Michael Ernst Email & Phone Number

Newport Beach, CA

Relationship Manager focused on servicing companies in the Middle Market and Mid-Corporate spaces across Orange County and Inland Empire.

Los Angeles, California, United States

• Independently managed a portfolio of corporate clients in the Consumer & Retail sectors working directly with CFOs and Treasurers to provide credit facilities and advise on other value-added corporate & investment.
• Actively prospected mid-corp and middle market companies with an emphasis on identifying tangible cross-sell opportunities while creating and presenting bespoke materials that… Show more
• Actively prospected mid-corp and middle market companies with an emphasis on identifying tangible cross-sell opportunities while creating and presenting bespoke materials that included market research and.
• Led teams through deal process from pitching to closing. Transactional experience in this capacity includes cash flow loans, ABL, supply chain finance, corporate recapitalizations, and M&A financings.
• Conducted in-depth financial analysis on clients and prospects, evaluate capital structures, and make financing recommendations based on market conditions, objectives, and risk profiles.
• Served as the team lead for junior bankers mentoring and advising them through the deal process. Show less

Los Angeles, CA

Los Angeles, CA

• Directly support the $7.7Bn General Industries West portfolio, focusing on corporate clients in the industry verticals of Aviation, Environmental Services, Engineering & Construction, Retail, and regional Los Angeles.
• Coordinate with strategic product partners to identify cross sell opportunities that best fit the client.
• Create pitchbooks with client targeted peer financial metrics, industry research, and capital structure analysis.
• Prepare internal returns models… Show more
• Prepare internal returns models, transaction memos, and yearly account planning process.
• Support the coverage team in the new client generation process, from due diligence throughclosing. Show less

Irvine, California

• Analyze and spreadsheet financial statements for Corporate, Middle Market, and Private Bank Portfolios
• Cooperate with Credit Executives and Relationship Managers to complete loan renewals and annual reviews
• Effectively manage and complete a large volume of financial reports for multiple executive recipients in a timely manner
• Chosen to train newly hired Credit Associates in the procedures and guidelines of financial spreading
• Support the Commercial Credit Center with tasks such… Show more
• Support the Commercial Credit Center with tasks such as, liquidity monitoring, projections, CDRFs, and CPA Confirmations Show less

San Diego

• Counsel students on Federal, State, and Institutional financial aid through individual training and group seminars.
• Meet with students receiving federal financial aid living in the residence halls individually at least once each semester.
• Facilitate communication between Student Financial Services, lenders, and guarantors
• Facilitate use of on-line financial aid resources and Help navigate PLNU Financial Aid website and other Financial Aid related databases.
• Maintain… Show more
• Maintain confidentiality of student financial records.

San Diego

• Selected to represent PLNU in the 2013 CFA Research Challenge.
• Prepared and presented an equity research report on a publicly traded company, ResMed Inc, to a panel of Chartered Financial Analysts.
• Gained valuable experience in equity analysis and business valuation using DCF and EPS valuation methods.
• Received mentoring from a CFA regarding the preparation and presentation of a research report.