Michael Mulé Email & Phone Number

Paradise Valley, AZ, US

Top 3 in SW division for loan production in 2022 with $50MM in loan originations. Highest YoY net new commercial real estate customers brought into the bank in 2022 across SW division.

Scottsdale, Arizona

• Tasked with personally managing a complex credit portfolio consisting of significant exposure to the bank secured by income producing commercial real estate properties for 15 ultra-high net worth real estate investors.
• General responsibilities include understanding the Borrower’s credit needs and financial objectives, evaluating business and personal financial statements, determining reoccurring cash flow available to service debt.
• Specifically accountable for credit underwriting and origination, portfolio monitoring, renewals and annual reviews, coordination of pricing, and for revenue growth, cross-sell, and relationship profitability. Manages.

• Responsible for analyzing complex companies and ultra-high net worth sponsors, and presenting findings to senior management. Functions include: conducting complex credit investigations and analyzing diverse commercial.
• Accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to business banking company policies.
• Analyzed a variety of Commercial Real Estate projects, including multi-family, industrial, and office / single-tenant properties and multi-tenant properties / General Purpose properties and Special Purpose properties /.
• Worked as THE Credit Analyst for the AZ Investor Real Estate group to manage their credit portfolio by assisting with all aspects of portfolio management. Performed complex credit underwriting on nearly $300 million of.

• Hired directly for a formal business banking training program through Wells Fargo BBG. The training program is designed to assist new business bankers in financial and statistical analyses, conducting research.
• Successfully completed and passed the “Omega Performance” commercial-credit curriculum, used, by thousands of lenders worldwide. There were two key components to this curriculum: (1) Foundational Accounting for Lenders.

• Took an underperforming disengaged team that ranked worst in the North Phoenix Market out of 15 stores 2 years running into a highly engaged top performing branch, quarter after quarter.
• Nominated and won Circle of Stars on three separate occasions for two branches managed: Top Store Manager in the Region, for Q3, 2015; Q3, 2014; and Q1, 2015.