Experience

Pathward

• United States
• Financial Services
• 500 - 600 Employee

• Commercial Credit Review Officer

  • Mar 2022 - Present



Pilot, a part of LMCU

• United States
• Banking
• 1 - 100 Employee

• Senior Credit Analyst

  • Feb 2020 - Nov 2021

  SBA 7(a) and 504, conventional commercial and industrial, commercial real estate. SBA 7(a) and 504, conventional commercial and industrial, commercial real estate.



Seacoast Bank

• United States
• Banking
• 700 & Above Employee

• VP Senior Commercial Underwriter

  • May 2018 - Feb 2019

  Responsibilities include new business underwriting, portfolio review, modifications and RLOC renewals. Loan types include ABL, Commercial Real Estate, Commercial C&I, Aircraft and Marine. Approval authority: $2,000,000 • Analyzed global financial information for new loan requests, renewals/modifications, and existing borrowers to drive the credit decision making process. These analyses led to correct lending decisions on loans beyond credit authority including $5,000,000 aircraft purchase… Show more Responsibilities include new business underwriting, portfolio review, modifications and RLOC renewals. Loan types include ABL, Commercial Real Estate, Commercial C&I, Aircraft and Marine. Approval authority: $2,000,000 • Analyzed global financial information for new loan requests, renewals/modifications, and existing borrowers to drive the credit decision making process. These analyses led to correct lending decisions on loans beyond credit authority including $5,000,000 aircraft purchase, $3,000,000 RLOC to building supply company and $4,000,000 marine purchase. • Conducted detailed analyses for trends, ratios and cash flow. Authored and presented insightful, accurate credit memorandum providing a detailed evaluation of all risks to senior management. • Collaborated with project manager to identify a list of loan policy violations to be programmed into an online approval template. This shortened the time required to review large loan requests and ensure appropriate statutes and regulations are followed. Show less Responsibilities include new business underwriting, portfolio review, modifications and RLOC renewals. Loan types include ABL, Commercial Real Estate, Commercial C&I, Aircraft and Marine. Approval authority: $2,000,000 • Analyzed global financial information for new loan requests, renewals/modifications, and existing borrowers to drive the credit decision making process. These analyses led to correct lending decisions on loans beyond credit authority including $5,000,000 aircraft purchase… Show more Responsibilities include new business underwriting, portfolio review, modifications and RLOC renewals. Loan types include ABL, Commercial Real Estate, Commercial C&I, Aircraft and Marine. Approval authority: $2,000,000 • Analyzed global financial information for new loan requests, renewals/modifications, and existing borrowers to drive the credit decision making process. These analyses led to correct lending decisions on loans beyond credit authority including $5,000,000 aircraft purchase, $3,000,000 RLOC to building supply company and $4,000,000 marine purchase. • Conducted detailed analyses for trends, ratios and cash flow. Authored and presented insightful, accurate credit memorandum providing a detailed evaluation of all risks to senior management. • Collaborated with project manager to identify a list of loan policy violations to be programmed into an online approval template. This shortened the time required to review large loan requests and ensure appropriate statutes and regulations are followed. Show less



Flagship Bank

• United States
• Banking
• 1 - 100 Employee

• A.V.P./Senior Credit Analyst

  • Sep 2013 - Feb 2018

  Conduct analysis on all applicant/borrowers both corporate and individual. Determine cash flow, debt service and compliance with internal and regulatory policies and statutes. Conduct cash flow analysis on all Shared National Credits, commercial real estate and C & I transactions both existing and proposed. Conduct analysis on all applicant/borrowers both corporate and individual. Determine cash flow, debt service and compliance with internal and regulatory policies and statutes. Conduct cash flow analysis on all Shared National Credits, commercial real estate and C & I transactions both existing and proposed.



Florida Bank

• Tampa/St. Petersburg, Florida Area

• Vice President, Sr. Commercial Underwriter

  • Apr 2011 - Jul 2013

  Conduct analysis on all applicant/borrowers both corporate and individual. Determine cash flow, debt service and compliance with internal and regulatory policies and statutes. Conduct cash flow analysis on all commercial real estate and C & I transactions both existing and proposed. Conduct analysis on all applicant/borrowers both corporate and individual. Determine cash flow, debt service and compliance with internal and regulatory policies and statutes. Conduct cash flow analysis on all commercial real estate and C & I transactions both existing and proposed.



First Kensington Bank/Superior Bank

• Tampa, FL

• Senior Credit Analyst

  • 2004 - 2011

  Analysis on all applicant/borrowers both corporate and individual. Conduct cash flow analysis on all commercial real estate and C & I transactions both existing and proposed. Conduct annual risk assessment on all existing concentrations of credit in excess of $1MM. Commercial and residential appraisal review. Analysis on all applicant/borrowers both corporate and individual. Conduct cash flow analysis on all commercial real estate and C & I transactions both existing and proposed. Conduct annual risk assessment on all existing concentrations of credit in excess of $1MM. Commercial and residential appraisal review.



