Underwriting new business and managing a ~$500MM portfolio of ~8-12 ABL borrowers

• Nominated and enrolled by executive management into the UMB Emerge Leadership program. Emerge is an internal 8 month, bank program identifying a small group (~30 UMB employees) as next generation leaders. • Recipient of the UMB One Award – highest award at the bank, which demonstrates unparallel service to UMB borrowers through leadership and collaboration across multiple bank sales channels. • Successfully managed credits with no loan losses through Chapter 11, Assignment for Benefit of Creditor, and Borrowers deemed “exit credits”.• Built and maintained positive borrower relationships that resulted in additional new business for new loans, extensions, treasury, and commercial card. • Prospect for new asset-based borrowers using sponsor groups, financial intermediaries, businesses, accountants, attorneys, and other community contacts.• Develop creative financing solutions to resolve complex and often unique issues for borrowers and identify bank products, which meet their needs today and in the future.• Monitor the credit-worthiness of borrowers, cross-sell bank products, ensure compliance with bank policies, negotiate, structure and close clients for the Capital Finance team.• Analyze financial statements, review and monitor collateral performance, and borrowing trends in order to protect the bank from credit losses and to properly identify risk in the Capital Finance portfolio.

• Recipient of the SFNet 40 under 40 Award as an ABL underwriter. • Manage the new business pipeline and underwriting throughout the entire new business process from proposal through credit approval, and assistance with closing.• Underwrite multiple small and middle market ABL customers including, factoring and lender finance products. • Developed creative financing solutions to resolve complex and often unique issues for borrowers and identify bank products, which meet their needs today and in the future.• Responsible for satisfying compliance requirements, due diligence, perfecting security interest, preparing and negotiating legal documentation, preparing credit approval memos and packages for review by senior management, managing multiple deals in various stages of closing in a high demand, fast-paced, deal oriented environment.• Incorporate analytical procedures, and proven methodologies for testing to substantiate the authenticity of the collateral supporting the existing or proposed asset based loan.• Evaluate the borrower's financial position, operational procedures, reporting requirements, accuracy of the collateral and compliance with loan agreements to ensure that the information being reported to the bank is properly stated.• Effectively communicating with senior management teams on deal issues to creatively find solutions in which to get the deal done in this hyper-competitive environment.• Prospect for new asset-based borrowers using sponsor groups, financial intermediaries, businesses, accountants, attorneys, and other community contacts.

• Monitored the credit-worthiness of borrowers, cross-sell bank products, ensure compliance with bank policies, negotiate, structure and close clients for the Business Credit team.• Analyzed financial statements, review and monitor collateral performance, and borrowing trends in order to protect the bank from credit losses and to properly identify risk in the Business Credit portfolio.• Developed creative financing solutions to resolve complex and often unique issues for borrowers and identify bank products, which meet their needs today and in the future.• Prospected for new asset-based borrowers using sponsor groups, financial intermediaries, businesses, accountants, attorneys, and other community contacts.

• Performed examinations of PNC’s existing customers through the reviewing and testing of the borrower’s books, financial statements, records, and management with emphasis placed on examining Accounts Receivable, Inventory, Equipment, Accounts Payable, and Cash. • Assisted in assessing the borrower's financial position, operational procedures, reporting requirements, accuracy of the collateral and compliance with loan agreements to ensure that the information being reported to the bank is properly stated• Responsible for making recommendations on prospective clients, outlining issues regarding collateral risk or exposure and submitting a concise audit report to distribution to loan offices, credit administration and management. • Incorporated analytical procedures, and proven methodologies for testing to substantiate the authenticity of the collateral supporting the existing or proposed asset based loan.

• Performed field exams for asset based, commercial, and channel finance lenders.• Accurately identified, analyzed, and quantified collateral values of accounts receivable and inventory.• Lead survey and recurring field exams for loans ranging from $250K – $550MM.• Proven ability to communicate in written form significant issues affecting the lender.• Participated in continuing education through online courses.

• Designed an Excel model that accurately calculated future cash flows on a daily basis.• Reconciled the firm’s plan to the operating statement to reflect the current forecast.• Maximized the firm’s efficiency with my ability to build and create accurate models. • Interpreted sensitivity analysis on individual store fees to estimate breakeven points.• Researched and evaluated profitability scenarios by state to maximize cash flows and profitability.

• Managed $1,000,000 Xavier Endowment Fund.• Implemented policies and strategies for the construction of the Xavier Student Investment Fund.• Developed quantitative and qualitative methodology identifying securities for investment decisions.• Presented analysis and allocation decisions to Xavier Student Fund Board of Directors. • Maintained a continuous program of communication to reflect the investment objective. • Maintained an in-depth daily knowledge of the securities markets and individual securities as well as portfolio management products, including the rationale for underlying holdings, sector and asset allocation decisions.

• Responsible for accurate allocation of assets into personal accounts based on shares and stock price.• Researched in-depth reports to create a comparison of Merrill’s investment vehicles versus competition.• Analyzed current client investments and automated data to increase production.• Automated files specific to each account executive maximizing the firm’s efficiency.

• Prepared reports associated with the adherence to SEC and NASD regulations • Created automated system to include up to date customer file information• Automated files specific to each account executive• Consolidated customer information and eliminated duplication and inaccuracies• Prepared quarterly client review performance reports• Assisted administrative staff in organizational tasks

• Managed order amounts by creating spreadsheet logs and price per batch• Handled customer relations and confirmed orders • Assisted in database logging of raw materials and inventory • Purchased raw materials • Created checks to accounts payable