Contract with KeyBank, Cleveland, Ohio. Assigned to the Enterprise Payment Processing Services Unit. Focusing on Exception Payment Processing of Bankruptcy, Collection Services and payment servicing with Chapter 13 Bankruptcy Trustee payment plans, delinquent commercial and consumer accounts, mortgage loans, home equity loans along with consumer partial charge-off accounts.

Contract with KeyBank, Cleveland, Ohio working on the post integration of the KeyBank – First Niagara Bank acquisition as a commercial loan documentation specialist consulting on loan file documentation, risk review and compliance of the integrated portfolio.

Funding for the SBA Community Advantage Loan Program was discontinued in July 2016. Responsibilities included the marketing, new business development and loan growth of the 501(c) (3) non-profit economic development organization. Developed new business lending clients via cold calling, networking, along with presenting at community workshops with commercial and corporate banking partners to promote entrepreneurial creditworthiness. Evaluated and recommended approval of commercial loans from start-ups to mature enterprises working closely with the underwriter and chief credit officer. Presented credit approval packages to management and the credit committee for review/approval based on SBA standard operating and approval procedures.

Independent consultant working in the banking and finance arena providing advisory and consulting services to a wide range of clients including: small to medium size businesses with manufacturing and industrial operations, family-owned businesses and the non-profit sector. Engagements include; work-out services, compliance reporting, bank/client negotiations, deal structuring, business plan preparation, financial forecasting, budgeting and cash flow analysis, collection procedures, account receivable management, developing account receivable and account payable policy and procedures along with problem credit management.

Commercial Lender in the Business Banking Group. Developed new business banking clients while managing a diverse loan portfolio of credits split between revenue size companies from start-ups to $40MM. Monitored loan covenants and loan performance of individual credits/clients. Promoted and sold new interest and fee income based business including, commercial loans, cash management, derivatives, and other fee and cross sale income opportunities for the bank.

Reviewer and Approved U.S. Small Business Administration 504 Loan Program applications along with State of Ohio 166 Loan Program applications submitted by local lending partner banks.

Commercial Loan Officer with Business Development and Portfolio Management responsibilities. Managed a $20MM loan portfolio. Monitored loan covenants and loan performance of individual clients. Promoted and sold new business including, commercial loans, cash management, derivatives, and other fee income opportunities for the bank.

(Sky Bank acquired Second National Bank during 2005. Goal was to maintain current relationships and keep clients with the new bank and introduce new product offerings. Huntington Bancshares acquired Sky Bank during 2007).Vice President Commercial Lending: Generated new commercial loan business and maintained commercial loan portfolio and monitor loan covenants/loan performance of individual clients within the portfolio. Defined and implemented development activities aimed at developing relationships for cross-selling a variety of products and service offerings.• Recognized by Growth Capital Corporation of the Greater Cleveland Growth Association as the recipient of the Emerging Bank of the Year in 2003 for U.S. Small Business Administration lending.• Subcommittee Chair (Small Business) of the Sky Serves Committee which evaluates all funding requests presented to the Great Cleveland Region for direct support from the local bank or the Sky Corporation and Sky Foundation. Member of the Client Satisfaction Core Team.

Investment Manager: Managed the marketing, new business development and loan growth of a $5.25 million mezzanine/sub-debt fund. Maintained credit quality through strict portfolio management.• Average loan investment yielded an internal rate of return of 22%.• Created the marketplace and the awareness of ShoreBridge as the source for high risk capital.• Presenter at the Chicago Debt and Quasi-Equity Workshop for International Loan Fund Managers.ShoreBank, Cleveland, OH 1998 to 2001Program Director, Business Manager A/R Management System-Private Business: Directed the Bank’s marketing, business development and loan growth for a newly introduced asset based lending facility.• Responsible for training ShoreBank commercial loan officers.Sales Manager: Conduct weekly sales meetings and actions and activities of the Bank’s loan officers as related to marketing, new business development and loan outstanding growth. Vice President Commercial Lending, Manager New Business Development:Responsibilities included the generation and maintenance of the commercial loan portfolio, monitoring of lending systems/loan performance and defining/implementing development activities for niche lines of business within ShoreBank’s commercial lending region.Chairman Year 2000 Management Information Services and Compliance Committee:Managed compliance with Federal Reserve mandates for Y2K certification. Directed functional department heads in the application of mandates to their departments.

Senior Business Banking Officer, AVP: Responsible for small business lending in Cuyahoga County and Lorain County. Twenty-two retail banking centers reported to me for commercial loan requests. Conducted credit and sales training for branch managers. Two time highest loan closer in the State of Ohio, Pinnacle award winner for highest lending volume in the Northeast Ohio market.

(Full service management information technology consulting firm, focused exclusively on the retail industry). Senior Consultant: Responsibilities included Business Planning and Strategy Services, Finance and Accounting Services, Information Systems Implementation and Inventory Management Services.• Identified as a troubleshooter capable of turning around problem accounts.

Branch Manager and Commercial Lending Officer: Oversaw all operational and sales functions of a commercial bank branch. Developed and implemented marketing strategy to increase business relationships with small to mid-size manufacturing and service firms within defined sales territory.