Thomas Villemaire, Crc Email & Phone Number

Sarasota, Florida Area

Sarasota, Florida Area

- Responsible for the day-to-day management of existing large customer portfolios in high growth markets. having a complex degree of difficulty. - Monitors existing credit on a scheduled basis for issues or concerns. - Works with commercial bankers to handle proposed credit requests from customers. - Facilitates the documentation and closing process for new large, complex credit facilities, ensuring that the loans are properly set up on the loan systems for accurate ongoing monitoring.- Works with commercial banker associates to develop an assessment of client, competitor and industry risks and trends. Requires complete in-depth analysis of financial data and other information provided by the client, and supplemental analysis with research and evaluations from a wide variety of sources.- Works with commercial bankers, internal bank officers, third party vendors and bank attorney on the loan documentation and closing process for new/existing large, complex credit facilities.- Assists in cross selling efforts and performs special projects related to individual portfolio dynamics.- Assists in the training and development of Commercial Banker Associate team members, and provides guidance and counsel to junior Portfolio Managers as part of their ongoing growth.

1605 Main Street Sarasota, Fl

- Performs duties related to the underwriting of commercial loans typically $2.5MM - $15MM in size for customers with revenues from $2.5MM to $75MM. Collaborates frequently with loan officers and interacts with and provides consultation to customers. Performs research and financial and statistical analysis to determine and support the clients' credit worthiness while minimizing risk exposure. Prepares analysis, reports and presentations for management review and regulatory reporting. Ensures all transactions and processing are in compliance with regulatory and company guidelines, policies and procedures.- Performs duties related to the credit review of commercial manually underwritten loans related to Commercial & Industrial and Commercial Real Estate lending. - Focuses primarily on large complex loan requests with independent decision-making authority. Applies knowledge and experience of credit/risk management process to ensure the appropriate balance between company risk and customer/client focus and relationship is maintained.- Diverse industry experience in Healthcare, Hospitality, Agricultural, and Commercial Real Estate development.- Partners with loan officers to screen loan packages and collect "due diligence" materials. Interacts with customer representative and/or accountant. Provides analytical support for developing and maintaining credit studies, financial background information and other relevant data on present and prospective customers. Analyzes present and proposed lending and recommends optimum course of action to maximize profitability while providing a complete risk/delinquency analysis.

Sarasota, Fl 34232

- Develop new business opportunities by contacting referral sources, and customers.- Responsible for all aspects of lending process including, underwriting, compliance, closings, and portfolio management.- Assist CEO and Senior Lender with loan structuring, underwriting, closings and monitoring.- Interview business customers and new prospects to determine appropriate loan structure.- Analyze financial and related data to determine general creditworthiness of the customer/prospect.

Bradenton, Fl

- Develop new business opportunities by contacting prospects, referral sources, and customers.- Primary focus on companies with revenues between $3MM and $50MM.- Maintained consistent calling efforts in excess of 25 face to face calls per month.- Responsible for cross selling of all Bank services including Deposits and Cash Management.- Interview business customers and new prospects with respect to new loan requests.- Analyze financial and related data to determine general creditworthiness of the prospect.- Successfully prospected and identified $20 Million in potential new loan requests.

Bradenton, Fl

- Successfully managed and collected on an existing commercial loan portfolio in excess of $40 million including C&I and Real Estate loans.- Managed in excess of 50 relationships at any one time.- Primarily worked independently with little support.- Successful at analyzing the financial condition of existing bank customers and their repayment capability and valuing the collateral supporting each loan to determine the best course of action to maximize the bank's capital returns.- Successfully worked with clients within assigned portfolio to solve problems and maximize value in distressed situations where change in structure may be necessary.- Successfully negotiated with clients in distressed situations to maximize collections with many resulting in full payoff.- Responsible for monitoring covenant compliance within assigned portfolio to identify deteriorating credit conditions and compliance with loan documents.- Successful in identifying/liquidating related bank accounts/assets that resulted in recoveries to the Bank.- Successfully completed quarterly internal reports on all accounts within assigned portfolio and volunteered to help other managers when needed.- Successfully worked with outside vendors(attorney, receivers, management companies, realtor's, appraisers, etc..) to determine best course of action for distressed bank assets.

Bonita Springs, Fl

- Develop new business opportunities by contacting prospects, referral sources, and customers.- Primary focus on commercial real estate lending and companies with revenues between $1MM and $20MM.- Part of team that opened first M&I Bank on Marco Island, Fl. Originated and managed $30 million commercial real estate loan portfolio within the first two years. - Responsible for all aspects of lending process including, loan generation, underwriting, closing, and portfolio management.- Analyze financial and related data to determine general creditworthiness of the prospect.- As economy declined responsibilities transitioned into portfolio management/loan workouts and move into BMO Harris Special Accounts Management Unit.

Marco Island, Fl

- Business development and maintain customer relationships through loan/deposit generation.- Responsible for all aspects of lending process from loan origination to loan closing.- Successfully originated $20 million in commercial real estate loans in 2005 while supporting senior lender who was responsible for a $100 million loan portfolio.- Spread and analyzed financial statements and prepared loan presentations for senior lender.

Naples, Florida Area

- Spread and analyzed financial statements and prepared loan presentations for commercial lenders.- Underwrote commercial C&I and real estate loans from $500M to $15MM.- Support and maintain relationships with commercial loan officers.- Created and maintained all credit files.- Special projects and other duties as directed.

Greater New York City Area

- Successfully coordinated preparation of annual report as well as annual audits with internal/external auditors.- Responsible for supervision and training of staff.- Responsible for accounting on $11 billion Mortgage Backed Securities portfolio.- Responsible for all investment, loan, and debt accounting.- Successfully implemented and managed two system conversions.- Successfully prepared on time all month end management reports including variance explanations to senior management.

Dallas/Fort Worth Area

- Responsible for accounting on impaired investment asset portfolio.- Responsible for annual budget preparation and monthly variance explanations to senior management. - Assist in preparation of month end closings and management reports.

Burlington, Vermont Area

- Assist is preparation of month end closings and expense accruals.- Prepare and maintain daily/monthly account reconciliations.- Assist in preparation of month end management reports and variance explanations. - Assist in preparation of Annual Report and special projects as assigned.

Greater Boston Area

- Assist in preparation of month end closings including expense accruals and management reports.- Prepare Payroll and maintain daily/monthly payroll reconciliations.- Manage Accounts Payable and maintain A/P general ledger.

Continuing Education, Advanced Accounting Courses

Bachelor Of Business Administration (Bba), Business / Finance