Robert Giovinazzi Email & Phone Number

South Jersey

South Jersey

• Provide Risk Management services on a contract basis for clients that are contracted by outsourcing companies for Community, Regional and National Banks requiring Commercial Loan Review analysis for compliance for management and regulators. • Analysis of repayment for selected borrowers and assessing the accuracy of loan officers’ assignment of risk ratings and adherence to policy, procedures and underwriting standards. • Recommends risk ratings to management after providing a complete credit analysis, underwriting of cash flow, collateral valuation and industry analysis with conclusions and recommendations of the portfolio to management.

Vineland

Performed daily loan portfolio reviews based on risk and/or size of all commercial loans, including CRE, C & I, LOC’s and equipment loans between $500K and $25M with almost $300M over the year. Provided Risk Rating using methodology pursuant to bank policy.Evaluated asset quality, ensuring creditworthiness of the portfolio. Documented and ensured that loans conformed to established bank lending policies and procedures.Monitored portfolio diversification in accordance with policy guidance and strategic plan.Verified quality, completeness and accuracy of supporting loan documentation and analysis.Performed back-end review of financials and related analysis (financial statements, tax returns, rent rolls, personal financial statements, and cash flow statements).

South Jersey

Established a regional presence by strategically locating primary territory for business development in Southern New Jersey.Supported business enterprise with active client, prospect, and network calling and relationship management programs, which facilitated expansion and retention of existing client relationships.

South Jersey

Collaborated with start-up and existing business owners to provide commercial loans, technical assistance, industry analysis and guidance. Originated commercial loans by partnering with local banks as an intermediate lender for Micro and SBA Loan programs.

Salem/Cumberland/Gloucester Counties

Developed and managed commercial relationships; generated new business while managing a $33M commercial loan portfolio of 300+ relationships, primarily supporting the Southern New Jersey market. Underwrote and presented new business requests and renewals, monitored loans, collected delinquencies, and restructured loans for work-out. Developed strong relationships with New Jersey Economic Development Authority, (NJEDA), Small Business Authority, (SBA), Cooperative Business Assistance Corporation (CBAC), United States Department of Agricultural (USDA) and South Jersey Economic Development District (SJEDD).

Cumberland/Gloucester Counties

Cumberland County

Gloucester/Camden County

Associate'S Degree, Marketing And Management

Education record