Nick Scimone Email & Phone Number

Santa Cruz, Ca, Us

Santa Cruz, California, Us

Responsible for the acquisition of new deposit and lending clients and the expansion/retention of existing relationships. Effectively structure, negotiate and manage complex credit relationships. Knowledgeable of financial needs of clients and the Bank’s products, including lending, deposit and treasury management solutions. Successfully collaborates with all client support and product teams as well as senior management.

Salinas, California, Us

Salinas, California, Us

• Review commercial loan applications and analyze credit information to make a general assessment of the applicant’s creditworthiness and a preliminary determination whether or not the proposed loan will conform to the bank’s lending policy.• Analyze financial statements and projections on spreadsheet software and produce independent, supported projections of customer performance.• Prepare a written summary of commercial loan terms/conditions and a written narrative explaining business background – outlining risk factors and justifying risk rating, ensuring conformity with Bank Loan Policy and procedures and with applicable banking regulations.• Analyze the quality of a business’s management team to determine the ability to achieve the company’s objectives and respond to external pressures appropriately.• Coordinate with RMs & CAs to provide appropriate loan structure, pricing, and underwriting to meet the needs of both the Bank and the customer.• Research and stay current with market trends and industry studies for inclusion in the narrative portion of credit authorization using various sources to assist with loan underwriting.• Review industry issues of risk in areas of loan portfolio concentrations.• Analyze property evaluations, appraisals, and collateral analysis to determine compliance with Bank policy.• Compare current financial exhibits to loan agreements for covenant compliance and report violations to RM and Credit Administrator(s).• Use tickler system to support credit compliance adherence.• Coordinate and collaborate with Relationship Managers in the preparation of Credit Authorizations and Administrative Actions for committee presentation, including review of financial statements, projections and site visits.• Other duties as assigned.

Santa Cruz, California, Us

Assist in calculating risk in and managing the Bank’s portfolio of commercial loans,employing a wide variety of financial analysis techniques, including ratio and trendanalysis as well as the creation of projections and a detailed analysis of cash flows.- Underwrite new and renewal commercial loan requests and render decisions inadherence with Bank lending policy. Includes performing cash flow andunderwriting analysis.- Prepare appropriate reports to assist in the loan decision-making process.- Spread, review and analyze updated financial statements and supportingdocumentation on existing commercial and new commercial loans.- Work closely with commercial lenders to ensure open communication regardingthe customer and to ensure accurate file documentation.- Discuss any perceived credit weaknesses or potential credit problems with theRelationship Manager, Credit Manager, and/or Chief Credit Officer.- Analyzes work to conform to regulatory guidelines and Bank policies. Ensurecompliance with applicable regulations.- Examination of collateral and other sources of repayment as well as credit historyand management ability.

Santa Cruz, California, Us

Daily ledger balance/reconciliation including: AR/AP, loan suspense, loan non-post, loan participations; daily reports including: loan related non-post items to be reapplied, HELOC advances to verify check signature; processing of all transfers and/or payments; processing all construction draws and updating spreadsheets daily; processing participation loan advances/payments; assist chief credit officer with quarterly board presentation reports / visualizations including: concentrations, allowance for loan and lease losses, calculation of key financial statistics and ratios, etc; daily tracking of insurance using QuieTrack website; processing of forced placed insurance when applicable; monitoring reports daily through QuieTrack; processing payments to and from QuieTrack when applicable; successful completion of all compliance and training courses assigned by the Bank.

Producing and assembling standard operating procedure manuals for multiple locations, expense tracking/logging, revenue tracking/logging, cash handling, tax preparation, basic cost/benefit analysis, use of basic financial formulas such as break even point/cost of goods sold/prime cost/gross profit etc, social media management/post design, memo drafting, correspondence drafting, errands, managed by executive/owner.

Intense work ethic, focus, and endurance is necessary to maintain morale and keep a positive mindset in order to have superior customer service in each of these jobs.

Check-in guest processing, reservation entry and management including processing reservation reports and troubleshooting, processing individual guest requests, incoming and outgoing phone calls, end of shift cash and occupancy reports, worked as part of a two to three-person team with two managers overseeing, furthered knowledge of the hospitality industry

Santa Cruz, California, Us

Managing product on floor and back stock, receiving, inputting, and restocking floor with new merchandise, selling high price tag items, face to face customer service averaging about 100 customers per day, opening and end of day procedures, cash handling, Shift Lead responsibilities

Master Of Business Administration - Mba, Business Administration And Management

Bachelor Of Arts - Ba, Political Science And Government

Associate Of Arts - Aa, Speech Communication And Rhetoric

Education record