Mike Poore Email & Phone Number

Victor, NY, US

• Assigned and responsible for the credit underwriting of a portfolio of government and municipal transportation clients with aggregate credit exposure in the 11-figure range.
• Work closely with Relationship Managers, Relationship Associates, and Credit Officers to ensure proper credit management of clients.

Rochester, New York Area

• Serve as the primary credit officer to the local government/school district and higher education sectors
• Individually underwrite requests, as well as, review, recommend, and approve new requests and routine credit reports written by credit staff (reports are in line with banking standards including attesting to risk.
• Responsible for training and direction to other credit and non-credit colleagues
• Work closely with sales team leaders to provide guidance and influence on the strategic direction of their teams

Rochester, New York

• Evaluate and determine the credit risks of healthcare and non-profit clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis, and the ability to pay annual.
• Underwrite new money requests including creating advanced financial models designed to sensitize various conditions impacting the proposed transaction and provide input in the structuring of loan requests, including.
• Present analysis and address questions during credit request discussions or committee presentations, as requested

Charlotte, NC

• Analyzed and evaluated the risk profile of a variety of types of customers including states, counties, cities, water/sewer authorities, school districts, non-profit entities, and transportation customers consisting of.
• Worked to improve efficiency and monitoring of portfolios through the creation of a variety of complex Excel spreadsheets including a state comparison matrix on a team with Loan Supervision oversight for the Government.
• Communicated with Relationship Managers and Relationship Associates to process updates and implement facilities to new and existing customers, aided in the preparation of term sheets, and worked with outside counsel to.

Charlotte, NC

• Manage a team of 10+ Credit Analysts that provide financial analysis through financial statement spreading (using Moody's Risk Analyst), as well as ratio analysis as it relates to compliance with a borrower's specific.
• Assists in the formulation of work procedures as well as aiding in special projects
• Responsible for the hiring, development and reviews of team members

Charlotte, NC

• Provide financial analysis on healthcare systems & obligated groups, universities, not for profits and municipal entities.
• Perform servicing tasks on borrowers including financial statement spreading (using Moody's Risk Analyst) and covenant agreement monitoring and testing.
• Key performance achievements include having exceeded production and accuracy goals in every monthly performance review as well as being the first winner of the department's "Quality Excellence Award".

Charlotte, North Carolina Area

• Significant use of Microsoft Excel (including VLookup and pivot tables) to provide a variety of reports and analysis
• Assisted in the restructuring of accounts for the implementation of new company-wide software
• Compiled and provided analysis on a variety of information to support internal and external auditors during year-end audit

• Assisted the General Manager of the Student Association in his daily duties
• Monitored physical asset inventory, posted allocation forms, deposits, etc. to appropriate ledgers
• Assisted with bank reconciliations and payroll duties

Served as a liaison between Becker and SUNY Fredonia

-Aided and clarified accounting concepts to other students