerings.

Orange, Ct

Conduct financial statement analysis of individual and commercial businesses to determine the risk involved in extending credit Complete loan applications including credit analyses, summary of loan request and submit to loan officer for approvalGenerate financial rations, using Microsoft Excel to evaluate customers; financial statusPrepare loans for audit and review

Assisted senior loan officer and evaluated loan documents• Review submitted documentation to ensure compliance with bank requirements• Enter clear, concise comments, and edit information on appropriate loan systems• Communicate professionally in oral and written format with internal and external customers regarding status requests, missing information, explanation of required documentation and/or closing information• Generated tax return analyses on loan files • Pulled / analyzed credit reports• Processed loan payments / cash advances and update loan file accordingly • Received cash and checks for deposit, verified amounts, and examined checks for endorsement• Maintained and balanced a cash drawer on a daily basis

With Honors

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Bachelor Of Science, Business Administration; Finance

Education record