Michael Baranowski Email & Phone Number

Redondo Beach, Ca, Us

Santa Ana, California, United States

Santa Ana, California, United States

Redondo Beach, California, United States

Current assignment is in Credit Review Commercial for a National Financial Services Firm. Credit Risk and Regulatory review of Middle Market Commercial Loans.

New York, New York, United States

Expert Advisor for BCG Platinion North America (a company of The Boston Consulting Group). Proven track record in Credit Risk Review, Special Assets, Bankruptcies, Portfolio Management and C&I Lending.

Los Angeles, Ca

RISK MANAGEMENT: POST APPROVAL CREDIT REVIEWERMUFG Union Bank, N.A., Los Angeles, CA• This Second Line of Defense position in the Credit Management Support Group has the same scope as a Credit Risk Review Examiner and is designed to review a sample of 10% of the monthly approvals by the Credit Administrators. Primary job duties include post-approval review of commercial and corporate loans throughout North and South America (Western Hemisphere).• I average 365 post-approval loan reviews per year comprised of all lending product lines to include middle market, real estate, C&I and private banking along with corporate banking and specialty groups such as entertainment finance.• Considered a subject matter expert in PD and LGD scorecards, HRA Reviews (FDIC) and Regulatory Leverage Lending. Part of a team (20%) that conducted a special HRA review of the portfolio that convinced the FDIC to reduce its insurance assessment by $17 million.• Selected to perform post-approval reviews for MUFG’s New York, Canadian and Latin America Branches. Worked with MUFG Branch members and Japanese parent company representatives. Position included implementation of new Americas Policies and Procedures and PD, LGD and U.S. policies as needed.• Recommended changes in Policies and Procedures as deficiencies were noted.• Performed other portfolio credit, compliance and regulatory reviews and projects such as testing the new automated Underwriting Compliance checklist tracking module.• I provide a cost-effective solution to challenge requirements of Advanced Approaches, Sarbanes Oxley (PD/Post Approval Review/Wholesale Banking Governance), HRA/Leveraged Lending, and the Volker Rule. As part of Basel II, I provide comprehensive, enterprise-wide assessment of the PD (Probability of Default) and LGD (Loss Given Default) Scorecard Tools used to establish loan loss reserves on a nationwide portfolio.

Santa Monica, Ca

LOAN PORTFOLIO MANAGERWells Fargo Capital Finance, Santa Monica, CA• Managed a Syndicated ABL Loan portfolio of up to 80 loans with aggregate commitments up to $500 million and a staff of up to 10 people. Loans were participations in large middle market ABL loans throughout the United States. Transactions included bankruptcies, recapitalizations, turnarounds and restructurings.• Participated in numerous DIP financings for Bankruptcies and Exit financings.• I was the first hire in the group and helped to develop and write the lending policies and procedures.• Promoted to Portfolio Manager and held this managerial position for eight years.• Portfolio was very profitable with minimal loan losses.• First four years at Wells Fargo were in the position of Relationship Manager which included sourcing, underwriting and closing one ABL loan per quarter.

Newport Beach, Ca

VICE PRESIDENTHSBC Business Loans, Newport Beach, CA• Asset Based Lender in Chicago and Newport Beach, California for Middle Market companies.• Chicago experience included leading a National Underwriting team and then assigned to the Special Assets Department during the 1990-1991 Recession.• Newport Beach experience included 3 years of business development, underwriting and Relationship Management.

Master Of Business Administration - Mba, Finance

Bachelor Of Arts - Ba, Economics

Education record