Matthew Gavin Email & Phone Number

Chicago, Illinois, Us

Chicago, Il, Us

Oversaw commercial middle market loan portfolio, specializing in C&I loans. Prepared presentations on deals for senior management's approval and negotiated terms with stakeholders. Conducted underwriting, structuring, and risk rating for new, renewal, and modification requests. Audited commercial loan portfolios of acquired banks for compliance and quality. Developed and implemented new departmental processes for efficiency and growth. Developed and implemented improved ACH underwriting standards, overseeing the underwriting and approval process for all ACH credit exposure. Assisted in developing enhanced underwriting standards for C&I middle market credits.• Grew the relationship management teams from two to eight portfolio managers and analysts, restructured for efficiency, and managed $500m in credit exposure, later focusing on $250m as portfolios were reduced for closer oversight.• Governed substantial credit exposure, overseeing a portfolio with loan sizes from $1m to $15m and total exposure up to $20m, including smaller 'wedge' loans and add-on lines of credit.• Conducted thorough reviews of existing loan documentation, uncovering errors and successfully redocumenting the majority of loans to ensure accurate terms and conditions.• Expanded portfolio from three to five relationship management teams with the number of relationship managers increasing from 10 to 22.

Chicago, Il, Us

Spearheaded the credit analysis process within the business banking department. Supervised a team of credit analysts and governed the underwriting and closing processes. Provided training and mentorship to team members, fostering their professional development. Administered the entire lifecycle of commercial loan applications, from intake to documentation, underwriting, approval, closing, booking, and ongoing maintenance. Tracked portfolio performance and processed all loan advances and maintenance requests. Worked with relationship managers to assess and structure initial loan requests, offering ongoing support throughout the loan duration.• Gained proficiency in evaluating and structuring C&I, CRE, ABL, SBA, and NFP loan requests.• Executed administrative and loan closing duties with precision, ensuring compliant processing, booking, and maintenance of loans.• Spearheaded the department's expansion from one credit analyst and four relationship managers to a team of four credit analysts and 12 relationship managers.• Upgraded underwriting standards, allowing the department to handle lower middle market loans and increasing the maximum loan size underwritten from around $500k-$750k to $1.5m-$2m.• Improved internal processes and procedures, resulting in enhanced consistency, reduced underwriting and closing delays, fewer errors, and a better client experience.• Streamlined loan application intake procedures, resulting in improved compliance with banking regulations.

Chicago, Il, Us

Chicago, Il, Us

Chicago, Il, Us

Processed customer transactions, including deposits, withdrawals, and loan payments, ensuring accuracy and compliance with banking regulations. Balanced cash drawers and vault cash, ensuring accountability and security of funds. Facilitated secure and timely cash shipments to and from the Federal Reserve.• Exemplified collaboration capacity by coordinating seamlessly with a team of tellers to achieve branch objectives, cultivating a cooperative work environment.• Displayed a customer-centric approach by offering superior customer service, resolving inquiries promptly, and enhancing overall customer satisfaction.

Sydney, New South Wales, Au

Bachelor Of Arts (B.A.), Economics

Training The Street

Accounting

Education record