Ronald Keane Email & Phone Number

Brockton, Ma

Lead initiative to re-engineer Business Banking's and Commercial Banking's credit origination and portfolio management processes to increase capacity and speed to market, while maintaining excellent credit quality.

Boston, Ma

Business lead of major technology project to implement a new state-of-the art credit origination and portfolio monitoring system for all Business Banking credit customers and prospects. Major system components include: 20+ system integrations, developing an online credit application, employing multiple scoring models (credit origination, risk rating, and behavior scores), policy exception identification, automated compliance tracking, electronic credit and legal file capability, etc. Oversaw the development and implementation of a quality control program to continuously review credit actions to ensure sound and consistent underwriting and compliance with policies and procedures Directed development of comprehensive reporting package to manage all aspects of Business Banking’s credit operations

Boston, Ma

Responsible for the strategy, profitability, and growth of the Small Business (revenues up to $3MM), Business Banking (revenues up to $25MM), and SBA credit portfolios. Developed business plans, production goals, budgets, risk tolerance, service level agreements, and managed partnerships with Sales, Marketing, Risk, Operations, Compliance, Legal, etc. Implemented risk-based pricing strategy to balance growth/pull-through rates with credit costs to maximize profitability.• Developed new Streamlined Underwriting process to leverage Small Business underwriting tools (standardized products, credit scoring, abbreviated underwriting, robust credit standards, etc.) for credit exposures up to $1.5MM, significantly reducing end to end cycle time • Partnered with Credit Risk to develop Business Banking specific credit policy standardsCreated and continuously improved comprehensive cross-functional processes, work flows, and credit procedures covering the end-to-end credit processes

Boston, Ma

Inaugural underwriting and portfolio management director of the newly formed Business Banking segment ($3MM - $25MM sales size).Established the credit management strategy, organizational structure, and processes to develop a strong credit culture, while reducing underwriting costs 25%Enhanced policies, controls, and pricing discipline in response to adverse economic conditions

Client Manager leading a team of financial specialists to deliver world class financial services and advice to business clients.

Managed sites responsible for credit monitoring and administration of a $5 billion business credit portfolio. Cut expenses by more than 25% while reducing stale financial statements by 46% and expired facilities by 32% year-over-year. Led various projects and initiatives that increased efficiency and/or enhanced portfolio monitoring capabilities nationally (Six Sigma Green Belt Trained)

Managed team of credit professionals accountable for underwriting commercial credit requests for companies with revenues up to $25 million.Increased team productivity 49% to 136% of goal while maintaining portfolio integrity.Assigned to transition management team which successfully wound down an acquired bank’s business credit underwriting site, while maintaining productivity and effectiveness