Matt Howarth Email & Phone Number

Greater Seattle Area

• Analyze borrower financial statements and make recommendations on covenant, structure and capital allocations.• Industry specific analysis in healthcare, Alaska Native Corporations, and real estate• Underwrite loans to some of the largest clients in the bank. Aggregate credit exceeding $80MM requiring involvement with senior management for over-hold limits and syndications.• Mentor other underwriters and credit analysts• Perform annual reviews on relationships with greater… Show more • Analyze borrower financial statements and make recommendations on covenant, structure and capital allocations.• Industry specific analysis in healthcare, Alaska Native Corporations, and real estate• Underwrite loans to some of the largest clients in the bank. Aggregate credit exceeding $80MM requiring involvement with senior management for over-hold limits and syndications.• Mentor other underwriters and credit analysts• Perform annual reviews on relationships with greater than $1MM in credit, testing covenants, and update risk ratings based on current trends.• Underwrite and monitor TDR and management attention rated borrowers and develop action plans to upgrade or exit relationships. Show less

Boise, Idaho Area

Middle Market Relationship Manager• Manage a portfolio of 40+ clients with revenues ranging from $10MM to $500MM• Active sales role bringing new clients in and growing existing relationships. • Liaison between the Idaho Middle Market team and our Credit teams located in Seattle and Cleveland.• Manage internal relationships with Treasury Management, Credit, SBA, Foreign Exchange and many more partners in pursuit of client goals.• Strong working knowledge of KeyBank’s… Show more Middle Market Relationship Manager• Manage a portfolio of 40+ clients with revenues ranging from $10MM to $500MM• Active sales role bringing new clients in and growing existing relationships. • Liaison between the Idaho Middle Market team and our Credit teams located in Seattle and Cleveland.• Manage internal relationships with Treasury Management, Credit, SBA, Foreign Exchange and many more partners in pursuit of client goals.• Strong working knowledge of KeyBank’s credit appetite and policies• Proficient in Salesforce, Moody’s and other analytical software Show less

Nampa, Id

• Analyze financial statements/spreads to determine credit risk to the bank and make direct decision on the application.• Underwrite and direct a new suite of small business products, developed to be a new streamlined lending approach that I directly managed.• Analyze credit and financial information to help guide and coach customers to help them achieve their own goals.• Manage and mentor 2 credit analysts.• Assisted in writing new lending policy for a suite of new products and… Show more • Analyze financial statements/spreads to determine credit risk to the bank and make direct decision on the application.• Underwrite and direct a new suite of small business products, developed to be a new streamlined lending approach that I directly managed.• Analyze credit and financial information to help guide and coach customers to help them achieve their own goals.• Manage and mentor 2 credit analysts.• Assisted in writing new lending policy for a suite of new products and worked on general commercial credit policy rewrite• Proficient in Fiserv, Accusystems and Precision. Show less

Boise, Idaho Area

• Interpret and analyze financial statements/spreads to determine credit risk to the bank, cash flow and debt service abilities, borrower and property information, and proper collateralization in support of credit approval process.• Helped to ensure proper funding for local and regional non-profit organizations including some municipality lending• Underwritten both owner occupied and investor property loans based on NOI analysis.• Helped perform construction inspections for… Show more • Interpret and analyze financial statements/spreads to determine credit risk to the bank, cash flow and debt service abilities, borrower and property information, and proper collateralization in support of credit approval process.• Helped to ensure proper funding for local and regional non-profit organizations including some municipality lending• Underwritten both owner occupied and investor property loans based on NOI analysis.• Helped perform construction inspections for draws• Analyze credit and financial information to help guide and coach customers to help them achieve their own goals.• Ensure compliance with lending policy guidelines and federal requirements.• Analyzed and underwritten approximately 2000 separate loan requests totaling approximately $1.1 billion.• Proficient in MRA (Moody’s), Tax Analysis, UCA cash flows and Microsoft Office applications including Excel with financial modeling and other various worksheets created. Show less

• Represented the bank on the Boise Valley Economic Partnership• Acted as interim voting member on the DL Evans Senior Loan Committee • Loan underwriting, appraising values, lien perfection, as well as SBA, USDA and government guarantee programs.• Performed and interpreted credit and cash flow analysis, capital budgets, and RMA industry comparisons.• Negotiated loan provisions, terms, and interest rates on projects up to $10 million.• Maintained client and business focus and… Show more • Represented the bank on the Boise Valley Economic Partnership• Acted as interim voting member on the DL Evans Senior Loan Committee • Loan underwriting, appraising values, lien perfection, as well as SBA, USDA and government guarantee programs.• Performed and interpreted credit and cash flow analysis, capital budgets, and RMA industry comparisons.• Negotiated loan provisions, terms, and interest rates on projects up to $10 million.• Maintained client and business focus and developed positive customer relations.• Trained in Real Estate development including monthly inspections of property and handling of draws.• Managed my own portfolio of local commercial customers both on a deposit basis and loan basis Show less