Timothy Meder Email & Phone Number

Columbus, Ohio Metropolitan Area

• Responsible for overall management of commercial credit delivery channel for $2B bank
• Worked closely with senior management and various LOB's of the bank to develop credit underwriting processes, portfolio monitoring, policy formation, and risk rating model
• Coordinated 3rd party and regulatory commercial loan audits; primary liaison with federal regulatory agencies
• Oversaw significant growth of commercial portfolio, averaging CAGR of over 20% since 2017, while maintaining strong credit discipline and portfolio quality
• Recruited, developed, and managed Commercial Credit team located in 3 major Ohio metros
• Collaborated closely with 3rd party vendors on stress-testing, portfolio modeling, and balance sheet initiatives of the bank

Columbus, Ohio Area

Columbus, Ohio Area

• Provided ongoing management and coaching of team of Credit professionals for Middle Market lending activities of bank in region with commitments of over $1.2 billion.
• Advised Credit and Line of Business personnel on company’s Credit policies and procedures, ensuring overall compliance and recommending loan-structuring changes when warranted.
• Provided credit approval authority up to $20 million for commercial customers and prospects in Midwest region. Reviewed and edited credit packages for underwriting and policy accuracy.
• Reviewed and developed various Bancorp reports and analytics on daily basis to monitor region and individual Portfolio Manager credit-quality and overall performance of portfolio.
• Assigned book was the largest by loan outstandings in bank’s footprint for this segment and was consistently in the top 1-2 teams with regards to credit quality, exceptions, past-due’s, and all other Credit metrics.

Columbus, Ohio Area

• Supported Relationship Managers in Middle Market in their sales and underwriting efforts, including industry research, credit memo preparation, and on-going monitoring of portfolio.
• Assisted with pre-call planning and accompanied Relationship Managers on customer and prospect calls, provided deal-counsel, and assisted with presenting new borrowing requests to senior management.
• Provided on-going reviews of trends with portfolio, as well as preparing annual ratings and renewals on assigned portfolio of borrowing customers.
• Ensured compliance with all bank policies in underwriting and on-going portfolio management.
• Partnered with other areas of the bank in support of loan closings, customer service research, and ancillary product referrals.

Columbus, Ohio Area

• Provided loan underwriting support for new and existing commercial customers in Midwest region for bank with credit needs up to $15 million.
• Analyzed financial statements and assisted with deal-structuring and continuous monitoring of borrowing customers in region.
• Participated in joint customer and prospect calls with Relationship Managers.
• Ensured compliance with all policies and monitored credit trends within portfolio.
• Coordinated efforts with loan documentation area and assisted Relationship Managers with loan closings and renewals.

Commercial Credit Training

Bachelor'S Of Science, Economics

B.S. Economics