Tim M. Email & Phone Number

New York, New York, United States

NEW BUSINESS DEVELOPMENT | CLIENT ENGAGEMENT | CUSTOMER ACQUISITION & RETENTIONNEGOTIATIONS | RISK MANAGEMENT | LOAN LIFECYCLE MANAGEMENT | FINANCIAL PLANNING• Assume a multifaceted senior vice president role, steering daily responsibilities, including overseeing business development initiatives and achieving high-level client acquisition and retention.• Generate new business and transactions, propelling business while adapting seamlessly to the COVID environment via securing high-quality and low-risk deals.• Strategically collaborate with brokers to facilitate new business development and portfolio commercial relationships.• Manage integral relationships with CRE operators and small business owners across the New York City market.• Restructured loans for negatively impacted clients in the hospitality/restaurant industry during the COVID pandemic while securing mutually beneficial terms and conditions for the Bank.• Assisted small businesses with SBA PPP loans, thus maximizing company's operating performance to achieve financial objectives.• Serve a diverse group of clientele, including corporations, real estate investors, government, healthcare providers, and non-profit organizations while steering deep market analysis to identify new opportunities.• Craft strategic departmental plans with a focus on commercial/small business lending enhancements to support corporate initiatives while negotiating loan terms/conditions in liaison with clients/stakeholders.• Lead multiple team members across real estate and business lending while supporting the regional president and key executives with special assignments.• Prospect clients and secure new business agreements while sourcing business via direct client relationships and commercial mortgages, along with nurturing partnerships with lending and financial institutions.• Interview, hire, mentor, and develop new candidates in coordination with the talent management department.

New York, New York, United States

CLIENT RELATIONSHIP DEVELOPMENT | BUSINESS EXPANSION | DEAL RESTRUCTURINGASSET MANAGEMENT | LOAN MANAGEMENT | SALES INNOVATION | BUSINESS DEVELOPMENT• Led origination, underwriting, closing, and asset management for the bank’s commercial loan portfolio while successfully originating billions in CRE transactions across all asset classes.• Facilitated client engagement, acquisition, and retention, formulating relationships with high-net-worth clientele and businesses while promoting business growth on a yearly basis.• Structured lending team’s goals (Originators, Underwriters, and Analysts) while mentoring and coaching the lending team regarding commercial loan policy.• Negotiated mutually beneficial agreements and streamlined transactions using analytical skills.• Oversaw commercial real estate transactions, commercial/industrial loans, loan purchase/sale agreements, and loan participation agreements to ensure compliance with risk guidelines.• Worked cross-functionally with staff, leadership and high-net-worth clients to achieve financial goals.• Steered construction loans, bridge loans, permanent mortgages, and owner-occupied financing; conceptualized loan authority structure to drive on-time loan approvals; orchestrated financial reports and interpreted data for managerial staff.• Managed company's finances; analyzed financial reports; prepared budgets; identified strategies to increase revenue and decrease costs; and ensured on-time completion of annual reviews and yearly inspections.• Administered loan review and reporting functions for commercial loan portfolio.• Contributed towards sales innovation, strategic business development, and profitability aligned with organizational objectives, coupled with developing annual growth targets.• Cultivated projections for firm’s finances while conducting evaluations to achieve cost reduction.• Developed new programs and products to support organizational priorities and created new revenue streams.

New York, New York, United States

REVENUE GROWTH | FINANCIAL ANALYSIS | REGULATORY COMPLIANCE | RISK MANAGEMENTQUALITY ASSURANCE | COMMERCIAL LITIGATION | LOAN PORTFOLIO MANAGEMENT • Recognized for restructuring deals in a manner that maximized recoveries and minimized losses.• Negotiated TDR's, managed REO, oversaw foreclosure actions, managed commercial litigation, and oversaw the enforcement/collection of judgments.• Analyzed statistical data to support underwriting parameters while leading loan reporting function, including CRE concentration reports, loan portfolio diagnostics, and watch list preparation to ensure risk management.• Resolved customer issues, adhering to ethical standards in compliance with regulatory laws and requirements.• Negotiated commercial loan transactions and displayed skill set for asset management portfolio.• Showcased in-depth knowledge of commercial loan work-outs while designing and monitoring loan portfolio performance through robust credit risk management system.• Devised forecasts, financial objectives, and business plans while proposing corrective actions to meet challenges and leverage growth opportunities, along with maintaining organization’s financial health.• Developed portfolio management framework, thus improving reporting results.• Collected and interpreted financial data while helping to identify financial risk.• Administered leadership and strategic direction regarding origination, underwriting, closing, and servicing.• Directed end-to-end operations, including customer services, human resources, administration, and sales.