Richard Daugherty Email & Phone Number

Western Pa

- Develops new and existing commercial loan business relationships by calling on potential and existing customers to cross-sell all banking products, including other banking services, and promote the bank’s image within limits of current budget and mix of products to develop new and expand existing commercial loan business and achieve profit and growth objectives - Administers a portfolio of commercial loans by preparing loans that meet credit quality, profitability, growth and service… Show more - Develops new and existing commercial loan business relationships by calling on potential and existing customers to cross-sell all banking products, including other banking services, and promote the bank’s image within limits of current budget and mix of products to develop new and expand existing commercial loan business and achieve profit and growth objectives - Administers a portfolio of commercial loans by preparing loans that meet credit quality, profitability, growth and service requirements as determined by portfolio yield, loss ratio, delinquency rate and other measures in order to achieve profit and growth models - Determines the credit worthiness of borrowers by making sound analysis of their financial condition, ability to repay the loan and the NRV of the collateral in accordance with established policy and procedure in order to ensure a portfolio of commercial loans that meet the Bank's standards - Monitors loan performance by maintaining contact with borrowers, monitoring the financial condition of borrowers and resolving problems, and also requesting or when appropriate waiving a request for financial statements according to established policies, procedures and regulations accurately and timely to reduce risk the Bank might incur from collateral deterioration or creditor's inability to pay - Prepares commercial loans for presentation by preparing loan documents that are in compliance with bank regulation, then presenting the loans that are above the incumbent's lending limit to the loan committee or officer with higher lending limits in a manner which facilitates complete understanding of all elements of the loan in order to ensure compliance with regulations.- Promotes the Bank’s image in the community by participating in community activities, coordinating community development efforts, promoting involvement and participation in community service organizations in order to assist in compliance with the Community Reinvestment Act. Show less

Greater Pittsburgh Area

Managed a team of corporate bankers with in the Pittsburgh Region