Nick Esquire Email & Phone Number

Wilmington, North Carolina, United States

- Cultivate and manage strategic relationships within the Healthcare sector, overseeing referrals and client relationships across the Northeast US and beyond.- Drive market evaluation and targeting strategy, conducting initial assessments for Start-up, Acquisition, and Expansion transactions to align with appropriate loan offerings.- Manage end-to-end deal cycles, from strategy formulation and prospecting to negotiation and execution, ensuring adherence to bank policies and supporting clients' financial objectives.- Assess financial status, creditworthiness, property evaluations, cash-flow analyses, and collateral structures to determine loan eligibility.- Undertake extensive travel across the Northeast US and various regions to establish and nurture critical business partnerships, actively participating in industry conferences, seminars, and networking events in major cities.- Strengthen partner relationships, achieving substantial portfolio growth milestones.

Wilmington, North Carolina, United States

Wilmington, North Carolina Area

- Led the Healthcare lending team as the primary credit underwriter, performing thorough due diligence on loan applications and rigorously assessing creditworthiness and repayment capabilities.- Prepared detailed and insightful credit memos, incorporating comprehensive financial analysis, risk assessment, and adherence to banking guidelines.- Collaborated closely with the credit department and credit officers to proactively identify, address, and resolve potential issues, ensuring compliance with regulatory standards.

Wilmington, North Carolina Area

- Oversaw a diverse portfolio of 100+ healthcare borrowers, focusing on risk identification, assessment, management, and reporting.- Conducted comprehensive financial reviews by analyzing statements and tax returns to evaluate business viability and debt coverage.- Facilitated over 90 on-site visits spanning 10 states, serving as the principal liaison for borrower inquiries.- Collaborated effectively with legal, insurance, operations, and deposits departments to address borrower needs promptly and efficiently.

Pittsburgh, Pennsylvania

- Evaluated and tracked investment portfolio performance for clients.- Conducted research on market trends and assessed potential investment managers.- Projected asset allocations to align with future pension liabilities.- Executed comprehensive analyses for plan-level restructuring and rebalancing.

Dayton, Ohio

- Completed rotations across five key areas in Mortgage Servicing: Customer Service, Mortgage Servicing Operations, Investor Operations, Loss Mitigation, and Default Support, developing a thorough understanding of the loan process.- Conducted detailed analyses of loan processes to identify discrepancies and proposed more efficient alternatives.