United Business Bank

Met with existing and prospective bank customers on a regular basis in order to source new commercial loans and to monitor ongoing financial needs of existing customers which included all available products and services offered by the bank.  Worked with Loan Administration on a daily basis and contacted local customers concerning and questions or problems with their existing loans.  Managed an existing book of loans/relationships.  Duties included contacting existing clients on a regular basis, annual site inspections and ongoing analysis of client's financial condition.  Monitored maturing loan reports to ensure renewal requests were submitted in a timely manner.  Reviewed portfolio loan files monthly/quarterly for compliance with Bank Policy.  Actively managed technical exceptions.  Evaluated loan requests and determined whether a loan was within an acceptable risk according to Bank Policy and submitted complete packages for approval.  Portfolio and new loan requests included C&I. CRE, Commercial and Residential Construction, Lines/Letters of Credit (primarily complex loans).  Position included annual production goals.

Senior Portfolio Manager / AVP

Capital Bank, N.A.

Prepared spreadsheets, common size data and comparative industry analysis on credits as requested by Relationship Managers.  Prepared written analytical memos to include all key points of a relationship.  Applied financial and analytical procedures to aid in evaluating the creditworthiness of existing and prospective Bank customers.  Utilized industry analytical tools to compare the operating performance of businesses to those businesses of the same size and in similar industries.  Analytical memos included a risk rating assessment in addition to a recommendation for approval or decline by Credit Administration.  Memos were presented to Management/Officer's Loan Committee and Board of Directors (based upon total relationship commitments and outstandings).  Loans included all Commercial and Industrial, Commercial Real Estate, Commercial and Residential Developers/Builders and SBA loans.  The average deal size was $1MM-$12MM with total borrower exposure up to $40MM.  In addition to the relationship with the Lenders, there was frequent contract with customers and their CPAs to obtain all necessary information to complete an analysis.  Other duties consisted of completion of relationship profitability worksheets, borrowing base worksheets, construction budget analysis, and covenant compliance analysis of existing credits.  In charge of a Junior Analyst and Portfolio Manager training program.  Financial statement spreading programs utilized included Baker Hill Statement Analyzer & Sageworks Credit Analysis Software by Abrigo (web-based) for SBA loans and Advanced Excel spreadsheets created to fit specific company needs.

Senior Credit Analyst / AVP

John Marshall Bank

Essentially the same position reflected for Capital Bank and Nusenda.  Loans included all Commercial and Industrial, Commercial Real Estate, and Commercial and Residential Developers/Builders.  Average Deal Range is $1MM - $15MM with total borrower exposure up to $40MM.  Annual Review of existing relationships ranged from $2MM to $40MM.  Financial statement spreading programs included Sageworks Credit Analysis Software by Abrigo (web-based) and Advanced Excel spreadsheets created to fit specific company needs.  Trained Junior Analysts upon request.

Senior Credit Analyst

Nusenda Credit Union

Completed analysis of new loan requests and annual reviews of existing loan relationships. Analyzed financial statement information and prepared Spreadsheets, to include common size data and comparative industry analysis as requested by Business Services Relationship Managers. Prepared written analytical memos which included all key points of a relationship. Applied financial and analytical procedures to aid in evaluating the creditworthiness of existing and prospective customers. Analytical memos included a risk rating assessment in addition to recommendations for approval or decline by Credit Administration. Memos are presented to Management Loan Committee and Board of Directors (based upon total relationship commitments and outstandings). Loans included Commercial, Commercial Real Estate, Commercial and Residential Developers/Builders. Average deal size up to $3.5MM and relationships ranged from $2MM to upwards of $30MM. Frequent contact with Commercial Lenders in addition to occasional contact with customers and their CPA’s to obtain necessary information to complete an analysis. Financial statement spreading programs included Bukers Tax Analysis and extensive use of detailed Excel workbooks.