AmSouth Bank

• Clearwater, FL

• Relationship Representative Healthcare Banking Group

  • 2001 - 2004

  Assist in development of new business, qualification and creditworthiness of prospects. Portfolio management of existing relationships in the Clearwater office. Take part in customer calls. Analyze financial data, client needs, profitability and quality of relationship Assist in development of new business, qualification and creditworthiness of prospects. Portfolio management of existing relationships in the Clearwater office. Take part in customer calls. Analyze financial data, client needs, profitability and quality of relationship



Madison Bank

• Palm Harbor, FL

• Credit Administration Manager

  • 2000 - 2001

  Manage loan-servicing department supervising 4 person staff. General ledger account reconciliation. Collect past due commercial and residential loans. Serve as liaison with external credit review personnel, regulatory authorities, and secondary market entities including FNMA, FHLMC, SBA and various software vendors. Manage loan-servicing department supervising 4 person staff. General ledger account reconciliation. Collect past due commercial and residential loans. Serve as liaison with external credit review personnel, regulatory authorities, and secondary market entities including FNMA, FHLMC, SBA and various software vendors.



Bank of America Mortgage

• Clearwater, FL

• Senior Underwriter

  • 1999 - 2000

  Issued loan approvals or denials while providing full array of FNMA/FHLMC and CRA products. Trained and supervised account executives. Issued loan approvals or denials while providing full array of FNMA/FHLMC and CRA products. Trained and supervised account executives.



Mayfair Mortgage Plus, L.L.C./Delphi Mortgage, Inc.

• Tampa, FL

• Correspondent Approval Manager

  • 1996 - 1998

  Analyzed application packages submitted by mortgage banks to determine the feasibility of the purchase and sale of loans on the secondary market. Underwrote full array of subprime and nonconforming products for start-up mortgage banking company with 12 employees. Analyzed application packages submitted by mortgage banks to determine the feasibility of the purchase and sale of loans on the secondary market. Underwrote full array of subprime and nonconforming products for start-up mortgage banking company with 12 employees.



Chase Manhattan Mortgage Corporation

• Boston, MA/Tampa, FL

• Assistant Vice President

  • 1987 - 1996

  Accountable for underwriting and issuing approval or denial of all residential mortgage loan applications submitted by company’s national network of correspondent mortgage banks. Marketed and sold residential mortgage products in the upscale market to professional and business owners/managers. Supervised 125 retail loan officers in 31 markets in the Eastern United States. Other positions included Production Underwriter, Correspondent Division; Area Underwriter; Eastern Area Review Officer… Show more Accountable for underwriting and issuing approval or denial of all residential mortgage loan applications submitted by company’s national network of correspondent mortgage banks. Marketed and sold residential mortgage products in the upscale market to professional and business owners/managers. Supervised 125 retail loan officers in 31 markets in the Eastern United States. Other positions included Production Underwriter, Correspondent Division; Area Underwriter; Eastern Area Review Officer, Quality Control; Deputy Credit Officer, Southeast Region; and Relationship Manager. Show less Accountable for underwriting and issuing approval or denial of all residential mortgage loan applications submitted by company’s national network of correspondent mortgage banks. Marketed and sold residential mortgage products in the upscale market to professional and business owners/managers. Supervised 125 retail loan officers in 31 markets in the Eastern United States. Other positions included Production Underwriter, Correspondent Division; Area Underwriter; Eastern Area Review Officer… Show more Accountable for underwriting and issuing approval or denial of all residential mortgage loan applications submitted by company’s national network of correspondent mortgage banks. Marketed and sold residential mortgage products in the upscale market to professional and business owners/managers. Supervised 125 retail loan officers in 31 markets in the Eastern United States. Other positions included Production Underwriter, Correspondent Division; Area Underwriter; Eastern Area Review Officer, Quality Control; Deputy Credit Officer, Southeast Region; and Relationship Manager. Show less



Coolidge Bank and Trust

• Boston, MA

• Assistant Vice President and Commercial Loan Officer

  • 1986 - 1987

  Responsible for sale of commercial loan and commercial real estate products as well as collection and analysis of data on loan proposals and presentation to executive loan committee for approval. Collection of past due accounts and overdrafts. Responsible for sale of commercial loan and commercial real estate products as well as collection and analysis of data on loan proposals and presentation to executive loan committee for approval. Collection of past due accounts and overdrafts.



Commissioner of Banks Commonwealth of Massachusetts

• Boston, MA

• Principal Bank Examiner

  • 1976 - 1986

  Responsible for the completion of the safety and soundness Report of Examination for state chartered commercial retail, mutual savings and cooperative banks and credit unions. Completed FDIC, NCUA and Federal Reserve safety and soundness Reports of Examination. Responsible for the completion of the safety and soundness Report of Examination for state chartered commercial retail, mutual savings and cooperative banks and credit unions. Completed FDIC, NCUA and Federal Reserve safety and soundness Reports of Examination.