Experience

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  Primary Bank

  • United States
  • Banking
  • 1 - 100 Employee

  • VP, Commercial Lender

    • Apr 2019 - Present

  • Commercial Lender

    • Apr 2019 - Present

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  Eastern Bank

  • Portsmouth, NH

  • AVP, Relationship Manager

    • Apr 2014 - Feb 2019
    • Portsmouth, NH

• 

  Bank of New England

  • Salem, NH

  • Senior Commercial Credit Analyst

    • Feb 2013 - Apr 2014
    • Salem, NH

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  NorthEast Community Bank

  • Danvers, MA

  • Commercial Portfolio Manager, AVP

    • Jul 2011 - May 2012
    • Danvers, MA

    Analyze financial information pertaining to credit requests including collateral valuations and financial trends to determine the credit worthiness of the request. Included examination of financial ratios, peer group analysis, review of real estate and equipment appraisals, examination of accounts receivable and inventory levels, cash flow analysis, evaluation of management attributes and industry risk. Spreading financial statements on PC based software.Worked with account managers to obtain information necessary to support the commercial loan request or annual review of the customer's banking relationship. Met with borrowers and/or their representatives to develop an understanding of their business and pending request, as well as follow-up calls with specific financial issues.With the Account Manager, jointly determined the desirability of the credit requests. Within the framework of the Bank's Credit Policy helped propose an appropriate loan structure and risk rating. Assisted Account Managers at Commercial Loan and Commercial Finance Committee meetings with presentation of proposed requests. Gather data from sources such as Dunn & Bradstreet, credit bureaus, bank and trade references to estimate the borrower's credit standing. Researched borrower's primary industry to identify trends and challenges. Examined RMA data for peer group analysis.

• 

  Ocean Bank/People's United Bank/Danversbank

  • Credit Analyst / Commercial Lender -AVP

    • Jun 2007 - Jul 2011

    Responsible for retaining and servicing existing portfolio of customers and helping to source new opportunities through effective prospecting activities.Identify business opportunities, develop existing customer base and initiate new client relationshipsMonitor loan portfolio for early identification of potential problems and ensure loans are risk rated properly.Continually develop and maintain specialized knowledge of commercial products including loans, cash management, trade services products and deposits.

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  The Home Depot

  • Operations Manager

    • Aug 1998 - Jun 2007

    Delivered outstanding customer service to all company associates and shareholders by assuring the goals of the company and the financial interests of the shareholders are being achieved through effective, efficient, and well-controlled processes.Ensured continuous improvement by conducting independent and objective business reviews and partnering with customers to deliver premier business solutions. Developed future management talent for the company by offering diverse business experiences and by providing a rigorous learning curriculum through on the job training and classroom training.Achieved sales goals of up to $50 million while maintaining inventory levels of up to $10 million. Ensured profitability through detailed expense controls, effective inventory ordering, sell through, and handling.

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  US Navy

  • Electronics Technician

    • Sep 1992 - Feb 1997

    Maintained and repaired HF communications, EHF satellite communications equipment, and crypto logic equipment.Responsible for the performance and training of eight personnel.