Roy Howe Email & Phone Number

Responsible for the credit quality of all new commercial loans submitted to the Credit Committee for approval when above my local authority. participated as a voting member of the Credit Committee, voting on the credit quality of commercial and real estate loans. Prepared the Virginia Commercial Group for portfolio reviews to the Chief Credit Officer, provided credit training and consultation to the calling teams; assisted on customer calls and with customer events and teamed with the area Director and commercial team leaders to ensure all commercial business goals were met in a risk mitigated manner.

Oversee portfolio of $160 million in commercial credit exposures in the State of Virginia, collaborating with relationship calling staff in the selection of new, risk mitigated commercial credit. Evaluate portfolio quality by providing discussion on and approval of the periodic reviews of existing credit exposures. Guarantee timely identification of distressed credit by assisting in the identification, remediation and as might be indicated, the effective disposal or recovery of adversely classified commercial loans. Initiate credit consultation and provide senior level credit authority to approve and book credit exposure above local geographic limits. Participate in special task forces designed to improve bank efficiency. Coach junior staff on credit issues and client interaction. •Serve as Credit Committee Member—assess and add endorsement to real estate and commercial loans in excess of $10,000,000, bank wide.•Contributing member of the Credit Policy Committee generating reviews and updates for the Credit Policy manual. Amended policy to increase credit authority that facilitated portfolio growth.

Senior credit administrator providing upper level credit approval to the middle market, small business, not-for-profit and community real estate business segments of the tri-state (New York, New Jersey and Connecticut). Coach new relationship management staff. Review, develop and monitor credit policy.

Global Trade Finance Division Credit Officer - e-Business Division Risk Management, Global Corporate & Investment BankSenior level identification and mitigation of critical customer and e-Business product risk. Provided key support to the global delivery of trade products. Assisted with maintenance of portfolio quality by conducting periodic portfolio reviews and portfolio stress testing.•Provided global credit policy support to include review of credit analyses, risk assessments and consultations with relationship management teams ensuring appropriate due diligence through review and approval of new customers, product implementation and periodic joint customer calls.•Examined adherence to and interpretation of existing credit policies making recommendations for enhancements to include annual review, update of global product programs and testing for operational risk.•Initiated centralized tracking, investigating and reporting of potential credit losses to senior management an unprecedented and successful global effort. •Assessed credit training needs and designed and delivered a targeted training program.

Community Bank Division

Served in a series of key positions to include:Team Leader - Credit Analyst Group, supporting the calling efforts of relationship management teams with credit analysis of new customers, annual credit reviews and credit authority as might be requested.Problem Loan Workout - award winning maintenance of and collection of problem loans in the auto dealer, community real estate and commercial loan portfolios.Team Leader Community Real Estate Unit - supervised a relationship management team initiating new real estate loans.Senior Adviser to the Not-for-Profit Group - participated in joint calls on grass roots not-for-profit agencies, advising on prospect selection, credit analysis, product placement, and technical assistance to these groups as periodically requested.

Starting as a senior clerical, successfully completed the Commercial Credit Training Program and promoted to the Official Staff as a relationship manager with the Urban Housing Group providing community based acquisition and renovation real estate loans - developed construction loan expertise.Cost Center Manager, Urban Services Group - supervised three teams of relationship managers offering SBA guaranteed loans, loans and technical assistance to not-for-profit groups and community real estate acquisition and renovation loans - Main Street Award winner for innovative use of public, private and government funding for a community development program. Metro Credit Services - review officer supporting line units with all formal commitments of the bank of $1 million and above, reviewed line analyses and approvals, reviewed and approved all documentation, negotiated and closed loans.Relationship Manager - Chemical New Jersey Corporation, a loan production office.Vice President and Program Manager - Chemical Bank Credit Training Program, platform instructor and program developer for the bank's entry level credit training program.

Pgd (Post Graduate Diploma), Real Estate Finance And Appraisal, 3.5 Gpa

Minor study in business law

Master Of Science (Ms), Business Administration, 3.5 Gpa

Bachelor'S Degree, Business Administration And Management, General

Banking And Financial Support Services