Patrick Wahl Email & Phone Number

Miami, Florida, Us

Responsible for the overall management of the Credit Administration process as it pertains to loan portfolio management. Partner with Servicing and Asset Management teams to support the ongoing portfolio management of existing relationships. Responsible for conducting due diligence on watch credits, financial analysis of borrowers and guarantors, preparations of credit memos, presentation of underwriting diligence and portfolio management results to senior management and credit related committees. Maintain accuracy of risk ratings and overall credit quality of loan portfolio in the support of overall bank goals.

Wilmington, Nc, Us

Wilmington, Nc, Us

Analyze the financial status of customers. Interact with assigned customers with the goal of minimizing risk of loss to the Bank. Service and liquidate when necessary, credits in a manner consistent with SBA regulations to avoid any reduction of the 7a guarantee. Develop strategies to minimize loss to the Bank and SBA. Work closely with the senior members of the Special Assets team to detail an understanding of a customer's financial position, and brings in resources, (attorneys, CPA's, workout consultants) where appropriate.

Buffalo, New York, Us

Responsible for managing portfolio of defaulted Commercial relationships and implementing timely resolutions that may require repossession or legal action to secure the bank’s collateral and reduce risk of loss, up to $10MM.Primary responsibilities include:Collect, prepare and analyze business and financial statements to administer the turnaround or exit of complex credit relationships, which includes the decision to provide additional financing or liquidate collateral to offset losses. Assess credit quality of relationship to determine overall performance and risk. Assess repayment ability under restructure / forbearance situations. Negotiate repayment with borrowers involved in complex loan relationships. Initiate direct contact at business location to inspect & evaluate collateral condition, discuss workout, obtain signatures, etc. Collaborate with the Legal Department to validate legal actions utilizing most cost effective strategy. Keep abreast of business and market trends that may affect portfolio performance. Perform equity analysis evaluation - evaluate equity position and collaborate with remarketing/REO on best method for disposition of collateral. Identify and investigate high risk/high exposure situations and escalate when appropriate. Participate in site visits to businesses, assessing collateral value and condition of property, and overall status of relationship. Work with other departments to achieve overall company objectives. Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite. Identify risk-related issues needing escalation to management. Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. Promote an environment that supports diversity and reflects the M&T Bank brand. Understanding of Bankruptcy laws and Uniform Commercial Code.

Reston, Virginia, Us

Develop policy and procedures for the collection program. Monitor collection efforts for the entire business portfolio. Design and implement best practices to limit loss and increase recovery. Report results to top level management on a regular basis. Work directly with 3rd party vendors and attorneys when assistance is necessary.

Charlotte, North Carolina, Us

Analyze credit data and financial statements to determine the potential risk involved in extending credit or lending money. Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity. Complete loan applications, including credit analyses and summaries of loan requests, and submit for approval. Generate financial ratios, using computer programs, to evaluate customers' financial status. Collect and workout payment arrangements for delinquent accounts at the Northeast branch of Commercial Credit Group IncCommercial Credit Group Inc (CCG) - an independent, national commercial equipment finance and leasing company focused on purchase money and refinance transactions in the construction, fleet transportation and waste industries. We source our transactions through end-users, equipment vendors and manufacturers. Our typical transaction size ranges from $100,000 to $2,500,000.

Buffalo, Ny, Us

Managed loans in New York and Pennsylvania that were rated as a potential risk to the bank. My portfolio consisted of CRE, C & I, middle market credits, multi-family and business banking relationships. Negotiated terms of restructures to limit loss to the bank. Strategies used to resolve non performing credits include modifications to current terms, short sales, note sales and upgrades of risk ratings and loan relationships.

Buffalo, Ny, Us

Supervised a group of 5-6 collectors to ensure productivity and appropriate procedures were in place to maintain the highest level of customer service while keeping delinquency on small business and lease portfolios below industry standard of 1.5%. Approved and recommended collection strategies for staff. “Last line” of communication with customer before further action was taken. Spoke with customers in a calm and rational manner when unfavorable action is imminent. Negotiated with customers on modifications and settlements. Worked directly with attorneys in commencing legal action, recommending the bank’s course of action when the situation dictates legal action or repossession to minimize bank loss. Worked directly with customers whose account matured and needed to term out the remaining balance. Reviewed credit reports, personal financial statements, and tax returns to find the best arrangements to meet the needs of the customer and the bank.

B.S., Interpersonal & Business Communication

Regents Diploma, General Studies