Michael S. Email & Phone Number

Toledo, Ohio

Driven leadership of Internal Audit professionals in both international and domestic manufacturing facility engagements. Spearheaded innovative process improvements resulting in $1MM in annual cost savings. Implemented data analytics initiative to engagement scoping process to drive insightful and value add reporting to stakeholders while minimizing financial risk to the company

Toledo, Ohio

Toledo, Ohio

Dynamic leadership of credit risk team within Global Treasury function, responsible for $1B in credit exposure across diverse global customer portfolio. Driving business and customer insight through collaborative market intelligence data, including customer discovery and business analytics.

Toledo, Ohio

Toledo, Ohio Area

• Oversee the asset and credit management of a diversified commercial loan portfolio of criticized/non-performing assets valued at more than $300 million. • Effectively managed team and portfolio during the “Great Recession” beginning in 2009, resulting in annual reduction of NPLs (Non-performing loans) by $12MM annually.• Increased team performance to achieve stated performance goals:• 2012 o Collected 114% of stated Fee Income goal.o Reimbursed $1,222,176 in Expenses. • 2011o Collected 139% of stated Fee Income goal.o Reimbursed $1,471,421 in Expenses.• Implemented monthly credit and action plans with team to ensure monthly performance goals were on target. • Successfully reduced portfolio delinquency ratio, year over year, through ongoing monthly monitoring of criticized commercial accounts. • Represent the bank in legal proceedings including bankruptcy, settlement negotiations, legal hearings, depositions, and foreclosures. • Evaluate loan relationships to determine appropriate classification under Trouble Debt Restructure guidelines. • Prepare quarterly criticized asset reports and present action plans to update Senior Bank Management.

Toledo, Ohio Area

Manage a commercial/business banking portfolio of 70-80 accounts with aggregate exposure of $15-20 million. Account credit exposure range from $100,000 to $3,000,000.• Primary objective is to maximize recovery to the bank and to protect the bank from additional or contingent liabilities. • Coordinate payment and collateral deficiencies with borrowers, develop and negotiate restructure strategies. • Direct recovery of losses on bank secured assets. • Negotiate Forbearance agreements, settlements, and partial release agreements. • Obtain all documentation required to analyze extensions, renewals, restructures, or other extension of credit.

Toledo, Ohio Area

• Prepared commercial underwriting packages for Commercial Lenders for presentation to Regional Lending committee.• Risk analysis, credit risk management, and Moody’s financial analysis software used in preparation of commercial underwriting packages.

Sylvania, Ohio

• Preparation and analysis of financial statements for both private and public companies. • Experience in performing Government and Not for Profit Audits, including schools and religious organizations. • Preparation of Compilation, Review, and Audited financial statements.

Gainesville, Florida Area