Michael Gabell Email & Phone Number

Philadelphia, Pa, Us

Boston, Massachusetts, United States

Working in a quasi-start-up environment after acquisition by LendingClub, a consumer oriented fintech bank who acquired a commercial bank in 2021. Was brought in by the Director of all Commercial Banking Operations to help the originations team which includes a Direct and Capital Markets originator by pre-screening and adjudicating transactions across all industries for deals principally between $3MM and $10MM, and presenting approval request to two levels of committees; one between $5MM and $10MM and one over $10MM. Currently no underwriter has individual authority while new the approval matrix is being developed. Additionally, was brought in to provide practical experience and education to the credit team in the commercial aspects of an equipment finance operation. Currently working with a project team to upgrade from an in-house PD/LGD analysis tool to Moody’s CreditLens by testing the risk software package to confirm the effectiveness of the PD and LGD analysis and making recommendations for changes to improve the models being utilized.

Horsham, Pa

Specifically working in PNC's Equipment Finance Group which was formerly known as ECN Capital Corporation (successor to Element Financial). Working with the Sales and NBD teams to support and underwrite 1) new business transactions from $500M to $25MM, 2) new Vendor programs, and 3) Inventory finance across a variety industries including franchise finance, transportation, construction, and office technology. Additionally, I work with and mentor other underwriters and inside sales team members within our business group.

Bala Cynwyd, Pa

Focusing principally on underwriting new business transactions from $250M to $5MM for both single and multi-unit real estate transactions. Transactions were for both single draw and multi draw, with multi draw schedules developed with customer and builder input to confirm maximum exposure levels and development requirements per draw.

Wayne, Pa

• Responsible for the adjudication of annual reviews (operational, financial, and documentation review) including presentation up to executive level members.• Maintained highest level of credit authority for my position with $1.25 million in single signature authority.• Spoke regularly with business owners or C level members to understand historic business information and discuss the unique business needs and requirements for the coming 12 months. • Portfolio consisted of approximately 125 Construction, Transportation, and Industrial dealers.• Individual dealer floor plan lines ranged from $250 thousand to $35 million and the managed portfolio was in excess of $150 million in outstanding and $250 million in exposure.• Reviewed and approved any requested changes in terms, and worked with Account Managers to resolve any delinquency issues.

• Accountable for managing the Small Business underwriting and adjudication process (new originations and appeals of declined new origination transactions), within my single signature authority of $1 million dollars.• Accomplished through implementing, enforcing, maintaining, and updating policies and procedures to support the Bank’s Small Business Lending efforts (under $1 million dollars in total Commercial Exposure). • Responsible for managing, mentoring, and training 30 credit officers and underwriters within the group in the proper adjudication of Small Business loan requests that originate in both the Branch channel and through the Relationship Manager channel within the Bank’s footprint. • Managed all personnel actions for my team of 8 credit officers and their underlying 8 underwriters including: staffing, performance, appraisals, promotions, salary recommendations, and disciplinary actions up to and including terminations. • Worked as part of a team to develop and implement a unique Bank wide front end fulfillment model and then manage this process within the Small Business Credit Center.

• Responsible to adjudicate Small Business Credit Applications up to $500 thousand (Maximum Small Business exposure) across all industry segments. • Worked with Bank sales force and Bank customer to facilitate the structuring of loans and leases to meet or exceed minimum customer requirements while maintaining strong credit quality in accordance with Bank Credit Policy and Underwriting Guidelines. • Developed and mentored both Junior Loan Officers and Credit Analysts in the preparation, structuring, and adjudication of credit requests. • Worked with internal department and external sources to develop and facilitate training for the staff as well as insure all staff understood and implemented all updated credit policies and procedures within the Small Business Center. • Hired to bring expertise to the upper tier of the small business segment based on my Sales, Program Management, and Risk background.

• Responsible for underwriting new middle market term loan and lease deals collateralized by fixed assets within the transportation, construction, and general industrial sectors. • Complete ownership of proposed transactions including financial statement spreading & analysis, deal structuring & modeling, legal documentation, customer & industry research, and written & verbal communication of risk opinion. • Presented transactions to the appropriate level of authority up to and including the Chief Risk Officer and President of the Division for all transactions larger than $4 million in investment exposure. • Possess single pen investment authority of $3.5 million and delegated authority of $4.0 million. • Work closely with GE sales team and C-level management of customers to create value-added deal structures while maintaining stringent due diligence practices. • Worked with collections management and staff to review all transactions requiring structural modifications. • Hired after GE’s acquisition of the portfolio to increase the experience base of the Branch office. • Exceeded goals by showing significant productivity improvement through a 75% increase in applications underwritten and a 37% increase in dollar volume year over year.• Provided experienced support as back up to (3) different positions within the business unit including the Risk Manager, the Documentation Specialist, and the Sales Manager.

