Mark Viens Email & Phone Number

Boston, MA, US

Cambridge, MA, US

Boston, Massachusetts, US

• Provide ongoing monitoring of the credit quality and performance of the CRE & Commercial Construction portfolio, totaling $641MM, by performing annual reviews, renewing lines of credit, requesting and analyzing.
• Assist Relationship Managers with modifications and extensions on existing CREM’s and Construction Loans.
• Assign credit risk ratings, spread financial statements, and advise relationship managers on credit structures
• Act as liaison between assigned Relationship Managers and Credit Managers to ensure cohesive & efficient underwriting process.

Boston, Massachusetts, US

Boston, Massachusetts, US

• Perform research and analysis to prepare written credit write ups for relationship managers and senior bank management that identifies credit risks and policy exceptions, resulting in $67MM of loan volume underwritten.
• Evaluate collateral, loan purpose and repayment sources, credit history, business financial condition, management ability and industry conditions for various loan types.
• Assign credit risk ratings, spread financial statements, and advise relationship managers on credit structures
• Work closely with Portfolio Managers, Relationship Managers, and Credit Managers to ensure cohesive underwriting process translating to decreased average days in underwriting from 27 in January 2022 to 8 in June 2022.

Enfield, Connecticut, US

• Managed an existing customer portfolio of 300 clients
• Negotiated structure of incoming loan applications, completed credit underwriting packages, approved credits within delegation of lending authority, and recommend for approval credits in excess of delegated authority
• Marketed Farm Credit products and services resulting in average portfolio growth of 40%
• Prepared and executed various loan closing documents and ensure regulatory compliance with each
• Marketed and managed branch FarmStart Investment portfolio providing commercial credit and business planning consulting to beginning farmers.
• Diagnosed, troubleshot, and escalated hardware and software tickets as Branch Technology Coordinator

Enfield, Connecticut, US

• Obtained customer financial data, evaluated for accuracy, and produced reconcilable records for credit analysis
• Completed the financial and collateral analysis for loan packets
• Wrote loan narratives and completed loan packets for approval
• Discussed, in detail, the probability of default and loss given default for the approver’s review
• Created and maintained relationships with borrowers, attended closings, farm visits, and closed loans when requested
• Assisted loan officers and branch staff in meeting goals and objectives through teamwork and cooperation

Arlington, Virginia, US

• Maintain accurate digital inventory records of all property and equipment at unit level
• Communicate effectively to higher channels of the supply network to convey shortages and surpluses
• Demonstrate expertise using Excel as well as proprietary spreadsheet and accountability software
• Selected as the Vermont Enlisted Soldier of the Year for fiscal year 2015 to represent the Vermont Army National Guard at the regional competition

• Organized, recorded, balanced, and filed all financial transactions
• Demonstrated ability to draft an internal control policy for partners to review
• Produced accurate monthly financial statements and reviewed these results with the partners
• Managed purchase orders and inventory levels based on previous and projected sales figures

Colchester, VT, US

• Evaluated client files and prepared tax returns of varying complexity for clients of various net worth
• Assisted senior accountants in reviewing tax returns prepared by staff accountants
• Worked closely with senior tax personnel executing trial balance procedures needed for preparing corporate income tax returns
• Prepared journal entries needed to reconcile book-to-tax differences for clients

• Worked with nutritionist to assure the best possible health, care and treatment of the milking herd of 200 cattle
• Trained new employees on proper operational procedures to ensure quality standards were met
• Provided a comfortable and clean environment for cows resulting in a 26,000lbs. rolling herd average
• Learned the value of ingenuity in managing daily operations

Manchester, New Hampshire, US

Bachelor'S Degree, Accounting

Education record