Christopher M. Ursini Sr.
Senior Vice President and Deputy Chief Credit Officer at Patriot Bank, N.A.- Claim this Profile
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Bio
Credentials
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School Business Administrator
State of ConnecticutApr, 2016- Nov, 2024
Experience
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Patriot Bank, N.A.
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United States
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Banking
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100 - 200 Employee
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Senior Vice President and Deputy Chief Credit Officer
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Apr 2023 - Present
Lead, support, create, improve and participate as a Team Leader or Team Member for Credit Administration and Underwriting, Loan Workout and Special Assets, Appraisal and Environmental Review, CECL/Q-Factor and Impairment Analysis, Workflow Application to Closing, Loan Operations enhancements, Government Guaranteed Loan Administration, Specialized Lending/Purchase Loans or Note Sales, Business Intelligence and Reporting as well as other Cross Departmental responsibilities. Lead, support, create, improve and participate as a Team Leader or Team Member for Credit Administration and Underwriting, Loan Workout and Special Assets, Appraisal and Environmental Review, CECL/Q-Factor and Impairment Analysis, Workflow Application to Closing, Loan Operations enhancements, Government Guaranteed Loan Administration, Specialized Lending/Purchase Loans or Note Sales, Business Intelligence and Reporting as well as other Cross Departmental responsibilities.
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Salisbury Bank
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Banking
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100 - 200 Employee
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Vice President and Credit Risk Manager
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Jul 2020 - Apr 2023
Manage the Bank's Special Assets department, Appraisal and Environmental department, Commercial and Residential Construction Management department and the Collections department. Manage the Bank's Special Assets department, Appraisal and Environmental department, Commercial and Residential Construction Management department and the Collections department.
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People's United Bank, N.A.
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United States
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Financial Services
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700 & Above Employee
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Vice President & Loan Resolution Officer
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Oct 2018 - Jul 2020
C&I Middle Market and CRE Loan Workout C&I Middle Market and CRE Loan Workout
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Farmington Bank
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United States
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Banking
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1 - 100 Employee
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Risk Management Officer & Vice President
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2010 - Jan 2019
Recruited into this newly created position of a dual role of Risk Management within Credit Risk and Special Assets Officer with the Special Assets Department. Risk Management primary functions include order, review and opine on all commercial real estate valuations, completion of valuation library/data base and employ said library/data base for internal valuations for new loans as well as annual portfolio management valuation reviews; Sole responsibility for all environmental risk including… Show more Recruited into this newly created position of a dual role of Risk Management within Credit Risk and Special Assets Officer with the Special Assets Department. Risk Management primary functions include order, review and opine on all commercial real estate valuations, completion of valuation library/data base and employ said library/data base for internal valuations for new loans as well as annual portfolio management valuation reviews; Sole responsibility for all environmental risk including Phase 1, 2 and engineering remediation activities of ordering, review and opine on final reports including retail branch locations. Develop and manage ALLL methodology and analysis, Stress Testing Commercial and Residential real estate portfolios as well as risk Core System Business Intelligence, Management Information Reporting and compliance support. Special Assets primary functions continued a strong career of all facets of multi-credit facility relationships in loan work out, liquidations and troubled debt restructures to maximize recovery efforts including high net worth residential work outs. Multiple direct reporting responsibilities to Credit Risk Manager, Special Assets Manager and Chief Risk Officer including presentations to Management Loan Committee and Board of Directors. Show less Recruited into this newly created position of a dual role of Risk Management within Credit Risk and Special Assets Officer with the Special Assets Department. Risk Management primary functions include order, review and opine on all commercial real estate valuations, completion of valuation library/data base and employ said library/data base for internal valuations for new loans as well as annual portfolio management valuation reviews; Sole responsibility for all environmental risk including… Show more Recruited into this newly created position of a dual role of Risk Management within Credit Risk and Special Assets Officer with the Special Assets Department. Risk Management primary functions include order, review and opine on all commercial real estate valuations, completion of valuation library/data base and employ said library/data base for internal valuations for new loans as well as annual portfolio management valuation reviews; Sole responsibility for all environmental risk including Phase 1, 2 and engineering remediation activities of ordering, review and opine on final reports including retail branch locations. Develop and manage ALLL methodology and analysis, Stress Testing Commercial and Residential real estate portfolios as well as risk Core System Business Intelligence, Management Information Reporting and compliance support. Special Assets primary functions continued a strong career of all facets of multi-credit facility relationships in loan work out, liquidations and troubled debt restructures to maximize recovery efforts including high net worth residential work outs. Multiple direct reporting responsibilities to Credit Risk Manager, Special Assets Manager and Chief Risk Officer including presentations to Management Loan Committee and Board of Directors. Show less
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Webster Bank
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United States
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Banking
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700 & Above Employee
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Vice President
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Jan 2008 - Feb 2009
