Norbert Schmidt Email & Phone Number

Atlanta, Georgia, United States

Greater Atlanta Area

• Develop staff through secured lending credit training and situational awareness through practical opportunities within the portfolio. Specific attention to aligning talent, personalities, and workflow to maximize organizational efficiencies.• Ensure alignment between the customer’s capital structure and their operational and strategic objectives. This includes an analysis of the working capital cycle to evaluate bottlenecks or opportunities to reduce the amount of capital employed.• Further developed underwriting analysis and presentation tools to saliently discuss objective data to support credit requests and achieving a high level of customer service.

Greater Atlanta Area

• Managed a team of underwriting professionals, responsible for moving the deal from “prospect” to “closed and funded”.• Developed staff to efficiently address key credit issues and provide structural modifications towards win-win solutions.• Created winning deal team presentations to customers by quickly understanding the prospective client’s business and credit needs while maintaining a strong, competitive and profitable product.

Greater Atlanta Area

• Utilizing a Team Approach: designed and implemented a de novo Commercial Finance platform focusing on strong customer support and innovative financial products.• Analyzed and managed existing customer relationships focusing on maintaining a strong value proposition.• Developed workout strategies and negotiated with defaulted borrowers to improve the loan structure and accelerate repayment in a stressed environment. • Prepared comprehensive regulatory reporting instruments to both internal and external constituants in a Loss Share environment.

Atlanta, Georgia, United States

Senior Underwriter/Lead Arranger• Managed all aspects of due diligence by engaging and directing auditors, financial consultants, appraisal firms, and legal counsel to evaluate a prospective customer’s risk profile.• Led relevant deal team meetings focused on building a comprehensive credit solution while proactively addressing key risk areas. This includes written and verbal follow-up with key decision makers to minimize bottlenecking.

Vice President - Senior Special Assets Officer (May 2009) • Key member of an executive team created in May of 2009 to manage high risk and/or materially defaulted loan facilities. • Developed workout strategies and negotiated with borrowers to improve the loan structure and accelerate repayment in a stressed environment. • Facilitated liquidations utilizing both internal and external professionals including turnaround professionals, liquidators, and legal counsel. • Exceeded management’s timeline by developing and implementing strategies to quickly exit these relationships while maintaining or improving the risk profile.

Senior Account Executive (2006 through May 2009) • Managed a portfolio of mid to high risk asset based accounts to ensure customer satisfaction while maintaining a sound credit structure. • Analyzed the ongoing operational performance of the portfolio to identify key credit risks and evaluate the strength of repayment sources.

Senior Underwriter (2003 through 2006) • Managed all aspects of due diligence by engaging and directing auditors, financial consultants, appraisal firms, and legal counsel to evaluate a prospective customer’s risk profile.