Robert Broadway Email & Phone Number

Greensboro--Winston-Salem--High Point Area

United States

• Worked with Loan Officer and Government Programs Coordinator to recommend appropriate loan structures to help mitigate risks in relationships, as well as maintain compliance with both Bank and Government policies /.
• Provided detailed analysis of borrower historical and projected financials to understand repayment ability and probability of default.
• Conducted customer interviews which entailed working with borrower to understand all aspects of the business, project, and other key parties. Also ensured all outstanding credit questions were answered
• Prepared concise, well-reasoned credit memorandums for Bank and Government loan committee review of new loan transactions.
• In coordination with Government Programs Coordinator, was instrumental in building out the loan application and loan underwriting process, which included the creation of credit memorandum, financial analysis, and.

North Carolina, United States

• Managed leveraged transaction processes for new loan opportunities beginning from loan officer/director introduction to loan closing
• Due diligence – reviewed target company and sponsor provided materials including historical financials, management presentations, Confidential Information Memorandums, and Quality of Earnings Reports.
• Conducted customer interviews, which involved making assessments of creditworthiness and answering outstanding questions
• Completed credit memos and presented opportunities to credit officer/credit commitment to drive credit approval for new loan opportunities
• Developed an understanding of bank policies and procedures as well as SBA standards and Standard Operating Procedures, and reviewed loans for SBA eligibility.
• Instrumental and directly responsible for ~$97MM of new loan approvals since October 2021; ~$71MM through year-end 2022

• Co-owner of three unique districts accounting for annual volumes of over $260MM, requiring internal stewardship to manage complexities of transactional requirements
• Develop and steer commercialization of new financial programs and services, with a strong focus on market growth and portfolio health through lobby with OEM and advocacy on behalf of District Finance Manager (DFM)
• Primary authority for annual application of $4.2MM in OEM loan subsidy and $56MM in lease residual value setting support – accounting for an average territory penetration of approx. 58%
• Terex and Rokbak trucks finance ambassador responsible for development of new customer base, accounting for over $60MM in transactions over management period. Additional national territory management responsibilities.
• Dedicated inside partner to DFM responsible for Ascendum Machinery (North Carolina) and Scott Equipment (Tennessee and Louisiana), integral to management of territory necessitating credit review/appeals, deal.

• Developed skills as a negotiator and a trusted advisor for my customers
• Effectively identified key items of financial statements, Paynet Reports, and personal credit reports.
• Owned and drove the underwriting process. Involved all parties (dealer, customer, DFM, credit, and inside sales).
• Provided solutions to problems or issues on transactions, and delivered excellent customer service at every opportunity
• Dedicated Ascendum Machinery, Scott Equipment, and M&K Trucks credit officer. Ensured timely underwriting and credit approval, and effectively structured transactions to win business.

Greensboro/Winston-Salem, North Carolina Area

• Maintained and ensured integrity in the underwriting and loan closing process with responsive and mutually agreed upon turnaround times through partnering with the Relationship Manager, Sales and Support Officer, and.
• Enforced, developed and continually improved the credit standards and credit quality metrics of the Wilmington, NC Commercial Banking Portfolio through continuous risk management and oversight.

Winston-Salem, N.C.

• Dependable resource for the generation of CRE and C&I Risk Grades through the use of internal Risk Grading models and scorecards. Communicated Risk Grading results to Relationship Managers, Porfolio Managers, and.
• Provided guidance to Relationship Managers, Portfolio Managers, and Credit Officers regarding Risk Grading policies, procedures, and processes
• Completed financial spreads and projections within Moody’ Risk Analytics software platform
• Involved in the development of a case study based program that educated bank employees on the fundamentals of Probability of Default (PD) and Loss Given Default (LGD) risk grading

Winston-Salem, NC

• Attended and completed an extensive training program that focused on improving associate understanding in financial analysis, banking, and organizational leadership through classroom and on-the-job training
• Honed credit analysis, underwriting, and risk assessment skills through case study preparation
• Developed and improved interpersonal skills through active participation in group presentations and team building exercises

Winston-Salem, NC

- Assisting in the planning and execution of accounting and financial reporting audits.- Review of business process controls through independent risk-based auditing procedures- Responsible for ensuring all documentation of audit results are complete and accurate.

Winston-Salem, NC

• Reconciled company transactions and developed small business and corporate financial statements
• Prepared and processed business and individual tax return documents for clientele
• Managed weekly payroll accounts for several small business clients

Developed interpersonal skills by meeting with potential clientele and coordinating appointments with full-time financial representativesAssisted clientele in assessing their financial ambitions and responsibilities