Dean Roberts Email & Phone Number

Montgomery, Ny 12549

• Analyze loan data on new, renewal and existing loans, including data provided by credit bureaus and other financial institutions to determine risk.• Prepare spreadsheets, reports, summaries and recommendations for Bank lenders on new, renewal and existing loans.• Assist in the administration of the Bank’s commercial loan portfolio as to credit risk management to maintain quality control and minimize losses.• Coordinates the development / revision of policies and procedures to ensure compliance with regulatory process and laws while ensuring deviations from policy are properly reported.• Consult with service lending department on complex and/or unusual loan relationships.• Preparation of credit risk material for Credit Review Committee, senior staff and Board of Directors.• Assist with the allowance for loan and lease loss analysis and make recommendations regarding provisions and reserves. • Work with existing and potential customers and lenders to verify financial/credit information.

Poughkeepsie, Ny, United States

Montgomery, Ny

Walden, Ny

Responsible for the management of the day to day functioning of the commercial lending administration department, loan review and the credit analysis of new commercial loan requests.

Montebello, Ny

To develop, maintain, and ensure the retention and deepening of existing relationships along with the growth of new relationships. Responsible for production of underwriting documents, reviews, periodic reports, and file entries while maintaining high quality loans. Ensure compliance with regulatory requirements with the Bank’s policies and procedures. • Prepare commercial offer memorandums for new business and renewals in excess of $20MM for approval.• Maintain on-going financial tracking and loan covenant requirements for existing portfolio and new relationships.• Work closely with regulators and auditors during reviews.• Monitor, research, and remedy team's daily overdraft.• Work with relationship managers in determining structure of potential and existing facilities.• Receive and commence origination and renewal due diligence.

Fishkill, New York

To develop and maintain relationships that advance the Bank’s objective towards stability and growth through the identification of potential loan markets for the development of Bank customers. • Manage and seek to grow existing organizational relationships with the aim of growing both customer and organization.• Develop and compile loan package and facilitate negotiations of loan structure with applicant, including fees, loan repayment options, and other credit terms.• Analyze applicant financial status, credit, and property evaluation to determine feasibility of granting loan and submits application to credit department for verification and recommendation.• Present the Bank’s commercial lending products and positions to the public, regulators, and associations to maintain and expand business relationships.• Assure timely loan closings and funding activities, monitoring repayment activities and take necessary actions to collect and or schedule delinquent payment.

Poughkeepsie, New York

Assist commercial lenders in establishing and maintaining relationships through research, data collection, and presentation of loan packages. Prepare legal closing documents through proprietary software. Issue portfolio reports for the development and maintenance of relationships. Monitor loan and relationship classifications on bank core system.

Poughkeepsie, New York

Calculate and present the risks and mitigating factors associated with granting businesses loans and extending lines of credit for equipment and other goods.

Armonk, New York

Structured Finance​​​​Assist analysts with the review, interpretation, and implementation of on-going surveillance of corporate structured finance funding that encompassed diverse industries. • Regularly evaluate and recommend surveillance action on structured finance transactions.• Monthly risk analysis of $1.1 billion Money Market portfolio (i.e. American Century, Oppenheimer, State Street and T. Rowe Price mutual fund organizations)• Evaluate and monitor covenants, events of default and financial triggers on assigned portfolio.

Masters In Business Administration, Business / Finance

Bachelors, Business / Finance