Michael Henry Email & Phone Number

Raleigh-Durham-Chapel Hill Area

-Ongoing credit risk management associated with a $1.3B assigned loan portfolio -Over $3B in new money requests underwritten over a multi-state coverage area-Primary responsibilities included financial and credit analysis, loan structuring, loan documentation, and overall portfolio risk management all in conjunction with new loan requests, renewals, and.

Raleigh-Durham-Chapel Hill Area

-Primary responsibilities of risk oversight and single signoff approval of commercial client exposures of up to $10MM with a coverage area of the North Carolina, South Carolina, and Virginia markets -Approval of new and renewal exposures in various banking sectors including the Commercial & Industrial, NFP, Commercial Real Estate, Municipal, Healthcare.

Raleigh-Durham-Chapel Hill Area

• Primary responsibilities of risk oversight and credit approval for client exposures across the bank footprint with a focus upon the Municipal and NFP specialties with single signoff authority of up to $10MM for new.
• Approval of new, renewal, and annual review credit exposures across a $5B portfolio
• Part of an overall team responsible for over $1B in loan closings during the year
• Assisted in the guidance of the line of business from a structuring, underwriting, and targetmarket perspective
• Integral involvement in the revamp of the overall Government / Municipality sector annualreview process and alignment
• Developed specific industry underwriting matrices for use in the airport and port authorityunderwriting sectors

• New money single signoff approval up to $2.5MM and annual review / renewal single signoff approval up to $10MM over a six state coverage area
• Former Manager of a six person portfolio management team with a last position of Senior Portfolio Manager with responsibility of ongoing risk management in the commercial loan portfolio with a coverage area of NC, SC.
• Primary responsibilities included financial and credit analysis, loan structuring, loandocumentation, and overall portfolio risk management all in conjunction with new commercialloan requests, renewals, and annual.
• Additional duties of overall portfolio and risk management including ongoing risk ratingassessment, covenant monitoring, and identification of potential problem credits
• Significant experience with a varied client base including commercial and industrial, not-for-profit, dealer, municipal, middle market, as well as commercial real estate and commercial realestate development segments.
• Experienced with various deal structures including new market tax credit financing, municipalstructures, private placement bond financing, VRDBs backed by letters of credits, ESOPs, portauthority financing, and.

-Review of commercial loan relationships over $2.5MM in exposure for credit quality and risk management-Financial and credit analysis of commercial entities with a revenue range up to $250MM-Oversaw a team of up to 4 analysts responsible for a commercial loan portfolio of $2B-Provided other team members with direction and focus in regards to bank and.

• Review of commercial loan relationships over $500M in exposure for credit quality and risk management
• Financial, credit, and trend analysis of commercial customers with a revenue range up to $150MM
• Assisted in the training of new analysts
• Coordinator and facilitator of structured training sessions in accounting and financial analysis for other analysts
• Spreading of historical financial statements as well as financial modeling for new and existing customers
• Monitoring and review of commercial loan reviews received from several Regions Bank affiliates