Robert M Email & Phone Number

South Pasadena, Ca, Us

• Provide advisory capacity to Relationship team by modifying credit structure or full management upon risk profile downgrade or Exit designation due to lack of liquidity, financial covenant violations and/or poor performance, and unacceptable management/ownership behavior.• Support credit supervision and Chief Credit Officer by reviewing credit requests for existing and new deals, Problem Loan Reports and attending problem loan meetings to support risk mitigation coupled with feedback on credit structure and compliance to credit and risk rating policies.• Tools included weekly cash flow forecasts, loan-to-collateral availability forecasts, letters to Account Debtors, appraisals, collateral audits, engagement of consultants/turnaround experts, and receivers.

Los Angeles Metropolitan Area

• Provide support to Loan Team Credit Manager by monitoring a portfolio of middle-market relationships through annual review and renewal credit risk analyses. • Prepare and present credit underwriting for modifications and amendments to credit structures. • Maintain appropriate risk ratings on clients through credit policy, compliance and risk management.

• Focus on managing and supporting a complex asset-based credit portfolio of middle-market and corporate account relationships, which included agencies; commitments of approximately $150MM and average outstanding balances of $100MM.• Negotiate, structure, close and monitor terms and collateral requirements of portfolio relationships for growth and relationship profitability, including interest rates and cross-sell opportunities. Accountable for renewals and annual reviews.• Negotiate and structure credit relationships with declining credit quality including Debtor in Possession/ABC agreements and managing clients through the bankruptcy process.• Provide financial advice for client merger and acquisition opportunities and acquisition financing.• Prepare monthly Problem Loan Reports of those relationships with warranted risk ratings. • Maintain appropriate risk ratings on all clients through credit policy, compliance, and risk management.

• Manage and support a middle-market and corporate asset-based (80%) and cash flow (20%) loan portfolio of 8-12 clients with revenues >$30MM, which included 80% agencies; commitments of approximately $250MM and average outstanding balances of $150MM. • Negotiate, structure and close re-structured credit agreements for clients with declining credit quality. • Negotiate, structure and close Debtor In Possession credit agreements and manage client through bankruptcy process. • Sustain profitiability measured by an average Return on Equity of 20-25% with clients. • Maintain capital structure of clients through relationships with equity and investor groups. • Negotiate and structure “staple-on” financing with financial buyers. • Provide financial advice for client merger and acquisition opportunities and acquisition financing. • Perform due diligence to prepare Risk/Credit analyses of clients for existing capital structure. • Exited selected credit relationships due to credit quality and profitability concerns.

· Managed design teams of 8 to 12 with budgets to $1MM to develop flight system concepts. · Prepared technical and cost reports of flight system concepts for presentation to senior management. · Conducted budget forecasting analyses; negotiated and monitored budget/workforce allocations. · Analyzed aerospace manufacturing technology trends to implement benchmarking and to streamline the design of spacecraft. Identified the reduction of development costs from $1B to $100MM.

Developed and managed parametric cost models for Space Station systems.

Master Of Business Administration - Mba

Bachelor Of Science, Chemical Engineering

Bachelor'S Degree, Chemical Engineering