• Responsible for soliciting new business from both the existing base as well as developing new customers within an assigned territory. • Worked closely with the C-level management of customers, as well as, other areas of the Bank to offer complete value added financial services structures while maintaining appropriate portfolio requirements.• In additional to team sales calls with the Branch personnel and individually developed personal cold calls, was also responsible review all financial information and make recommendations for approval to the appropriate credit officers. • Was also responsible to ensure all documentation and negotiations were complete and all documents correctly executed and sent to central processing for funding. • Brought in to further develop a book of business in an assigned territory through extensive internal networking and external self developed marketing campaign which included building a database of over 700 local companies to market to via in person, phone, and print.• Managed all aspects of a customer relationship, while adding nearly $1 million in new business and building a $12 million pipeline.

Wayne, Pa

• Brought in to manage a 5-person team, adding technical expertise and direction to the construction segment of the business unit.• Complete oversight of proposed transactions including underwriting, documentation, and delinquency review of the rapidly growing portfolio of floor plan and retail transactions, all of which exceeded $300 million in growth within 12 months. • Worked closely with both the sales team to create value-added deal structures and business development officers to create an appropriate framework to manage all aspects of the relationship with the manufacturer, which included credit structures, loss mitigation, residual setting, and loss pools. • Worked with collections management and staff to review all transactions requiring structural modifications.• Maintained consistent turnaround times and achieved consistent delinquency levels while application activity increased by 25%.• Developed and implemented various policies for construction business unit, including credit and audit policy for floor plan finance.• Member of the Senior Risk Committee responsible to review and vote on all senior level transactions across the entire company.• Responsible for reviewing and fine tuning of existing credit scoring model in conjunction with the Risk Analytics Group.

Greensboro/Winston-Salem, North Carolina Area

• Responsible to coordinate all interaction between the finance company and the manufacturer.• Tasked with ensuring growth of the program while meeting the risk requirements agreed upon via the negotiated inter-company operating agreement. • Develop and implementing new value added services to further the relationship between the finance company and the franchisee.• Grew the Volvo Rents franchise program from 5 franchisees and $5 million in outstanding to over 50 franchisees and over $50 million.• Developed a comprehensive financial and demographic process review to screen out financial unsound potential franchisees.

• Managed a 6-person group responsible for underwriting, approval, and annual reviews for all retail transactions over $250k for all of Volvo Commercial Finance, which required managing a $750 million portfolio. • Worked with portfolio review and collections team to implement collections strategies to keep delinquency levels at or below industry standards and help mitigate portfolio losses.

• Promoted to provide complete oversight of all retail and floor plan operations in newly created construction segment.• Hired, trained and developed a 9-member credit and documentation team.• Grew retail assets from $0K to $300 million over 3 years while keeping delinquency levels at or below industry standard levels, and maintained a 3 year average floor plan balance of $350 million with 50 dealers and over 200 locations.

• Responsible for underwriting new middle market term loan and lease transactions collateralized by fixed assets within the transportation sector.• Mentored and supervised a 4-person regional transaction team responsible to handle all Volvo Truck dealers within the region.• Developed, prepared, and implemented a 5-year, $350 million, start-up business plan to finance Volvo Construction Equipment.• Member of 4-person IT development team tasked to create multinational lease administration system from submission through disposition.

• Brought in to help start up a new branch office through the analysis of transactions ranging from $100K to $8MM across many different industries, • Responsible for all documentation review and funding requests for approved transactions within my authority.

• Successfully completed intensive 18-month credit training program.• Administrator of mainframe lease accounting software, including reporting, monitoring, and testing & implementation of upgrades.• Structured complex lease and loan transactions with the marketing officers to ensure all transaction were within policy guidelines.• Part of 3-person team to handle all customer service issues and provide accounting reports for a $300M portfolio.

Mba, Finance

B.S., Operations & Human Resource

High School Diploma, General Studies