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 banking solutions including capital markets issuance, hedging, and working capital solutions. • 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 • 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 banking solutions including capital markets issuance, hedging, and working capital solutions. • 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 company-specific information: capital structure, comparable company analysis, acquisition financing, and covenant analysis.• 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 clients.• 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 • 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 clients.• 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, 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 •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 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 • 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 confidentiality of student financial records.• Frequently covering front desk reception. Including directing calls and organizing appointments.• Creating and organizing financial aid outreach events to communicate important information and deadlines across campus. Show less

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.