Stuart Adair Email & Phone Number

Irvine, California, United States

Responsible for an existing $2.1 billion loan portfolio which consists of C&I, CRE, and highly structured Specialty Loan products. Directly manage 4 teams consisting of 28 Credit Analysts to Sr. Portfolio Managers while overseeing all aspects of underwriting and closing for existing and new client loan requests.- Teams consist of C&I, CRE, and Specialty segments. Specialty includes loans in the Corporate Finance, Municipal, ESOP, and Entertainment industries- Prescreen all C&I opportunities for clients located in the Orange County market and Specialty clients nationally. Analyze merits of specific loan requests and recommend tailored structures suitable for client’s while meeting policy and compliance requirements of the bank - Thorough understanding of Corporate Finance lending structures for balance sheet and syndicated credit facilities for rated and non-rated clients- Review and recommend all loan requests for new money, portfolio actions, and risk rating changes to Line 2 Credit Administration for final approval- Hire and manage Credit Analyst/Officers to support the maintenance of existing portfolio and new loan underwriting- Familiar with SBA504 and State of CA Small Business Loan Program - Manage and oversee all aspects of underwriting and portfolio management activity, including loan structuring, financial modeling and analysis, risk ratings, collateral valuation, appraisal, and environmental review reports, loan documentation and negotiation, closing and loan monitoring

Greater Los Angeles Area

Led a co-located underwriting and portfolio management team underwriting restaurant franchisee loans throughout the U.S. Underwriting targeted clients with sales to $250 million with debt facilities to up to $50 million. The portfolio consisted of 190 clients with commitments of $2.4 billion in primarily leveraged loans including balance sheet, club, and SNC type loans to owner-operators, family offices, sponsors.- Utilized individual credit authority of $15 million- Reviewed and approved all requests submitted to Line 2 approvers- Reorganized team into dedicated portfolio management and underwriting teams to better manage workload and improve the timeliness of decisions - Revised cash flow model to incorporate more thorough underwriting analysis and improve decisions and more closely align to strike zone and risk appetite- Oversaw creation of portfolio management system to track loan attributes on a quarterly basis to better identify the early warning of issues - Revised quarterly and annual review forms to proactively identify portfolio issues- Created policy around Leveraged Loans, projections & downside cases, LTV, and risk ratings - Guided team through OCC examination and internal reviews all with Satisfactory results

Greater Los Angeles Area

Manager Franchise FinanceLed business vertical focused on the franchised fast-food restaurant industry. The portfolio was the top 5 largest in industry and maintained deep relationships with industry influencers. Responsible for portfolio growth and profitability.- Direct marketing to operators, consultants, and vendors- Exceeded group market share and pricing goals and improved WAvg risk rating while competitive set rapidly expanded- Pre-screened all opportunities for adherence to risk appetite, policy, and programs- Developed and communicated market strategy, strike zone, and portfolio quality- Utilized individual credit authority of $5 million

Irvine, Ca

Responsible for all aspects of prescreening and transaction structuring, underwriting, approval, and loan documentation for operator’s located throughout the U.S. Led a co-located underwriting team managing deal requests of up to $100 million for both underwriting and documenting; dotted line responsibilities over portfolio management team overseeing a portfolio of $4 billion of actively managed loans. Identified, assessed, and mitigated trends that could impact credit requests and portfolios. Successful in mentoring and promoting team members.- Prescreened and structured requests for new money or restructuring of existing exposure - Utilized individual credit authority of $30 million to decision >75% of all requests for franchisees- Effectively presented credit requests to executive levels within GE Capital- Recognized for positive cross-functional interactions and strong leadership abilities- Loan products included Term, RLOC, DDTL, Construction loans- Responsible for maximizing portfolio profitability through price and ancillary products- Received GE Capital Americas award for building strong customer relationships and domain expertise (one of five selected from 5,000+ employees)

Scotttsdale, Az

Managed team with combined underwriting and portfolio management duties. The portfolio consisted of $3.0 billion in the exposure of performing and watch list credits. Oversaw origination, covenant compliance, risk rating review, and loan management. Decisioned loan requests for existing clients and prospects; individual credit authority of $15 million. Managed portfolio through a very difficult economic cycle with better-than-expected results.- Actively originated loans to national and regional brands throughout the U.S. Resolved $630 million in watch list accounts through proactive portfolio issue identification and management- Led several projects to improve time-to-decision and net promoter score which led to marked improvement via diligent training and process improvements- Improved overall team experience by providing tools, resources, and support; managed to zero regrettable turnover- Recognized for developing a large and culturally diverse team through coaching, empowerment, and mentoring

Bellevue, Wa

Led Special Servicing Group of 25+ co-located staff assigned to monitor and collect a $1 billion, 300+ client troubled portfolio of loans and leases secured by equipment, business enterprise and real estate.- Through proactive portfolio management with improved processes and controls, reduced delinquency and losses in excess of 50% from previous years with an increase in non-price price over 15% per year for same period

Bellevue, Wa

Responsible for underwriting restaurant, gas, C-store and hotel loans; $5 million lending authority.

Portland, Oregon

Managed acquisitions team that completed due diligence on credit and documentation of commercial, consumer, small business and residential loans at $2 billion specialty finance company.