Steven Vuolo Email & Phone Number

Boston, Massachusetts, United States

Southington, Ct

Responsible for the management of a Business Banking loan portfolio. Perform credit quality maintenance, risk grade management, covenant testing, and collateral tracking. Manage the renewal and modification process for loans and lines of credit by coordinating the underwriting and document preparation process. Identify and assist in the transfer of problem loans to the Restructure & Recovery Unit. Support Relationship Managers to bring consistent customer experiences throughout the Bank's footprint.

Cheshire, Ct

Responsible for the credit analysis and underwriting of new Business Banking loans. Prepared high quality, detailed credit approval documents that contain a thorough analysis and identification of credit issues and risks. • Prepared credit approval documents for C&I and ICRE customers with total loan exposure between $500M to $7.5MM. • Consulted with Underwriting Manager, Relationship Managers, and Portfolio Managers to recommend proper loan structuring that limits risk.• Recommend credit decision in accordance with the Bank’s loan policies and procedures.• Prepared commitment letters upon approval of loan request.• Assisted other departments in the closing of Business Banking loans.• Ordered and reviewed appraisals, environmental reports, and business / equipment valuations.

New Haven, Ct

Performed in-depth analysis and assessment of large, complex commercial business customers’ requests for loans to determine credit quality and appropriate loan structure. Recommended credit decisions and risk rating. Collaborated with Relationship Managers and Bank customers to determine loan structure and collect pertinent documents. • Prepared loan memorandums for C&I and CRE customers ranging in size from $250M to $15MM for use in the credit approval process.• Responsible for diverse and significant volume related to new loan originations plus loan renewals and reviews. • Conducted the underwriting and analysis of the larger and more complex business banking customers – with total loan exposure ranging from $5MM to $15MM. • Formulated Quarterly Classified Asset Reports to analyze distressed loans in the Business Banking portfolio. • Selected by management to be the departmental representative to test the roll-out of the new commercial banking software. • Designated by superiors to complete a professional course on UCA Cash Flow Fundamentals and present a summary of the coursework and the business implications/applications to colleagues.

Bridgeport, Ct

Evaluated the credit worthiness of businesses and determined their ability to repay loans and lines of credit. Concurrently, chosen to fill a four-month interim position as a Municipal Banking and Finance Analyst. • Prepared spreads on complex, unique business and personal financial statements and tax returns.• Analyzed quarterly financial conditions, debt service ability, and covenant compliance memorandums of Real Estate Investment Trusts.• Provided financial, non-financial, and peer group analyses of Correspondent Banks.• Monitored investment ratings of National Credits and Retail Tenants and oversaw the preparation of reports to department managers.• Participated in the interviewing and training processes of junior analysts.

Master Of Business Administration, Finance

Bachelor Of Science, Finance