Experience

Sunstone Credit

• United States
• Financial Services
• 1 - 100 Employee

• Commercial Underwriter

  • Feb 2023 - Present



JPMorgan Chase & Co.

• United States
• Financial Services
• 700 & Above Employee

• Consultant

  • Oct 2022 - Feb 2023



NewtekOne (NASDAQ: NEWT)

• United States
• Financial Services
• 200 - 300 Employee

• Vice President, Underwriting

  • Apr 2021 - Oct 2022



Renasant Bank

• United States
• Banking
• 700 & Above Employee

• Vice President, Senior Underwriting Officer

  • Apr 2020 - Apr 2021



F.N.B. Corporation

• United States
• Financial Services
• 700 & Above Employee

• Underwriter

  • 2019 - Jan 2020

  ● Delivers thorough financial analysis, identifies any deviation of loan policy, and provides timely underwriting of new customers to make proper credit recommendations o In this role, I specialize in large, complex loan facilities, typically with syndicated credits in the leverage, business development, project finance, and renewable energy space(s). o Clients have revenues of $25MM to $1B+, with loans/participations up to $75MM in total facilities of $1.5B. o I help develop the relationship strategy, including structure recommendations as the team gains both client and approver buy-in ● Manages portfolio risk by monitoring the ongoing business activities and financial performance of the customer, including covenant testing, adherence to loan terms and industry analysis o While I typically only work on new credits, I assist the market as needed for existing portfolio reviews ● Mentors / Trains all other credit analysts/underwriters in market o This includes first time employees, and legacy workers who only worked on smaller size loans. o I work to understand the individual, in order to best dispense advice. ● Leads numerous special projects, utilizing my wide experiences, I have been assigned to a variety of projects to help make credit tools and decisions more uniform Show less



Fifth Third Bank

• United States
• Financial Services
• 700 & Above Employee

• Portfolio Manager III-Leveraged Finance Credit

  • 2017 - 2018

  •Manages a portfolio of over $450MM in leveraged loans as an active and visible participant in syndications, single bank facilities and club deals. • Numerous industries serviced, including food and beverage, technology, rail, construction, and retail with company revenues ranging from $60MM to $2B annually, with loan facilities upwards of $75MM. •Leads customer calls in order to make direct inquiries for specific information, present findings, and to keep customers/partners appraised on timeline, while actively recommending strategies to follow. • Manages portfolio risk by monitoring the ongoing business activities and financial performance of the customer, including covenant testing, adherence to loan terms and industry analysis. • Delivers thorough financial analysis that identifies any deviations from the company Loan Policy and offers recommendations to structure the deal • Maintains strong records of customer, in order to best provide cross-sell opportunities, and to ensure quick loan turnaround times. • Manages a variety of large, complex loan facilities, including foreign exchange, interest rate and commodity derivatives. • Determines enterprise valuation for prospective and current customers to help assess the health of the portfolio, by using current industry and peer trends. As a specialist in this field for the Bank, I was assigned evaluations for deals across the footprint. Show less



TD

• Canada
• Banking
• 700 & Above Employee

• Credit Analyst III, Assistant Vice President

  • Feb 2014 - Jan 2017

  • Experienced in the following types of lending: C&I, CRE, SBA, START-UP, FRANCHISE, MUNICIPAL, CRA and WEALTH• Executed underwriting for CRE deals $20MM+, C&I deals $15MM+ and for companies with revenues over $100MM. • Completed a one year rotational program in the Small Business Administration (SBA) department. Acts as Employee Resource for team for SBA, CRA, and Franchise Lending. • Participates in Customer meetings to make direct inquiries for specific information, while speaking directly to company personnel from CEO's to department heads to CPA's. • Personally manages loan relationships within the group, which includes setting up timelines for annual review, ensuring ACH limits are properly set, combing over for cross sell opportunities, including Commercial Credit Cards, Retail Banking products, Wealth Products.• Ensures accuracy and maintenance of Customer records and files and updates information as needed. Prepares the most in-depth management reports summarizing portfolio activity• Administered technical underwriting leadership for commercial department junior analysts.• Trained seven analysts and continues to mentor on a regular basis.• Elicited underwriting analysis of Borrower's character, credit worthiness and financial condition and directed the loan origination process.• Enforced insightful and timely approval memorandums for presentation to appropriate lending and credit authorities. • Delivered written analysis that identifies any deviations from the Company Commercial Loan Policy and becomes familiar with alternative structures in order to reduce credit risk. • Prepared complete written analysis with appropriate recommendations for approval, denial and alternative structure when necessary. Show less

