Patrick Kelley Email & Phone Number

Danbury, Connecticut

Ct

Responsible for management of the commercial lending team and all commercial lending activities.Oversight of asset quality, pricing, and business development for commercial portfolio.

Coordination of regulatory matters requiring attention pertaining to lending functions.Directed all aspects of bulk NPA sale which dramatically improved asset quality.Focus directed at improving processes and policies to enhance asset quality.

Responsible for new business development for full relationship customers to the bank including commercial mortgages, lines of credit, term loans, construction financing, and SBA/USDA loans.Manage and retain existing portfolio with ongoing financial statement review and renewals.Perform credit analyst functions for new loans up to policy dollar limitations. Maintain a strong local referral network of accountants, attorneys, commercial realtors, and other local centers of influence.

Review all pertinent credit and financial information, including reporting services, credit bureaus, and internal bank files.Perform credit analyses of financial information for potential and existing commercial and industrial as well as commercial mortgage loans.Prepare a credit write-up, present facts and assign a loan risk rating reflecting the credit worthiness of a proposal.Analyze development projects including residential and industrial subdivisions, single-family homes, condominiums, as well as commercial buildings and plazas. Mentor/train other analysts in department.

New Haven, Ct

Assisted in the development of asset allocation models for investors based on risk tolerance, time horizon, and liquidity needs.Helped in the marketing and formation of bond ladders for investors. Created databases and lead opportunities for representatives.Learned operational procedures of investor center.Interacted with clients on a daily basis.

Morelia, Mexico

Compiled source documents from clients for tax preparation.Gained working knowledge of firm’s accounting system.Reconciled client accounts for preparation of tax statements.Gained working knowledge of general business and accounting practices in Mexico.All aspects of job required fluency in Spanish language.

Diploma With Honors, Banking

Bachelor Of Science (Bs), Finance And Spanish

Activities and Societies: Dual major in Finance and Spanish. Beta Gamma Sigma Business Honors Society. Bloomberg Professional Service.

Spanish

Activities and Societies: Canisius College summer program. Courses in Spanish language, Mexican culture/history.