Experience

Village Bank & Trust

• United States
• Banking
• 1 - 100 Employee

• Vice President, Credit Administration

  • Oct 2012 - Present

  Monitor asset-based loans to ensure compliance with Borrowing Base reporting requirements Interact with Relationship Managers to clear reporting exceptions Coordinate with SBA team members to address PPP Audit requests across multiple charters Prepare selected management reporting for board of directors meetings Coordinate purchase of participations with other charters Monitor asset-based loans to ensure compliance with Borrowing Base reporting requirements Interact with Relationship Managers to clear reporting exceptions Coordinate with SBA team members to address PPP Audit requests across multiple charters Prepare selected management reporting for board of directors meetings Coordinate purchase of participations with other charters



FDIC

• United States
• Banking

• Asset Manager

  • May 2010 - Sep 2012

  • Managed relationships with assigned acquiring institutions to ensure compliance with Loss Share Agreements supporting purchase of failed institutions. • Actively coordinated disposition and workout of loan portfolios to achieve least cost resolution of impaired and non-performing loans. • Monitored and evaluated performance of external contractors to ensure timely and cost-effective completion of purchased services. • Participated in closing activities to resolve failed banks and interact positively with employees of both the failed and assuming institutions. Show less



Key Equipment Finance

• United States
• Financial Services
• 1 - 100 Employee

• Portfolio Management and Loan Workout

  • 2009 - 2010

  Workouts and Portfolio Management • Evaluated and processed restructures of distressed transactions in exit portfolios. • Monitored and implemented corrective action to ensure vendor programs’ compliance with policies and procedures. • Conducted Asset Quality Reviews on challenged credits and monitored progress of remediation efforts Workouts and Portfolio Management • Evaluated and processed restructures of distressed transactions in exit portfolios. • Monitored and implemented corrective action to ensure vendor programs’ compliance with policies and procedures. • Conducted Asset Quality Reviews on challenged credits and monitored progress of remediation efforts

• Senior Credit Underwriter

  • 2005 - 2008

  • Developed and implemented training programs for financial statement analysis and credit presentations on both developmental and remedial basis. • Developed, proposed and participated in the introduction of structured approval mechanism for more challenging credits that fell outside parent bank’s risk tolerance levels. • Monitored credit decisions to ensure compliance with policy and quality standards. . • Performed onsite due diligence reviews of portfolios considered for purchase through Syndications department. Show less



CitiCapital Construction Equipment Finance

• Senior Credit Analyst

  • 2003 - 2005

  • Mentored junior credit staff in financial statement analysis and credit presentation skills. • Performed due diligence on proposed portfolios and participations. • Accompanied sales team in customer visits to originate new business. • Mentored junior credit staff in financial statement analysis and credit presentation skills. • Performed due diligence on proposed portfolios and participations. • Accompanied sales team in customer visits to originate new business.



ConAgra Foods

• United States
• Manufacturing
• 1 - 100 Employee

• Manager, Credit Analysis

  • 2001 - 2003

  Managed team of credit analysts and support staff to implement corporate initiative to centralize risk management functions formerly dispersed among independent operating companies. Implemented rules-based credit policy. • Eliminated operating companies’ service complaints by holding staff accountable to performance standards developed through analysis and observation of business process. • Reduced cycle time for new credit requests from ten working days to less than one day by defining required information and revising the business process. • Managed analysts’ completion of over 400 credit reviews on accounts with credit lines exceeding $1 million per customer (up to individual high of $200 million) to resolve most significant internal audit concerns. Show less



Heller Financial

• Financial Services
• 1 - 100 Employee

• Credit Account Manager

  • 1999 - 2001

  •Eliminated backlog of reviews on over 100 liquidating portfolios, each with $5mm or more outstandings. •Identified and resolved documentation omissions by interacting positively with customers and sales team. •Eliminated backlog of reviews on over 100 liquidating portfolios, each with $5mm or more outstandings. •Identified and resolved documentation omissions by interacting positively with customers and sales team.



Mitsubishi Motors Credit of America

• United States
• Banking

• Region Manager, North Central Region U.S.

  • 1996 - 1999

  Manager, North Central Region, Schaumburg, Illinois Managed administrative and sales team of 15 individuals responsible for all credit, funding and dealer development for region serving over 100 dealers throughout 12 states. • Developed and implemented onsite dealer training program which reduced contract errors by 60%, accelerated funding and improved dealer satisfaction ratings. • Reduced application turnaround time by over 70% by actively coaching credit analysts. • Increased penetration with higher quality applicants by improved service and faster response times. Show less



Deutsche Credit Corporation

• AVP, Automotive Credit Services

  • 1986 - 1996

  Assistant Vice President, Automotive Credit Services 1991-1996 Established centralized indirect automotive credit function under service agreement with Volkswagen Credit, Inc. Recruited, trained and managed staff of 40 supporting over 700 dealers throughout the U.S. • Developed training materials and program to prepare staff for accelerated rollout. • Successfully launched operations on time despite late commitment by client, multiple IT obstacles and severe understaffing due to application volume that substantially exceeded historical levels. • Gained credibility of dealers by meeting with dealer councils, accepting feedback and quickly implementing corrective actions. • Planned facilities and staffing for Automotive Services Division. Documented existing policies and procedures used by client’s previous service provider. Developed and proposed new policies and procedures to be used in this initiative Previous accomplishments at Deutsche Credit Corporation 1986-1991 • Performed due diligence investigations on over $200 million receivable portfolios secured by payment streams on office automation product leases. • Performed workout activities on non-performing credits that included machine shops, trucking firms, restaurant operators and agricultural enterprises. Negotiated directly with borrowers and other creditors to mitigate loss exposure. Show less