Patrick Gaughan Email & Phone Number

Middleborough, Ma, Us

Taunton, Ma, Us

Oversee a team of credit analysts and compliance personnel who support the commercial lending function through new loan underwriting and annual loan reviews. Prepare Board Reports that, among other things, focus on industry concentration and risk rating migration within the Commercial Loan Portfolio. Maintain the integrity of the Bank's credit policies & procedures.

Rockland, Massachusetts, Us

Commercial Loan Officer

Coached 5 League Champions. Coached7 teams to the Mass. Tournament of Champions over 8 years with 1 Final Four team and 1 Sportsmanship Award team.

Boston, Ma, Us

Establish, retain and grow business relationships with commercial businesses generating up to $20 million in revenues and $5 million in loan exposure.Cultivate new loans, deposits, and cross-sell fee-producing products to prospects while maintaining the Bank’s strict guidelines for credit quality and profitability.Manage one of the Bank’s largest loan and deposit portfolios, providing new loans, deposits, and products as warranted.Consistently recognized at sales events as a Top Performer for new loans, new and increased deposit balances, and new, fee-based product sales.

Us

Manage a loan portfolio totaling $25 Million consisting of commercial investment real estate loans securing assets throughout Eastern Massachusetts. Responsibilities included requesting and obtaining financial information for loan renewals, annual or semi-annual loan reviews, and the collection of delinquent loan payments.Underwrite new loans for both my own portfolio as well as construction loans for affiliated loan groups located in Eastern Massachusetts, including obtaining the necessary approvals for the proposal and monitoring the loan documentation process in order to ensure compliance with all applicable policies and approval conditions.Coordinate the inspection and documentary adequacy of all construction loans on the South Shore with face amounts ranging from $100,000 to $2 Million.While employed in this function, I participated in loan due diligence teams, reviewing portfolios of failed banks and banks we were preparing to acquire.

Manage a loan portfolio of $9 - 15 Million centered in the greater Brockton / Northern Plymouth County marketplaceUnderwrite new loans and prepare presentations for formal loan approvalAssist Credit Department Manager with the training of new staffCoordinate and prepare presentations for Senior Management

Ba, Economics

Education record

Education record