Munawar Abbas Email & Phone Number

Miami, Fl/New York, Ny

FVP, Senior Credit Officer – CRE & C&I• Managing Portfolio Underwriting team with 9 direct reports. • Collaborated with the RMs in structuring loans to win requests while protecting the bank and remaining in compliance with the bank’s Risk Appetite Statement.• Responsible for CRE portfolio consisting of Senior Healthcare facilities, Retail, Multifamily, Hospitality, Strip Malls, Warehouses and construction loans across all states with concentrations in New York and Florida.• Lead project manager for BakerHill system implementation.· Adjudicated loans below the Loan Committee levels.· Mentored junior portfolio underwriters in identifying and mitigating risks associated with loan requests.· Monitored compliance with policy & procedures, past due loans, policy exceptions and other portfolio management responsibilities and proactively addressed any risk management issues with lending partners.

Orlando, Florida Area

• Managed a $800MM mixed healthcare and NFP portfolio. Portfolio consisted of 55 Relationships. • Supervised and trained junior portfolio managers and analysts, provided guidance and assistance with credit analysis, monitoring and career development. Promoted portfolio growth through the cross-sale of fee-based services.• Foster solid relationships with customers and develop a positive working rapport.• Responsibilities included structuring of new business and managing existing portfolio on day-to-day basis.• Primary contact for assigned book of healthcare and NFP customers, identified cross sell opportunities and addressed customer needs.• Interfaced with internal partners (i.e. syndications, sponsor finance, cash management) independently to address service matters and risk related issues.

VP Specialty Portfolio Manager / Credit Manager• Analyzed and structured loan proposals for the Bank’s most complex relationships; Portfolio consisted of 60 Relationships with commitments of $550MM. Portfolio consisted of troubled CRE, C&I and healthcare loans.• Direct report to CCO of the bank.• Responsible for managing and establishing the materials utilized in reporting and monitoring all credit related activities to the management committee.• Responsible for assisting the management of the Bank’s numerous credit functions and maintenance of a strong credit culture to ensure compliance with regulatory authority and sound best banking practices.• Maintained Bank’s Credit Risk Policy, including drafting and interpreting policy to ensure adherence to regulatory requirements.• Responsible for approval/concurrence of various credit requests, conferring with loan officers when appropriate.• Oversight of distressed asset restructuring / modifications, charge-off recommendations, liquidation and disposition of real estate collateral.• Transitioned clients from the “line” to CRM.• Identified the core problems related to the relationship and building a set of solutions.• Determined strategy for the relationship of either Return to Satisfactory or Exit.• Formulated action plan with milestones leading to completion of identified strategy.• Developed action plan and strategies to resolve the issues under CRM guidelines.• Negotiated with the customer to cover all the exposed risks and protected Bank’s interest.• Presented the relationship, issues identified, and recommended action plan to Senior CRM Management for feedback,• commentary and confirmation.• Legal document review and regular communication with the legal team and the consultant.• Worked with the cash management team and the customer to establish new accounts and lock boxes to secure funds for the Bank.• Managed and trained 4 analyst and 2 portfolio managers.

Greater Boston Area

• Senior Team Lead for Corporate, SNC, CRE (construction loans, investment RE and owner occupied RE), Hospitality, Asset Based Lending, Dealership and Middle Market business lines.• Managed 8 analysts. Developed and recommended training and instruction plans to increase departmental efficiency and effectiveness.• Managed a $950MM shared national credit exposure. Established effective portfolio risk management practices to ensure credit quality was maintained and supported balanced growth of the portfolio.• Well-developed negotiation and networking skills. Participated in sales calls with Relationship Manager(s) and identified cross-sell opportunities.• Identified and quantified subtle business risks and identified key risk drivers. Presented results of analysis to loan committees.• Conducted meetings with clients to discuss covenant compliance, restructure of facilities, and provide guidance to clients in workout situations.

Greater Detroit Area

• Underwrote residential mortgages, home equity products, personal loans, auto loans, and commercial loans.• Formulated lending recommendations for both new and existing client for C&I and CRE with over $700MM exposure.• Determined business needs, evaluated applications and approved loans to assigned authority.• Supervised the administrative aspects of the banking center, including completion of audits and monitoring of control accounts.• Engaged in prospecting and customer service inquiry reply calls as needed.• Maintained overall credit quality and compliance with credit policies