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.
• 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.

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.
• 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.
• 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.
• 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.
• 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 &.

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.

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.
• 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.

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.
• 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.

• 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.