• Responsible for managing the commercial credit underwriting and credit administration functions for both the Business Banking Group and the Community Development Group• Underwrite, structure and risk rate new and existing loans ranging from $50,000 to $10,000,000 for companies with revenue size ranging from $400,000 to $250,000,000• Assist with writing new policies and revising the existing credit policy, creating a new credit write-up format, new deal submission form and… Show more • Responsible for managing the commercial credit underwriting and credit administration functions for both the Business Banking Group and the Community Development Group• Underwrite, structure and risk rate new and existing loans ranging from $50,000 to $10,000,000 for companies with revenue size ranging from $400,000 to $250,000,000• Assist with writing new policies and revising the existing credit policy, creating a new credit write-up format, new deal submission form and standardizing other forms • Work with many different industries and loan types including working capital lines of credit, commercial real estate loans, equipment loans, SBA 504 loans, SBA 7a loans, letters of credit and others. • Mentor and train other underwriters within the group• Build relationships, provide credit updates and lead training for relationship managers• Act as the Business Banking compliance representative and group’s Reg B officer• Restructure, work out of, negotiate and strengthen loans in the existing portfolio Show less

• Underwrote and approved new and existing loans ranging from $50,000 to $5,000,000 for companies with revenue size ranging from $1,000,000 to $50,000,000 • Granted $5,000,000 in single signature approval authority • Worked with the client/relationship managers and clients on a daily basis to discuss credit and build relationships

Senior Portfolio Officer (Merrill Lynch)—(10/2007-4/2010) Portfolio Officer (Merrill Lynch)—(10/2005-10/2007)• Underwrote, renewed, restructured and managed a portfolio of close to $100,000,000 with loans ranging from $100,000 to $5,000,000• Analyzed complex credits and evaluated credit risks for each customer to determine appropriate action• Granted $3,000,000 in signature authority• Properly structured loans, negotiated terms and prepared complete underwriting… Show more Senior Portfolio Officer (Merrill Lynch)—(10/2007-4/2010) Portfolio Officer (Merrill Lynch)—(10/2005-10/2007)• Underwrote, renewed, restructured and managed a portfolio of close to $100,000,000 with loans ranging from $100,000 to $5,000,000• Analyzed complex credits and evaluated credit risks for each customer to determine appropriate action• Granted $3,000,000 in signature authority• Properly structured loans, negotiated terms and prepared complete underwriting analysis for extension of credit• Maintained strong relationships with both clients and financial advisors and work to provide excellent customer service on a daily basisCredit Manager in Contractor/Loan Quality/Workout Group (Merrill Lynch)—(7/2004-10/2005) • Negotiated terms of restructure or the workout and exit of contractor and non-performing loans• Responsible for training, developing and mentoring five new credit analystsCredit Analyst (Merrill Lynch)—(12/2003-7/2004) • Completed financial analysis, underwriting and credit write-up for renewal of lines of credit• Worked with credit managers to put together loan structures focusing on collateral, guarantees and covenants Show less

• Analyzed financial statements of Fortune 1000 companies and contractors in both commercial and contract surety• Evaluated risks and made decisions on whether or not to approve a specific account or bond• Assisted with writing multi-million dollar bonds• Developed close working relationships with agents and brokers on a daily basis to help develop new accounts