Experience

Reading Cooperative Bank

• United States
• Banking
• 1 - 100 Employee

• Vice President Commercial Lending

  • Apr 2021 - Present



Newburyport Bank

• United States
• Banking
• 100 - 200 Employee

• Vice President, Commercial Loan Officer

  • Dec 2019 - Apr 2021



First Ipswich Bank

• Vice President

  • Apr 2017 - Dec 2019

  Community Banker focused on building relationships with commercial and real estate clients in the Boston Metro area north o Cape Ann. Community Banker focused on building relationships with commercial and real estate clients in the Boston Metro area north o Cape Ann.



Reading Cooperative Bank

• Vice President

  • Sep 2013 - Apr 2017

  Commercial Lender for the North Shore and Metro-Boston region. Seving middle-market and lower middle-market borrowers with financing needs up to $6 million. Product offerings include Lines of Credit, Term Loans, Commercial mortgages (including non-owner occupied investment properties), and the Bank's cash management products. Commercial Lender for the North Shore and Metro-Boston region. Seving middle-market and lower middle-market borrowers with financing needs up to $6 million. Product offerings include Lines of Credit, Term Loans, Commercial mortgages (including non-owner occupied investment properties), and the Bank's cash management products.



Beverly Education Foundation

• Treasurer

  • 2013 - 2015



People's United Bank, N.A.

• United States
• Financial Services
• 700 & Above Employee

• Vice President

  • Sep 2011 - Sep 2013

  Relationship manager for a $80MM+ lower middle market portfolio of C&I loans Relationship manager for a $80MM+ lower middle market portfolio of C&I loans



Citizens

• United States
• Banking
• 700 & Above Employee

• Vice President

  • Sep 2009 - Sep 2011



KEYBANK CAPITAL MARKETS

• Associate

  • Dec 2007 - Jun 2009

  Improved the credit approval process by acting as the primary contact between the client and the risk management division of the bank. Spearheaded client discussions, transaction underwriting, and documentation, which led to a shorter and more seamless execution. Led client discussions aimed at cross selling the Bank's Treasury Management, Foreign Exchange, and Interest Rate Derivative platformsActed as the primary liaison between the Regional Banking Team and KeyBank's Capital Committee, which was composed of executive leaders of the organization Constructed and monitored cash flow and valuation models for assessing client's credit risk profile and performanceReviewed legal documentation, including credit agreements, bond indentures, and covenant waivers for new and amended transactions Mentored and trained credit analysts in accomplishing goals and performing as team players within the National Commercial Bank.



Bank of America

• United States
• Banking
• 700 & Above Employee

• Credit Products Underwriter

  • Jun 2006 - Aug 2007

  Monitored quarterly financial reporting, company press releases, and other relevant SEC filings for transaction compliance and overall cash flow stability of borrowersPrepared approval memos for bank credit products that include term loans, revolving lines, derivative exposure, leasing exposure, and treasury management productsEnsured that underwriting documentation followed internal credit policy, and the overall credit approval process met the Bank's formal lending requirements

• Investment Banking Analyst

  • Apr 2004 - Jun 2006

  Drafted approval memos for new asset-backed commercial paper transactions, and renewal or restructuring of existing transactions; asset classes include trade receivables, autos, equipment loans/leases, collateralized bond obligations, and commercial/residential mortgagesConducted and prepared written reviews of on-site due diligence of existing clients and new prospects to assess strength of asset origination and servicing operationsCreated and presented securitization cash flow models, client pitch books, and deal term sheets



Fleet Securities

• Treasury Analyst

  • Feb 2002 - Apr 2004

  Reviewed monthly collateral and borrowing base reports to create a trend analysis for the Portfolio Management team of the Asset-Backed Commercial Paper ConduitPerformed the month end closing and reconciliation of bank accounts and general ledger accounts, preparing and auditing the closing packages for senior managementDetermined funding requirements and proper maturity for the entire program's asset-backed commercial paper issuance Reviewed monthly collateral and borrowing base reports to create a trend analysis for the Portfolio Management team of the Asset-Backed Commercial Paper ConduitPerformed the month end closing and reconciliation of bank accounts and general ledger accounts, preparing and auditing the closing packages for senior managementDetermined funding requirements and proper maturity for the entire program's asset-backed commercial paper issuance



Columbia Management Investment Operations

• Team Supervisor

  • Jan 2000 - Jan 2002

  Managed a team of operation analysts, conducting personnel evaluations, interviewing and hiring new analysts, as well as the completion of disciplinary proceduresActed as key liaison with other business partners; including investment managers, traders, and fund accounting, to maintain efficient trade processing and real-time portfolio dataEnsured daily cash investment was completed over 50 mutual funds, projecting the amount available for repurchase agreements and commercial paper investments. Contacted Broker Dealers to manage the cash settlement process and resolve interest discrepancies



Columbia Management Group

• Financial Reporting Analyst

  • Jan 1999 - Jan 2000

  Reconciled all mutual fund asset positions to ensure correct fund valuationsConstructed financial statements for annual reporting of funds

• Dealer Services Representative

  • Jan 1998 - Jan 1999

  Facilitated account maintenance for shareholders, broker-dealers, and back-office representatives Collaborated with marketing to provide clients with fund performance, market trends, risk exposure, and investment style information



Liberty Funds Group

• Fund Accountant

  • 1999 - 2000