• Commercial Credit Analyst II

  • Jan 2013 - Jan 2014

  • Analyzed financial statements, management profiles, business and product cycles, cash flow ability, collateral, agings, etc. of future and existing Customers to identify trends, measure performance, assess financial strength and develop an assessment of credit risk. • Maintained credit files, monitored data such as updated financial statements and prepared updated analysis memos. • Consulted industry specific information from outside sources, which included conversation with Borrowers, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the Internet.• Monitored compliance with regulatory requirements. • Achieved operational performance standards in quality and timeliness.• Displayed strong understanding of loan risk factors. • Demonstrated ability to independently gather, consolidate, analyze and summarize data to provide well-considered recommendations for all levels of commercial credit relationships. Show less

• Commercial Credit Analyst I

  • Apr 2011 - Dec 2012

  • Demonstrated the ability to identify and quantify subtle business risks and the identify key drivers of risk while focusing discussions accordingly. • Strengthened effective time management skills. • Spearheaded excellent written and oral communication skills. • Exemplified proper research and analytical skills. • Exhibited self-confidence at all levels of conversation with the ability to defend analytical decisions.



National Penn

• Financial Services
• 200 - 300 Employee

• Assistant Branch Manager

  • Feb 2010 - Mar 2011

  Despite my title being Assistant Branch Manager, I was the "de-facto" manager in charge as the Branch Manager left and was not replaced during my leadership. • Generated branch efficiency and success through risk management, adherence to SOX/audit requirements, financial reporting and through both deposit and loan growth; Branch deposit growth of 250%+ ($3MM to $11MM); Branch loan growth: 300%+ ($250M to $1.1MM); in 1 year• Directed superior sales service to customers through cross-selling, follow-up and genuine care and respect• Managed operations of branch, including budgeting, sales calls, and GL balancing through Branch Imaging. • Oversaw young staff to meet and exceed required goals set forth by the bank, including growth of products from 1.1 products per customer to 3.8 in 1 year Show less

• Credit Analyst

  • Jun 2008 - Jan 2010

  • Completed the financial review including analysis of financial statements, collection of industry information, determining debt service ability, recognizing apparent and hidden risks• Achieved efficiency in an ever-changing regulatory atmosphere to understand and implement new policies and to prepare documents for approval

• Financial Service Representative II

  • Jun 2006 - Dec 2009

  • I worked as Financial Service Representative II in Boyertown PA after performing duties full-time while attending college, working as “Weekend Manager” after earning starting as Credit Analyst in June 2008.• Opened accounts, Instructed ongoing compliance and learning objectives, and mediated customer issues • Cross-selling of other services• Ensured safe environment and customer satisfaction• My services were "loaned" out to different areas of the bank when help was needed. This includes working in the call center, working in different branches around the Bank network, working in various back-office departments, including commercial operations, Show less

• Investment Services Intern

  • Aug 2007 - Dec 2007

  • Worked in a fast-paced, team-oriented investment operations center• Performed auditory functions • Led project to turn division paperless through imaging.• Shadowed Financial Advisers while meeting with prospective clients and existing customers

• Financial Service Representative I

  • Jun 2004 - May 2006

  • Assisted in opened accounts, • Aided in cross-selling of other services• Ensured safe environment and customer satisfaction