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Working under a contract with TD Bank in the Credit Risk Modeling Group, properly capturing historical financial information to create FRR reports associated with defaulted loans in the bank’s extensive North American portfolio. Researching existing defaulted loan FRR reports for accuracy, making changes or updates if necessary. Complete other projects for the department manager as assigned. (Original contract covered period from April to October 2016; subsequent contract covered August 2017 to April 2019).

Successful management and resolution of the commercial loan portfolio acquired from the FDIC purchase of First National Bank through the proper application of credit underwriting, negotiated settlements, loan rehabilitation, foreclosure and other legal proceedings including the management of bankruptcies. Portfolio includes many loans guaranteed by the Small Business Administration. Also manage a portfolio of rehabilitated performing loans. Thorough analysis included meeting with the bank clients to successfully gather and verify all financial data, the calculation of the cash flow for both the business and any underlying guarantors (globally), the analysis of the bank’s position regarding the collateral (paying special attention to any deficiencies that might preclude the bank from successfully foreclosing on the loan), the generation of necessary credit memos and recommending the proper credit decision for the bank. The analysis also included looking at the possibility of restructuring the loan and adding credit enhancements where possible

Managed a portfolio of problem loans within the bank and assisted with the establishment of the Special Assets Division. Identified problem loans, negotiated workouts and managed the legal process for a $700MM institution. Successfully managed and rehabilitated problem credits within the framework of a consent order with the OCC. Also managed and serviced a performing commercial loan portfolio including SBA guaranteed loans as Sr. Officers left the bank.

Oversaw the management and growth of a commercial loan portfolio. Underwrote all loan requests, developed new business, and successfully managed and grew the portfolio, including the workout of distressed loans.

Management and growth of a commercial loan portfolio including the underwriting of all loan requests. Led the workout and rehabilitation of the loan portfolio acquired in a merger with another institution. Also supervised the local loan operations staff of 5 employees.

Responsible for oversight and management of delinquent SBA Loan Portfolio. Duties included the collection and administration of delinquent accounts and bankruptcies, including financial analysis, negotiation, collateral liquidation and the preservation of the SBA guarantee.

Began job in 1986 as Branch Manager. Promoted to Special Assets Officer for Equipment Leasing Group in 1988. Responsible for oversight of $54MM leasing portfolio, with main focus on reducing losses and maximizing recovery of charged off accounts. Supervised all bankruptcies and legal work initiated within the division. Workouts included accounts in 9 states covering the Southeast and Atlantic Coast. Promoted to Special Assets Officer/Commercial Lender In 1993 when leasing portfolio was successfully wrapped up. Managed all delinquencies of commercial loan portfolio in Commercial Loan Division. Supervised all bankruptcies, legal work and SBA liquidations initiated within the division and coordinated the collection efforts of over 40 loan officers. Further losses were reduced or eliminated through intervention and negotiation on workouts. Also served as platform lender, developing new business and underwriting all loan requests.

Directed a team of 8 in all phases of branch operations, business development, and lending for Pinewood Branch in Spartanburg, SC. Began career with Bankers Trust as Management Associate, obtaining RMA training for Commercial Lending, Consumer Lending and Business Development.