Raphael Baker Email & Phone Number

Tampa, Fl, Us

Tampa, Florida, United States

•Formulate workout plans to establish compliance with regulatory, audit, Regulation X, ECOA, accrual status changes, and Trouble Debt Restructuring.•Proposes detailed restructure and liquidation strategies as part of the discussion with borrowers.•Communicates with internal and external legal counsel in regards to legal matters.•Executes workout plans to yield the maximal amount of recovery to the bank and to ensure the SBA and USDA honors their guaranty.•Provide financial analysis on designated Watch/Substandard SBA risk rated loans on a quarterly basis to determine if loans are properly risk rated.•Prepares and presents Criticized Asset Reports for quarterly meetings to executive credit committee on client relationships that are adversly risk rated.•Manages an Assigned Portfolio of Watch and Substandard SBA risk rated loans on a daily basis which includes follow up with client relationships that are past due on their payment, or undergoing other stress related issues that could pose a credit risk to the bank's possibility of repayment.•Prepares Servicing Memos on Watch and Substandard risk rated credits for review by SBA Chief Credit Officer and SBA Workout Manager.

Knoxville, Tennessee

• Complete Annual Financial Reviews on client relationships within the Small Business Finance Portfolio to recommend an assigned risk rating.• Provide financial analysis on designated Watch/Substandard loans within the Small Business Finance portfolio on a quarterly basis to determine if loans are properly risk rated.• Prepare credit memos recommending approval of service requests, temporary loan extensions, and renewal of conventional loans with adherence to bank policy and SBA SOP.• Engages in the development and training of service representatives in learning Bank Procedures/Systems, SBA SOP and USDA guidelines.

• Complete Annual Financial Reviews on client relationships within the Small Business Finance Portfolio to recommend an assigned risk rating.• Provide financial analysis on designated Watch/Substandard loans within the Small Business Finance portfolio on a quarterly basis to determine if loans are properly risk rated.• Prepare credit memos recommending approval of service requests, temporary loan extensions, and renewal of conventional loans with adherence to bank policy and SBA SOP.• Engages in the development and training of service representatives in learning Bank Procedures/Systems, SBA SOP and USDA guidelines.

Indianapolis

• Decision servicing requests on existing SBA loans within adherence to SBA SOP.• Provide consultative and credit resource support to Business Bankers and Branch Managers for all SBA Programs including SBA 7a, 504 and Express programs.• Work to manage risk in the SBA Portfolio by offering clients multiple options in payment relief that are within SBA and bank guidelines.• Evaluate credit worthiness and financial conditions of clients to determine if internal bank risk rating of client relationship needs to be downgraded and relationship transferred to credit workout department.

Indianapolis

• Examine loan applications against financial statements, credit reports, and other information provided in file to identify any discrepancies to our Compliance Department for possible fraud.• Decision loan requests with adherence to PNC Credit policy, which incorporates cash flow, collateral, and leverage guidelines.• Communicate decisions to loan officers in an effective manner that can also include coaching loan officers on PNC Credit policies and making them aware of any changes to them.• Working with Area Sales Managers and Market Executives to offer an alternative loan structure to the customer than what was applied for that minimizes the credit risk to PNC Bank.• Coordinating with the Loan Documentation and Real Estate Due Diligence Departments to ensure that approved loans have the necessary terms and conditions to protect PNC Bank from any collateral issues that could arise once the loan is booked.

Indianapolis

• Review applications after Bank 2 Business scoring to make sure collateral and cash flow guidelines are met as well as ensure that the request is within policy guidelines.• Decision applications based on Bank 2 Business score and the manual review of the Bank 2 Business application. • First National Bank & Trust, Indianapolis, IN Interact with commercial loan and branch officers throughout bank on loans being scored using Bank 2 Business software system.• Underwrite loans up to $250,000 on only Bank 2 Business scored credits.• Evaluate the Review dates, Maturity Dates and Past due list for each of the branch officers notifying them of any discrepancies or duties that they need to perform in relation to the customers found on these reports under their officer numbers or respective branches.

Kokomo

• Evaluating documentation of each loan request and its adherence to bank policy. • Ascertaining the Creditworthiness of each borrower by performing a thorough financial analysis.• Compiled exceptions into a report from reviews completed by by several loan review officers.• Sorted these exceptions by loan officer and time periods set by by the parameters of the review.• Assisted Loan Review Manager in creating a statiscal model to accentuate the results of this review.