The Write Lane, LLC

Independent Contractor - Credit Analysis - Primary Clients  -Banks
Underwriting and financial analysis contracts awarded currently include several Financial Institutions in the Washington D.C. Metropolitan area.  ** See client list below.  Write-ups are invoiced on a per deal basis (hourly with a price cap) within the contract per client.  Retainer option for a group of deals with a 10% discount is available.  Spreads only and limited analysis is priced on a per client basis at an hourly rate.  Software license utilized is Statement Analyzer by BakerHill Corporation to include all industry specific spreadsheets (General, Contractor, all RE templates to include retail, office, wholesale/flex, apartment-multifamily, Not-For-Profit/Funds Accounting etc.) in addition to all Microsoft Office Software.  A local market phone and fax number are used through an internet phone service.  If Citrix use is available, a VPN connection can be used to access the Company’s system remotely and spreads and analysis are saved into the bank system directly.
Full Analysis includes:  1) Corporate Spreads; 2) Individual Spreads - Adj BS & Funds flow; 3) Industry analysis; 4) Financial analysis -corporate & individual; 5) Risk analysis and 6) Recommendations.
Client list includes - not limited to:  1) EagleBank N.A., Bethesda MD; 2) Bank of Georgetown, Washington DC; 3) ColomboBank, Rockville, MD; 4) Business Finance Group, Fairfax, VA (non-bank - CDC) ; 5) Chain Bridge Bank, McLean, VA; 6) Old Point National Bank, Hampton, VA; 7) Millennium Bank, Sterling, VA; 8) Providence Bank, Rocky Mount, NC; 9) Carolina Premier Bank, Charlotte, NC; 10)Burke and Herbert Bank, Alexandria, VA; 11); and 12) Apple Federal Credit Union, Fairfax, VA.

President / Owner

EagleBank, Bethesda MD

See Senior Credit Analyst duties in similar jobs listed above.  EagleBank Loans included all Commercial, Commercial Real Estate, Commercial and Residential Developers/Builders.  Average deal size up to $6.8MM (legal lending limit at the time).  Larger deals were accepted; however, were participated.  In addition to the relationship with the lenders, there was frequent contact with customers and their CPA’s obtaining necessary information to complete the analysis.  (Relocated back to Chesapeake, VA – worked for Eagle as a “contract employee” through single member LLC)

Senior Credit Analyst/ Vice President

Alliance Bank, Chantilly, VA

Essentially the same position as that held at EagleBank.  Alliance Bank however; had a lower legal lending limit of $5MM.  In addition to Commercial, Commercial Real Estate, Commercial and Residential Developers/Builder deals, Consumer HELOC’s were also underwritten in the Credit Administration department.  Also managed a small portfolio of loans and dealt with customers on a daily basis.  Some deals greater than the $5MM legal lending limit was accepted, however; were participated.

SequoiaBank, N.A., Chantily, VA  - purchased by United Bank

Managed Underwriting and Approval Department for Commercial Loans, Commercial RE Loans, Consumer Loans, Consumer HELOC’s $250M and less (5 employees).  Supported Business Bankers and Branch Managers with Industry and Target Market analysis in addition to underwriting and approval function.  Outlined a deal-flow chart and detailed underwriting requirements which aided relationship managers to obtain a 48 hour turn-around for approval and documentation preparation for submitted loan requests.  Developed a credit training program for Branch Managers and Small Business Bankers to coincide with the bank’s corporate credit culture.  (SequoiaBank announced sale of bank to United Bank in April 2003 – department was to be eliminated).

Business Banking Center GROUP Mangager, Vice President

Wachovia, A Wells Fargo Company / Summerville, SC (Charleston Region)

Responsible for business development, strategic partnering and relationship servicing to potential and existing clients.  Consistently met aggressive sales goals for loans and deposit relationships. Ranked 4th out of 98 Small Business Bankers in South Carolina, North Carolina, Georgia, Florida and Virginia as of March, 2000.  Developed proactive disciplined calling program within assigned service area which included branches in Walterboro, Summerville, Moncks Corner and Goose Creek, South Carolina.  Target market included small businesses with annual sales up to $3MM. Average deal size was $1MM and less to include all Commercial, Commercial Real Estate and small Builder/Developer loans.   Managed a client portfolio ensuring sales revenue and retention of existing portfolio.  Led the bank in gender based marketing strategies.  Held two “Women In Business” seminars in the Summerville market area, which generated several million dollars in loan production and new deposits to the bank.

Relationship Manager - Business Banking / AVP

Capital One f/k/a Hibernia Bank, New Orleans, LA

Reviewed commercial, commercial real estate, national, international and correspondent bank loans.  Functioned as a team leader on several New and Renewed reviews and a $180MM portfolio review.  Participated in special projects, which included acquisition reviews and mortgage compliance reviews.

Commercial Loan Review Officer / VP

Experienced Analyst and Lender with a demonstrated history of working in the banking industry. Strong business development  (sales) professional with extensive experience in Risk Management, as a Financial Analyst, Budget Analyst, Commercial Lender, Relationship Manager, Portfolio Manager and Credit Analyst. Proficient in Excel and Microsoft Office. Have excellent technical writing, Leadership and organizational skills. Supervised an underwriting group and a business development group of bankers for several years.  Seasoned manager.  Additional skills include Microsoft office, excel -advanced, word, access and all financial analysis spreadsheet programs.

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