Experience

Encina Capital Partners, LLC

• United States
• Investment Management
• 1 - 100 Employee

• Managing Director - Underwriting

  • May 2019 - Present

  Encina Capital Partners, LLC, through its affiliates, has provided specialized lending and leasing solutions to middle-market companies in the U.S. and Canada. Since 2016, Encina has provided over $3 billion in aggregate commitments to more than 150 customers across a wide variety of industries. Encina has approximately 50 employees located across several locations in the U.S. For additional information, please visit www.encinacapital.com. Encina Capital Partners, LLC, through its affiliates, has provided specialized lending and leasing solutions to middle-market companies in the U.S. and Canada. Since 2016, Encina has provided over $3 billion in aggregate commitments to more than 150 customers across a wide variety of industries. Encina has approximately 50 employees located across several locations in the U.S. For additional information, please visit www.encinacapital.com.



Capital One

• United States
• Financial Services
• 700 & Above Employee

• Senior Director & Team Leader

  • Dec 2016 - May 2019

  • Credit policy team leader for cash flow lending activities, including Leveraged Lending, Higher Risk Loans, Shared National Credit and Capital Markets • Serve as subject matter expert and change agent by challenging current state and designing more effective use of policy • Partner with key stakeholders to ensure compliance and understanding of policy • Credit policy team leader for cash flow lending activities, including Leveraged Lending, Higher Risk Loans, Shared National Credit and Capital Markets • Serve as subject matter expert and change agent by challenging current state and designing more effective use of policy • Partner with key stakeholders to ensure compliance and understanding of policy



GE Capital

• United States
• Financial Services
• 700 & Above Employee

• Senior Vice President - Credit Risk

  • Nov 2014 - Dec 2016

  • Subject matter expert in commercial credit risk rating function; Educated business units on ratings policy and methodology• Senior executive leading development and implementation of new risk ratings framework, including a new ratings philosophy, scale and definitions• Ensured robust governance and controls around the production and review of risk ratings• Drove use and consistency of risk ratings process across GE Capital• Established processes, analytics and reporting to monitor ratings, overrides and model performance Show less

• Senior Vice President - Enterprise Risk

  • Apr 2011 - Nov 2014

  • Led credit risk readiness projects for regulatory supervision

• Senior Vice President - Underwriting and Portfolio Management, Bank Loans

  • Oct 2006 - Apr 2011

  • Seasoned senior level portfolio manager for middle-market and broadly-syndicated leveraged loans investments across diverse mix of industries (including general manufacturing, printing &food & beverage). Led deal teams in the underwriting and approval of commercial loan transactions.• Negotiated terms and conditions for transactions and worked with deal teams to ensure appropriate documentation is in place.• Managed portfolio accounts, performed comprehensive analysis of transactions and resolved problem accounts in partnership with workout team and subject matter experts.• Prepared risk assessments on new deals and portfolio accounts and presented to senior management with a clear and consistent approach to mitigate risks. Show less

• Vice President - Underwriting and Portfolio Management, Structured Finance Group

  • Dec 2001 - Oct 2006

  • Portfolio manager for leveraged loan investments in general manufacturing and food & beverageindustries• Risk lead for new business underwriting, portfolio management, distressed debt investing andrestructuring of cash flow senior debt transactions• Strong risk rigor to minimize losses. Worked on out-of-court restructuring with full debt recovery• Negotiated waivers and amendments to provide flexibility for borrower while driving focus on repricings and enhancing structural terms• Optimized portfolio by identifying sale and strategic opportunities• Risk lead for diversified leverage loan purchase of $500MM with attractive returns. Led cross-functional team. Show less

• Associate - Underwriting and Portfolio Management, Structured Finance Group

  • Jul 1998 - Nov 2001

  • Executed all aspects of underwriting for senior debt participations by performing financialmodeling, due diligence, industry analysis, risk assessment and investment return analysis• Conducted risk management analyses and recommended portfolio changes



Dean Witter Reynolds

• New York, NY

• Analyst - Corporate Finance

  • Jun 1994 - Sep 1996

  • Executed all aspects of corporate financings, including due diligence, merger and financial analyses, drafting sessions, committee offering memoranda and marketing materials. • Involved in structuring equity and debt offerings, including initial public offerings, master limited partnerships, fairness opinions and other advisory assignments. • Maintained client relationships by developing complex financial models and performing sensitivity analyses for acquisitions, mergers and capital financings. Show less



Fleet Financial Group

• Providence, RI

• Credit Analyst - Commercial Credit Training Program

  • Jun 1993 - Jul 1994

  • Developed excellent credit and risk assessment skills through reknown and intensive formalized Commercial Credit Training Program • Developed excellent credit and risk assessment skills through reknown and intensive formalized Commercial Credit Training Program