Experience

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  BankUnited

  • Hunt Valley, MD

  • SVP & Senior Credit Officer | Bridge Capital Leasing

    • Nov 2014 - Apr 2016
    • Hunt Valley, MD

    BankUnited, N.A., a wholly-owned subsidiary of BankUnited, Inc., is one of the largest independent depository and lending institutions headquartered in Miami Lakes, Florida based on assets. BankUnited serves businesses and consumers through over 100 branches in Florida and 6 banking centers in New York. BankUnited has more than $19 billion in assets and is one of the most well-capitalized banks in America. In 2015, Forbes ranked BankUnited as the 3rd best bank in the U.S.Bridge Capital Leasing, a BankUnited subsidiary, located in Hunt Valley, MD, specializes in equipment leasing to mid-market and Fortune 500 companies. Equipment types: railcar; helicopters, barges and tugs; construction equipment; truck & trailers; computer equipment, etc. Sizes range from $1MM to $100MM. I am hiring Risk Analysts (5+ years underwriting experience) and Senior Risk Analysts (10+ years underwriting experience); preferably in the equipment leasing industry. If you are interested please send your resume to CmihalicBankUnited.com . No phone calls, please.

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  General Electric

  • Manager, Workout/Recovery

    • Jul 2009 - Nov 2014

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  General Electric

  • Senior Risk Manager

    • Jan 2001 - Jan 2009

    Directed the activities of a 15 person Risk and Operations team while continuously driving the division's growth goals and objectives; including underwriting and funding $843 million of new business, generating fees of $5.6 million, and restructuring assets that generated over $20 million in net income in 2007. Signing authority of $30 million. Key executive of the management team that established and implemented a new organizational vision of becoming a "Center of Excellence" within GECC for the purchase of 3rd party paper. Using Lean and Six Sigma, strategically changed the division's internal culture, organizational structure, internal processes and procedures while controlling costs and driving the division's growth goals.

  • Senior Risk Manager

    • 2001 - Jan 2009

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  Reservoir Capital Corporation

  • Chief Credit Officer

    • 1998 - 2000

    Reporting directly to the President managed 10 professional direct reports who were accountable for managing the risk functions including portfolio management, customer service, underwriting, legal documentation, loan closings, field examinations and work-outs for this middle market asset based lending and inventory financing company.

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  CIT Corporation (AKA AT&T Capital Corporation)

  • Director, Commercial Fleet

    • 1994 - 1998

    Designed and managed the newly acquired commercial fleet's credit, contracts, cash application, insurance, collections and restructure areas. Implemented processes and oversaw activities of an 8 person team to maintain consistent quality of the commercial fleet lease porfolio consisting of middle market and Fortune 500 companies. Co-author of one of the vehicle leasing industry's first commercial credit scoring models for pre-approved lines of credit for small businesses.

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  American Banking Services

  • Vice President

    • 1989 - 1992

    Led the formation of this start-up company; purchasing and servicing equipment lease and loan portfolios through the Resolution Trust Corporation from distressed savings and loan companies. Approved RTC contractor. Effectively developed financial analysis and cash flow models used to determine the Fair Market Value of portfolios held by the RTC.

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  Bank of America (AKA Equitable Bank)

  • Vice President - Risk Officer

    • 1985 - 1989

    Managed departmental operations for Risk, Credit Services and the Executive Management Training Program with a staff of 70 employees. Served as a member of the bank's Loan Committee. Speaheaded key process redesign initiatives; inculding the Executive Management Program, which received recognition as the best program of its kind in the region.

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  Commercial Credit Company

  • Sales Representative

    • 1980 - 1985

    Consistently met target objectives and earned the President's Award each year. Funded leases and loans to middle market and Fortune 500 companies. Products included: leverage leaves, single investor leases, preferred stock loans and lease discounting. Equipment types: marine, transportation, rail, corporate aircraft, construction and technology.

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  Commercial Credit Corporation

  • Vice President - Credit Analyst

    • 1974 - 1981