•Portfolio Oversight: Primary oversight responsibility for a large portfolio of electric cooperative/C&I loans. This involves managing the credit risk associated with these loans and ensuring compliance with regulatory requirements.•Underwriting, Surveillance, and Portfolio Management: Underwriting new loans, conducting ongoing surveillance of existing loans, and overall portfolio management. This involves assessing creditworthiness, monitoring performance, and implementing strategies to optimize the portfolio's risk-return profile.•Business Development: Succeeded in securing a new 100% borrower relationship, indicating success in expanding the institution's client base and strengthening its market position in the electric cooperative lending space.•High Performance: Generated more loan volume than any other member of their team, demonstrating strong performance and contribution to the institution's overall lending activity and revenue generation.•Process Improvement: Developed new reporting systems and procedural documents used by the Portfolio Management Group. This indicates involvement in enhancing internal processes, streamlining operations, and improving efficiency in portfolio management.

•Portfolio Management: Primary credit responsibility for a large portfolio of construction, term, and commercial and industrial (C&I) loans within the District of Columbia, Maryland, and Virginia (DMV) region. This involved managing the credit risk associated with these loans and ensuring their timely repayment.•Loan Underwriting and Credit Recommendations: Underwrote new loans and provided credit recommendations to management and loan committees. This included assessing the creditworthiness of borrowers, analyzing financials, and determining appropriate terms and conditions for loan approval.•Special Projects Coordination: Coordinated special projects, such as the underwriting of a 15-property loan pool acquired from a California lender and developing underwriting templates. •Risk Management Implementation: Implemented and oversaw a risk rating system for loans that were particularly vulnerable to negative effects due to the COVID-19 pandemic. This involved identifying and mitigating risks associated with economic downturns and external factors.•Recognition and Incentives: Received recognition and incentives for outstanding performance, including a merit raise and a retention bonus for remaining a critical employee post-merger. This highlights his exemplary contributions to the organization.•Process Improvement and Training: Chaired a new appraisal review process and trained staff in its use. This indicated his involvement in improving internal processes and ensuring compliance with regulatory requirements.•Special Asset Management: Worked extensively on "problem" and special asset credits, indicating involvement in managing distressed or non-performing loans. This involved developing strategies for loan workout or recovery to minimize losses for the institution.

•Comprehensive Loan Underwriting: Performed thorough and detailed underwriting for loans collateralized by various commercial real estate asset classes with an emphasis on market multifamily and low income multifamily properties. This included analyzing financials, property valuations, and other relevant factors to assess the risk associated with each loan.•Specialized Underwriting: Underwrote not only conventional CRE but also specialized properties such as affordable housing, manufactured housing, healthcare facilities, not-for-profit properties, special purpose properties, and tax credit properties. •Feasibility Analysis: Assessed the feasibility of various transactions, including acquisitions, refinancings, bridge loans, and construction loans. This involved evaluating creditworthiness and the financial status of borrowers and guarantors to determine the viability of each transaction.•Project Management: Managed multiple projects simultaneously and ensured that all client deadlines were consistently met. This required strong organizational and time management skills to effectively prioritize tasks and allocate resources.•Expertise in Underwriting: Recognized nationally as an expert in various aspects of underwriting, including "B" piece underwriting, Government-Sponsored Enterprise (GSE) underwriting, C&I underwriting, and portfolio/balance sheet transactions. •Client Management: Worked with a diverse range of clients, including major financial institutions such as Deutsche Bank, Wells Fargo, and others. This involved building and maintaining strong relationships with clients, understanding their specific needs, and delivering high-quality service to meet their expectations.•Securitized Pool Analysis: Provided recommendations on loans included in securitized pools based on thorough due diligence and underwriting considerations. This involved assessing the risk and potential returns associated with investing in such pools.