Stephanie Deboer Email and Phone Number

Lead the Commercial Bank Risk organization responsible for leveraged finance transactions, middle market sponsor transactions and transition advisory strategies.Risk management responsibilities and oversight of a $8.6bln Corporate Finance portfolio and $4bln Regional Cash Flow portfolio.Develop and update the risk appetite and processes for a high growth and active middle market portfolio to successfully carry out strategic initiatives and maintain credit quality.… Show more Lead the Commercial Bank Risk organization responsible for leveraged finance transactions, middle market sponsor transactions and transition advisory strategies.Risk management responsibilities and oversight of a $8.6bln Corporate Finance portfolio and $4bln Regional Cash Flow portfolio.Develop and update the risk appetite and processes for a high growth and active middle market portfolio to successfully carry out strategic initiatives and maintain credit quality. Achieved a satisfactory credit risk management outcome after completion of a special review of the CCB Corporate Finance portfolio in 2023. Responsible for various internal projects such as providing guidance on leveraged risk rating models, working through various regulatory responses to improve documentation and analysis of leveraged clients, providing timely responses during regulatory reviews. Show less

Lead an organization of 20+ teammates in Capital Markets Risk, Wholesale Credit Policy team, Risk Rating group, Credit Communication and Training team and Wholesale Central Credit with credit approval authority up to $500mln.Voting member for allowance for credit losses committee; scenario working group; credit risk program committee; structured real estate commitments committee; risk taxonomy; incident leadership council and regulatory governance review working groups.Lead role… Show more Lead an organization of 20+ teammates in Capital Markets Risk, Wholesale Credit Policy team, Risk Rating group, Credit Communication and Training team and Wholesale Central Credit with credit approval authority up to $500mln.Voting member for allowance for credit losses committee; scenario working group; credit risk program committee; structured real estate commitments committee; risk taxonomy; incident leadership council and regulatory governance review working groups.Lead role in issues management, Federal Reserve Bank and FDIC exam process and regulatory discussions/responses. Successfully remediated various regulatory issues.Responsibilities include loss forecasting, merger related activities, risk appetite framework, approval of all Wholesale credit policies, Wholesale CCAR subject matter expert and presentation of various Wholesale topics to committees. Show less

Risk Manager for the $5.2bln Communications, Internet and Media Investment Banking Sector and oversee the Risk Management of the $4bln National Corporate Banking Division, $3bln Consumer/Retail Investment Banking sector, and the $2bln Film and Entertainment Investment Banking sectors. Maintain an individual approval authority level up to $175mln dependent on credit risk ratings.

Accountable for the corporate and investment banking credit decisions related to a $4.4bln consumer, retail, food and beverage portfolio. In October 2012, assumed additional Risk responsibilities overseeing the $8bln Regional Corporate Banking division. Previous responsibilities included $3.3bln consumer/food portfolio, a $1.7bln diversified portfolio, and a $1bln program lending portfolio.Maintain an individual approval authority level up to $125mln for non-criticized credits and… Show more Accountable for the corporate and investment banking credit decisions related to a $4.4bln consumer, retail, food and beverage portfolio. In October 2012, assumed additional Risk responsibilities overseeing the $8bln Regional Corporate Banking division. Previous responsibilities included $3.3bln consumer/food portfolio, a $1.7bln diversified portfolio, and a $1bln program lending portfolio.Maintain an individual approval authority level up to $125mln for non-criticized credits and $25mln for criticized credits. Responsible for the presentation of credits above individual authority level and problem loan reports to senior committee members. Participate in the presentation of syndication underwriting requests.Oversee various internal projects including sector reports on industries with significant loan concentrations, risk rating analysis and recommendations, single borrower exposure limits, credit quality projects, and overall portfolio risk analysis.Risk management responsibilities include preparing for and responding to inquiries during the Shared National Credit Exams and various external and internal audits. Show less

Manage and evaluate all potential credit transactions within the Atlanta loan portfolio and the Southeastern leverage finance portfolio.Hire, train and lead a team of five portfolio managers/underwriters, two compliance administrators and various interns and management trainees.Actively participate in the structuring, underwriting and negotiation of debt and investment banking products for clients in various food, agricultural, packaging, retail and healthcare… Show more Manage and evaluate all potential credit transactions within the Atlanta loan portfolio and the Southeastern leverage finance portfolio.Hire, train and lead a team of five portfolio managers/underwriters, two compliance administrators and various interns and management trainees.Actively participate in the structuring, underwriting and negotiation of debt and investment banking products for clients in various food, agricultural, packaging, retail and healthcare industries.Contributed to the success of the Atlanta office (highest earning US loan production office from 1996-2008) through loan growth, maintenance of credit quality, and efficient teamwork.Key contributor to development of an effective compliance, borrowing base, and portfolio management system that was modeled by other offices.Pivotal role in the establishment of the Basel II framework at Rabobank. Show less

Structure and underwrite loans and syndications related to acquisition finance, working capital needs, leverage buyout, management buyout, dividend payout. Conduct all aspects of due diligence including analysis of financial statements and projections, management, industry, competition, capital structure and collateral; construct financial models; synthesize analysis into recommendations based on identified credit risks and strengths. Negotiate and close loan agreements… Show more Structure and underwrite loans and syndications related to acquisition finance, working capital needs, leverage buyout, management buyout, dividend payout. Conduct all aspects of due diligence including analysis of financial statements and projections, management, industry, competition, capital structure and collateral; construct financial models; synthesize analysis into recommendations based on identified credit risks and strengths. Negotiate and close loan agreements. Provide support to Loan Syndications group during the syndication process.Perform regular industry/risk analysis on portfolio clients. Show less

Assistant Vice President, Portfolio Manager Monitored and serviced a portfolio of loans from the Commercial, Middle Market, Corporate and Nonprofit segments while identifying new business opportunities.Provided training to members of the Portfolio Management team and trainees.1993-1994 Credit Risk Review Officer Performed loan reviews to maintain credit quality and present any problematic issues to the loan committee.1991-1993 Credit Analyst/Loan Administration… Show more Assistant Vice President, Portfolio Manager Monitored and serviced a portfolio of loans from the Commercial, Middle Market, Corporate and Nonprofit segments while identifying new business opportunities.Provided training to members of the Portfolio Management team and trainees.1993-1994 Credit Risk Review Officer Performed loan reviews to maintain credit quality and present any problematic issues to the loan committee.1991-1993 Credit Analyst/Loan Administration Officer for Special Assets McLean, VACompleted formal credit training program. Analyzed the financial condition of clients and performed a variety of tasks on workout loans required to document a loan portfolio and monitor restructures. Show less