Recruited into this newly created position. Primary function is to manage business commercial and industrial credit facilities, revolving lines of credit, venture capital and/or equity positions, related commercial real estate credit facilities and construction loans. Relationships typically have a combined value of $5 million or more. Majority of relationships are family-owned and operated businesses, with some small publicly traded companies, participations in shared national credits and… Show more Recruited into this newly created position. Primary function is to manage business commercial and industrial credit facilities, revolving lines of credit, venture capital and/or equity positions, related commercial real estate credit facilities and construction loans. Relationships typically have a combined value of $5 million or more. Majority of relationships are family-owned and operated businesses, with some small publicly traded companies, participations in shared national credits and direct equity investments. Report directly to the Special Assets/Chief Administration Officer and indirectly to the Chief Credit Risk Officer. • Devise and execute appropriate strategies to maximize value for the bank and client relationship, including business turnarounds, business valuations, sale as ongoing concerns, Chapter 11 bankruptcy reorganizations and a redeployment of business assets and personnel. • Consult, as requested, with the Wealth Management Group on Trust and Specialty Assets matters. Show less Recruited into this newly created position. Primary function is to manage business commercial and industrial credit facilities, revolving lines of credit, venture capital and/or equity positions, related commercial real estate credit facilities and construction loans. Relationships typically have a combined value of $5 million or more. Majority of relationships are family-owned and operated businesses, with some small publicly traded companies, participations in shared national credits and… Show more Recruited into this newly created position. Primary function is to manage business commercial and industrial credit facilities, revolving lines of credit, venture capital and/or equity positions, related commercial real estate credit facilities and construction loans. Relationships typically have a combined value of $5 million or more. Majority of relationships are family-owned and operated businesses, with some small publicly traded companies, participations in shared national credits and direct equity investments. Report directly to the Special Assets/Chief Administration Officer and indirectly to the Chief Credit Risk Officer. • Devise and execute appropriate strategies to maximize value for the bank and client relationship, including business turnarounds, business valuations, sale as ongoing concerns, Chapter 11 bankruptcy reorganizations and a redeployment of business assets and personnel. • Consult, as requested, with the Wealth Management Group on Trust and Specialty Assets matters. Show less
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UPS Capital®
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United States
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Insurance
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700 & Above Employee
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Director, Special Assets
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Feb 1996 - Mar 2008
Directed a staff of up to seven in three departments: Special Assets, Appraisal Review and Environmental Review. Primary function was the management of a $200 million portfolio of distressed credit facilities nationwide, primarily commercial, industrial and business acquisition loans of B credit borrowers. Loans included both government guaranteed and non government guaranteed. Personally managed a portfolio averaging $50 million, comprised of the highest risk credit facilities.… Show more Directed a staff of up to seven in three departments: Special Assets, Appraisal Review and Environmental Review. Primary function was the management of a $200 million portfolio of distressed credit facilities nationwide, primarily commercial, industrial and business acquisition loans of B credit borrowers. Loans included both government guaranteed and non government guaranteed. Personally managed a portfolio averaging $50 million, comprised of the highest risk credit facilities. Reported to the President and Chief Credit Officer. Evaluated the credit risk of entire portfolio and individual accounts. Assessed the viabilities of the business, including review of management personnel, cost structure, product line evaluation and pricing. Made decisions regarding additional capital infusions, organizational restructuring, sale of businesses as going concerns, and asset liquidation. Trained, mentored and evaluated staff to maximize recovery and comply with all regulatory and statutory requirements. • Averaged $55 million in gross collections annually. • Maintained $10 million in performing loans annually • Performed under budget every year for legal and administrative costs. • Consistently achieved an average expense of 4-6% of loan dollar value amount. • Built a cohesive, high performance staff with zero turnover during tenure. Vice President, Mid-Market and Small Business Loans – First National Bank of New England (1995-1999) Maintained a portfolio of accounts consisting of both Mid-Market and Small Business loans. Underwrote new loans with existing clients, managed a small group of Asset Managers responsible for all loan modifications, restructures and orderly liquidations. • Created the Mid-Market, Small Business Loan, SBA and USDA Loan Restructures and Liquidations Department. • Developed and implemented internal policies and procedures to conform to regulatory and SBA guidelines. Show less Directed a staff of up to seven in three departments: Special Assets, Appraisal Review and Environmental Review. Primary function was the management of a $200 million portfolio of distressed credit facilities nationwide, primarily commercial, industrial and business acquisition loans of B credit borrowers. Loans included both government guaranteed and non government guaranteed. Personally managed a portfolio averaging $50 million, comprised of the highest risk credit facilities.… Show more Directed a staff of up to seven in three departments: Special Assets, Appraisal Review and Environmental Review. Primary function was the management of a $200 million portfolio of distressed credit facilities nationwide, primarily commercial, industrial and business acquisition loans of B credit borrowers. Loans included both government guaranteed and non government guaranteed. Personally managed a portfolio averaging $50 million, comprised of the highest risk credit facilities. Reported to the President and Chief Credit Officer. Evaluated the credit risk of entire portfolio and individual accounts. Assessed the viabilities of the business, including review of management personnel, cost structure, product line evaluation and pricing. Made decisions regarding additional capital infusions, organizational restructuring, sale of businesses as going concerns, and asset liquidation. Trained, mentored and evaluated staff to maximize recovery and comply with all regulatory and statutory requirements. • Averaged $55 million in gross collections annually. • Maintained $10 million in performing loans annually • Performed under budget every year for legal and administrative costs. • Consistently achieved an average expense of 4-6% of loan dollar value amount. • Built a cohesive, high performance staff with zero turnover during tenure. Vice President, Mid-Market and Small Business Loans – First National Bank of New England (1995-1999) Maintained a portfolio of accounts consisting of both Mid-Market and Small Business loans. Underwrote new loans with existing clients, managed a small group of Asset Managers responsible for all loan modifications, restructures and orderly liquidations. • Created the Mid-Market, Small Business Loan, SBA and USDA Loan Restructures and Liquidations Department. • Developed and implemented internal policies and procedures to conform to regulatory and SBA guidelines. Show less
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Education
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1978 - 1982
University of Connecticut
BS, Natural Resource Management
Community
