Patrick Mcmullan Email & Phone Number

Commercial Lending – Risk Mitigation – UnderwritingSenior Commercial Banking Executive with expertise in finance, commercial underwriting, and lending. Supreme skills in credit analysis and diversified capital structures. Supports new business development, customer relationship management, credit underwriting and problem loan management.Entrepreneurial leader with history of financing business deals and ensuring success of key banking programs. Earns respect for developing outstanding customer relationships and contributions in volume, growth, brand, and profits.-Sold large distressed asset fund to reduce amount of non-performing assets on books for federal regulators. Creatively refinanced out at par, saving over $12MM and avoided sale to venture capital firm.-Established new line of business to expand cash flow lending business into security monitoring business. Closed $180MM+ in new business volume with portfolio of assets that had experienced low charge-off rate of < 1%.-Led credit initiatives on structure and syndicate of $100MM facility of senior debt for three FM stations located in California with spectrum frequency and tower assets in Mexico. Collaborated with multiple layers of legal counsel, frequency engineering and compliance, and structuring in US and Mexico (FCC & SCT).-Prepared complex forensics on entire transaction of borrower who owned TV stations in Las Vegas and in payment default spanning many different years and through multiple amendments/restatements. Efforts enabled negotiations and amendment to facility and recovered $600K in past due interest and fees.Risk Mitigation - Deal Structuring - Strategic Planning - Corporate Finance - Asset-Based Lending Workout – Restructuring - New Business Development - Underwriting - Credit Analysis - Operations - Startups & Leadership - Customer Relationship Management - Valuation - Business Development - Portfolio Management - Capital Market Strategies - Financial Services Reporting

Listed skills include Finance, Loans, Analysis, Financial Reporting, and 14 others.

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  Senior Vice President, Regional Credit Officer

  Huntington National Bank

  Jul 2021 - Present