Commercial Real Estate Finance Credit Professional with a demonstrated track record of accomplishment and expertise in credit. Areas of expertise include credit administration, underwriting, loan review and portfolio management.

- Developed annual loan review process to improve accuracy of loan portfolio risk ratings, facilitate early problem recognition and reduce future loan losses.- Built commercial loan workout team to work collaboratively with borrowers to get loans back on track in an effort to preserve the relationship if possible and minimize financial impact to bank. For situations where those efforts failed or borrower was not cooperative, senior management elected to conduct bulk loan sales. Over two year period (2012-2013), through loan sales, payoffs,restructures and upgrades, non accrual loans were reduced from $69.1 million to $12.5 million and criticized/classified loans from $245.0 million to $40.0 million. - Implemented program to pursue recoveries on loans previously charged off, resulting in recoveries of $2.0 million in 2012 and almost $2.2 million in 2013.

- Hired to manage loan officers, underwriters and operations team to spearhead new business initiative. Entire commercial real estate team transitioned from loan origination to problem loan resolution 6 months later due to economic downturn and resulting significant spike in problem loans. Portfolio consisted of multifamily, commercial and mixed use properties. - Achieved 50% reduction in problem loans via loan modifications, reinstatements, note sales and payment plans, resolving approximately $150 million of problem loans over the last two years.

- Managed team of 10 credit managers/analysts responsible for structuring, underwriting and closing construction, interim and permanent loans on multifamily and commercial properties in the Northeast. - Evaluated direct, brokered and syndicated commercial real estate loan opportunities with relationship managers, including reserves, holdbacks, recourse levels and other risk management provisions. Approval authority of $5 million. - Proactively managed 400 strategic relationship loans totaling approximately $2 billion, doing annual loan reviews, monitoring credit quality, lease rollover, construction status, loan maturities and delinquencies. - Underwrote, negotiated legal documents and closed in excess of $2 billion of new loans.

- Built loan administration/portfolio management team of 32 people to support a $4.3 billion commercial real estate finance business with over 1,500 loans. - Created culture focused on cultivating customer relationships and maximizing profitability by enhancing fee revenue and deposit balances and minimizing credit, operational and financial risk and providing superior customer service. - Leader or major contributor to every due diligence effort due to a potential merger, acquisition or equity investment. Presented conclusions to senior management.