Thomas D. Hatt Email & Phone Number

Clinton, Nj, Us

Woodbridge, Nj, Us

Currently responsible for expanding the Bank's commercial lending portfolio by managing and growing profitable commercial lending relationships. This includes overseeing a Team of Relationship Managers, Portfolio Managers, Underwriters, and Loan Processors, to attract, structure, underwrite, and close on Commercial & Industrial (C&I), Asset-based (ABL), and Commercial Real Estate (Investment CRE) loans and deposit relationships. • Develops and executes loan portfolio strategies, monitors performance of loans, and works to mitigate risk.• Creates and executes a business development strategy to generate new business opportunities.• Creates and sustains relationships with centers of influence to generate referrals, while building and maintaining relationships within the communities we operate in. • Provides Leadership and direction to the team, while facilitating strong communication between clients and the team.• Coaches, mentors, trains, and and develops the team toward compliance and goal achievement by clearly communicating expectations and accountability. • Actively participates in the performance management process, including providing ongoing coaching and feedback, and proactively addressing performance issues.• Develops and maintains lending and operating policies consistent with those established by the Bank.• Makes presentations for loan approvals to Senior Management and our Board of Directors.• Protects the Bank's assets and maintains the quality of the loan portfolio by adhering to lending policies & procedures, legal/ ethics requirements & regulations, audit requirements, and established risk guidelines.

Englewood Cliffs, Nj, Us

Was responsible for the overall financial performance and management of an assigned commercial real estate lending Team and Market area, with Relationship Managers, Portfolio Managers, and Credit Analysts as direct reports.• Developed and implemented a Business Plan to grow the assigned market area's portfolio, while monitoring the portfolio to ensure credit quality standards and procedures were met. • Established and serviced a quality Commercial Loan & Deposit portfolio by cultivating new and expanding existing business.• Participated in Strategic Planning.

San Antonio, Tx, Us

• Ensured quality Underwriting, Compliance, and Credit Monitoring within the Commercial Loan Portfolio, with a primary focus on new loans or incremental exposure in accordance with Federal, State, and NCUA Regulatory requirements and company Loan Policies and Underwriting Guidelines to strategically support risk objectives. • Reported directly to the SVP (Division Head) to ensure consistency within the company’s risk appetite principles, recommendation of loan approvals, accurate borrower Risk Ratings, and strategic portfolio analysis, while working to prevent or ameliorate loan losses and assisting in the detection of loan problems and recommendations around non-accruals, charge-offs and collections. • Utilized Direct (Individual single signature of $2 Million) Lending Authority as appropriate; Recommended loans as appropriate for approval by SVP or Executive Loan Committee; Coordinated and lead all deal discussions; Coordinated all ELC meetings; Reviewed & approved term sheets prior to delivery to borrowers; Reviewed & approved all credit approval memorandums for content and adherence to Credit Policy and Underwriting Guidelines.• Assisted in the Strategic Planning for the Division as it related to Commercial Loan Underwriting, Credit Policy, Underwriting Guidelines, and Portfolio Strategies.• Was part of the Senior Leadership Team, and participated in management meetings.

San Antonio, Tx, Us

• Managed the Commercial Loan production Team for the Southwestern U.S. / Texas Market, including San Antonio, Dallas-Fort Worth, Austin, Houston, El Paso, Coastal Bend, and the Rio Grande Valley.• Ensured lending staff under direct supervision originated, analyzed, and serviced member commercial loans in accordance with State, NCUA, and SSFCU policies and procedures.• Acted as coach and was responsible for individual development in addition to management responsibilities of direct reports.• Was responsible for Team; Loan Origination; Analysis; Portfolio Management; Ensuring compliance with regulatory and statutory requirements.• Collaborated with other Senior Leaders in the strategic planning for the Division, and contributed to the strategic planning as it related to Loan Production, Risk Management, and Goals.• Exceeded established Production, Growth, and Fee goals, by coaching and managing my team to Division leading performance of approximately $175 MM in new loan production and over $850M in new fee revenue over the 2016 & 2017 fiscal years; Successfully executed the entry and growth of our new geographic markets in Dallas-Fort Worth, Houston, and Austin; and managed my team in consistent and prudent portfolio management.

Short Hills, Nj, Us

• Focused on Middle Market commercial clients in Northern & Central New Jersey, New York City, and Long Island, with annual revenues up to $250 MM, and credit relationships (exposure) up to $75 MM.• Provided Traditional and Asset-Based Lines of Credit, Term Loans, Commercial Mortgages, Letters of Credit, Deposit accounts, and Cash Management to Commercial & Industrial clients to support growth.• Met and Exceeded pre-established Commercial Loan growth, fee, and deposit goals during my tenure with the Bank, by working with the retail branch network, previous and existing clients, and my own centers of influence and professional network.

Montebello, Ny, Us

• Focused on Middle Market companies with annual gross revenues of $20 MM - $200 MM, and lending needs up to $25 MM.• Charged with attracting, analyzing, structuring, pricing, underwriting, and closing on profitable commercial lending and deposit relationships.• Primary focus was on Asset-Based lending, Commercial & Industrial lending, Factored Finance, and Syndications.

San Francisco, California, Us

• Managed, grew, and retained profitable relationships for commercial clients that have annual gross sales of $5 MM - $25 MM, and ensured the success and growth of an assigned commercial portfolio by deepening relationships of existing clients and through the acquisition of new clients.• Performed financial analysis and underwriting in the areas of credit, cash flow, and collateral, while effectively partnering with other lines of business, and providing guidance to Relationship Managers and Senior Relationship Managers within my group.

Toronto, Ontario, Ca

• Developed & managed a $150 MM + commercial loan portfolio, with a strategic focus on traditional Commercial & Industrial, Asset Based, and Commercial Real Estate financing for companies with annual gross revenues of $20 MM to $150 MM+ in North/Central NJ.• Focused on credit quality, risk management, profitability, loan & fee growth and portfolio management.• Proven in credit underwriting, financial statement analysis, cash flow and collateral analysis, industry and market data, and risk rating protocols.Achievements: - Performed in top 5% of approximately 70 Commercial Lenders in N.J. - WoW Star Awards in 2009 & 2010 for outstanding production. - Produced over $101 Million in commercial loan commitments, and $2 Million in combined fees.

• Developed & maintained a commercial loan portfolio for a start-up community bank.• Focused on real estate collateral, commercial mortgages, construction lending, and SBA financing.

London, Gb

• Developed & maintained a commercial loan portfolio consisting of small businesses. Focused on credit facilities up to $3 MM, deposit acquisition, cash management, and trade services.

Pittsburgh, Pennsylvania, Us

• Managed a $300MM Market, formulated & executed market strategies focusing on new business development, deposit acquisition, and commercial lending, while working closely with Senior Management.• Received the Leadership Award (Top 20 Manager) in 2006.

Boston, Ma, Us

• Managed a $100 MM retail branch office on profitability, deposit growth, consumer & commercial loan growth, and investment sales.• Received the Red Carpet Service Award in 2004.

New York, Ny, Us

• Managed a $55 MM retail bank branch on profitability, sales & lending, and branch operations. • Held NASD/ SEC Series 6, 63, 7 Licenses.

Boston, Massachusetts, Us

• Achieved top ranking of Outstanding in deposit growth for 5 consecutive quarters, grew branch deposit base 98%, and Increased unit production 110%.• Merger trainer during Collective Bank and New Milford Bank & Trust (NMBT) mergers.• Started at United Jersey Bank (UJB), and was promoted to Branch Manager (AVP) within the organization, primarily with Summit Bancorp, until the merger with Fleet.