Mitchell Young Email & Phone Number

Tyler, Tx, Us

Texas, Us

Pine Bluff, Arkansas, Us

Tokyo, Jp

- Managed a $1.5B portfolio of 15+ primarily investment grade companies including new credit extensions, renewals, periodic reviews and M&A transactions. This included end to end management of assigned credits from origination to ongoing monitoring. - Responsible for the execution and closing of transactions from credit approval to signing and corresponding with the administrative agent and legal team.- Generated in depth modeling of 7-yr proformas for a highly scrutinized regulatory process undergoing dynamic changes to address Federal Reserve MRAs (matters requiring attention). - Responsible for the review and guidance of Junior Associate and Analyst work product in order to meet deadlines, at times this included training new team members and managing a small team in order to deploy resources effectively as needed by the Bank.

Omaha, Nebraska, Us

- Worked with a portfolio of ~$175MM in total exposure in Reserve Based Lines of Credit comprised primarily operators, but inclusive of non-operated interests as well. Responsibilities include the underwriting of new and existing credits, monitoring financial performance, continued lien perfection, and overall portfolio management reporting to upper management.- Analysis of reserve reports with 3rd party engineers to properly understand the risk related to the reserves securing the credits based upon: crude product mix and by-products produced at the wellhead, economics related to the geographical location, and risks related to concentrations and Capex plans presented by the Operator/Borrower.- Significant focus in the re-structuring of deals to form a more favorable and achievable repayment structure for both the Borrower and the Bank, resulting in the successful pay-down of ~$50MM in substandard outstanding debt over the course of ~ 2 years and a more stable portfolio.- Direct experience working with legal representation in structuring creative credit agreements tailored to complex repayment mechanisms. Continued monitoring of lien perfection on proved reserves with the legal team.- Monitoring and reporting of commodity prices and internal price deck to prepare and present update proposals to the Chief Credit Officer to follow fluctuations in the market price.- Work directly with the Director of Special Assets to create action plans for poorly performing credits on a regular basis.- Experience working with the acquisition and sale of credit exposure between banks.

Omaha, Nebraska, Us

- Responsible for the management of ~$125MM in senior secured credit exposure (both direct and large syndicated credits) in the Maritime industry specifically including new money opportunities, existing credits, monitoring financial covenant performance.- Responsible for the proper structuring transactions and differing methods of lien perfection of various asset including: preferred ship mortgages, waterway permits, and real property.- Maritime experience includes risk analysis of brown-water, coastal transportation, offshore supply, shipyard & dry dock operations.- Transactions structured primarily via cash flow analysis and a deep understanding of customer base with relation to secondary industry exposure. - Comprehensive analysis of contractual revenues related to the underlying assets, and backlog related to the construction of vessels.

Omaha, Nebraska, Us

- Worked primarily with the Houston Commercial, Industrial and Marine Lending groups.- Extensive underwriting of senior secured credits for holds of up to $35MM of exposure, and syndicated credits up to $350MM in global exposure.- Significant experience working with various collateral types such as Owner Occupied Real Estate, Industrial Equipment, Receivables and Inventory, Maritime Vessels, and other unique Fixed Assets to yield a properly secured and structured credit.- Deep credit risk analysis in contrast with industry trends, revenue sources, execution of business plans, payment vehicles in order to present a comprehensive package to internal credit officers.

Birmingham, Alabama, Us

• Analyzed business credit profile using key financial ratios and trend analysis – was relied upon to recommend comprehensive credit structure.• Trained to spread financials in a template built to mirror Moody’s Risk Analyst spreads – have brief experience working with the MRA platform.• Structure credit requests with Commercial Banking Officers that maximize client cash flow and facilitate reliable long term growth.• Identified and provided a solution for a financial covenant compliance issue that posed a large risk to the bank associated with a new credit in our portfolio that was missed by our credit servicing team in Birmingham.• Managed a portfolio of up to 150+ clients, with no clients going 30 days past due on any payments, covenant compliance, or maturities/renewals.• Lien perfection for real property, title liens, and business assets via UCC-1 filing.

Washington, Dc, Us

• Engineered complex Excel formulas to analyze charge-off loan losses for failed financial institutions resulting in improved data integrity by elimination of 150+ duplicate assets and a fully reconciled inventory• Tested asset history archive database of 50,000+ records to identify inconsistencies, delivered improved data integrity • Assisted Financial Institution Accountants and Resolution Receivership Specialists with loan and non-loan asset history to support accounting entries and asset sales to increase productivity in meetings• Reconciled monthly loan balancing reports for 5 months and prepared accounts payable remittance to accurately record revenue from assets held in receivership, relieving senior accountants of time-consuming responsibilities• Prepared failed institution Trustee for Owner (TFO) status report and summarized results for financial officers highlighting litigation and related history to support senior staff receivership meetings discussing problem TFO accounts• Participated on proforma support team on a financial institution closing in September 2013, verifying several balance sheet items to ensure fully reconciled assets being retained by FDIC as receiver or an assuming institution