Team Lead GCIB Wholesale Credit - Consumer & Retail Sector

• Senior credit risk officer and team lead for the Large Corporate Packaging, Building Products and Forest Products (~40 clients) maintaining all credit responsibilities described below• Management and leadership responsibilities expanded to include managerial responsibility for a team of 8 professionals (3 VPs, 2 AVPs and 3 analysts) and leadership / approval authority over an additional 50+ names across the GIG portfolio• Current joinder level grid approval authority up to $3.0Bn on an individual relationship basis• Originated and structured Bank of America’s inaugural commitment to a syndicated Timber Note Monetization Structured Loan Program• Participated in several large internal bank wide projects including developing a new Performance Plan Scorecard Framework and a CCAR modeling team tied to Bank of America’s 2016 Stress Test submission

• Senior credit risk officer and team lead for the Large Corporate Packaging, Building Products and Forest Products (~40 clients) maintaining all credit responsibilities described below• Sole grid approval authority up to $250MM on an individual name basis• Management responsibility for team of four junior associates (two Associates and two Analysts)• Bank wide Subject Matter Expert for Packaging, Building Products and Forest Products clients responsible for annual portfolio presentations to senior risk and corporate banking management• Secondary Industry Limit Owner for Paper & Forest Products Industry responsible for authoring and annually updating the internal document providing guidance to bank wide credit and client management teams on client selection, structuring guidelines based on credit profile, and risk appetite for individual names and portfolio as whole• Lead Instructor for the bank wide new analyst Corporate Credit Risk Training Program (70 new hires from across the globe attended) located in Charlotte during the month of July. My leadership responsibilities included six months of coordinating curriculum design, materials presentation and coordination of presentation responsibilities for a team of six presenters.

• Credit risk officer and team lead for the Large Corporate Paper & Forest Product portfolio (~40 clients) maintaining all day-to-day credit responsibilities described below• Portfolio included BofA acting as Administrative Agent or JLA-Right for ~70% of portfolio• Management responsibility included annual performance discussions, goal setting, progress reports and compensation discussions for team of four junior associates located in the SF office (two Associates and two Analysts)• Nominated Chicago Office Coordinator for Continuum Team (credit monitoring team based out of Mumbai, India) supporting all of the Chicago Large Corporate Clients• Nominated to the internal Scorecard QA Audit Team responsible for auditing internal risk rating scorecards completed across Bank of America’s Large Corporate Credit Teams globally• Team leader for recruiting at University of Illinois for undergraduate new hires

• Primary credit officer covering a portfolio of ~20 large corporate credits in the C&R, F&B and General Industrial (GIG) portfolios ranging from high investment grade unsecured names to mid-tier secured sub-investment credits • Originated, underwrote, structured and recommended approval for new client credit requests• Client first point of contact for all corporate credit needs (bilateral & syndicated revolvers & term loans, amendments, bridge underwritings supporting M&A, international credit facilities, and traditional corporate banking products including treasury management, trading, credit cards, letters of credit, bank guarantees and leasing)• Negotiated legal credit documents including term sheets, commitment & fee letters, credit agreements, security documents, letters of credit, ISDA & CSA trading documents, and all documents associated with standard corporate banking credit products• Mentored junior credit analysts and associates• Lead Instructor for the internal Risk Rating Scorecard tool for the Global Portfolio Management Summer Training Program• Recruiter and interviewer for undergraduate level new hires for both summer internship and permanent positions

• Supported five credit officers in new originations and/or refinancing of syndicated revolvers and term loans for large corporate Consumer & Retail (C&R) and Food & Beverage (F&B) portfolios (~25 names)• Primary author for internal Credit Underwriting Memos that included identification of Key Risks / Mitigants, Primary Source and Secondary Sources of Repayment, financial analysis including ratio analysis and regulatory debt repayment calculations, covenant assessment, industry and competitor analysis• Cash flow forecast modeling including Base and Stress Case forecasts and discussion of assumptions• Credit monitoring including financial analysis and covenant cushions• Risk rating scorecard modeling and recommendation• Pricing and profitability modeling and assessment