Experience

Community First Fund

• United States
• Banking
• 1 - 100 Employee

• Commercial Lending Team Leader, Vice President

  • Oct 2022 - Present

  Greater Philadelphia

• Commercial Lender, Vice President

  • Oct 2021 - Oct 2022

  Business Development. Responsible for generating business loans by focusing on developing new business and deepening existing relationships. Use sound judgment in qualifying potential clients/deals as well as recommending the right financial solutions/products for the client. Ensure clients meet credit/compliance criteria before submitting to centralized credit for approval. • Through extensive involvement, create local community awareness that the bank is critically focused on… Show more Business Development. Responsible for generating business loans by focusing on developing new business and deepening existing relationships. Use sound judgment in qualifying potential clients/deals as well as recommending the right financial solutions/products for the client. Ensure clients meet credit/compliance criteria before submitting to centralized credit for approval. • Through extensive involvement, create local community awareness that the bank is critically focused on partnering in the community and providing broad, multi-product banking solutions to companies housed in the marketplace. • Portfolio Management: Managed a portfolio of clients; Portfolio grow by prospecting for new clients by networking with CPA’s, lawyers, brokers and Chambers of Commerce, telemarketing and cold calling. And, deepening relationships with existing clients by setting up portfolio review meetings to uncover opportunities. Credit administration and client service. Maintains portfolio delinquency rate within established guidelines. Completes periodic loan reviews and recommends potential watch list loans. Develops action plans for problem loan workouts including restructuring. • Full Underwriting: Structures and negotiates complex loans and/or agreements to include the terms, pricing, special conditions, and interest rates for commercial loans. And, underwriting new requests, renewals, and restructures of existing loans. SBA 7(a) 504 and Bond financing.



Morgan Stanley

• United States
• Financial Services
• 700 & Above Employee

• Relationship Manager Ultra High Net Worth

  • 2020 - Nov 2021

  • Working as part of a team assigned to a Complex level coverage to structure, originating and fulfilling residential mortgage loans. • Providing comprehensive reviews and recommendations regarding credit risk of ultra-high net worth clients (complex income, asset and vesting scenarios). • Acting as the main point of contact for clients, Financial Advisors, and Private Bankers throughout the mortgage lending process. • Managing loan pipelines of Non-Conforming loans for ultra-high net… Show more • Working as part of a team assigned to a Complex level coverage to structure, originating and fulfilling residential mortgage loans. • Providing comprehensive reviews and recommendations regarding credit risk of ultra-high net worth clients (complex income, asset and vesting scenarios). • Acting as the main point of contact for clients, Financial Advisors, and Private Bankers throughout the mortgage lending process. • Managing loan pipelines of Non-Conforming loans for ultra-high net worth clients. • Proactively managing loan escalations as needed to ensure a timely resolution while providing an enhanced client experience. • Actively demonstrating outstanding client service skills and having the ability to differentiate service offerings as applicable and appropriate. • Ensuring alignment with all parties to the transaction and ensure transaction is moving through the various originations process efficiently and with quality. • Demonstrating the ability to multi task while balancing a pipeline and client escalations. • Acting as the escalation point for issues involving client experience and satisfaction and providing timely and comprehensive solutions. • Coordinating with business partners to complete fulfillment and ensuring timeliness in closing dates. • Actively ensuring compliance with all policies and regulations. • Identifying operational inefficiencies that arise as part of the team dynamic and suggesting process improvements. • Assisting in the design and development of fulfillment operations, documenting procedures, testing, training and recruitment efforts. • Participating in initiatives to improve client experience and assisting to improve overall FA/PB usage. Show less



Truist

• United States
• Financial Services
• 700 & Above Employee

• Relationship Manager

  • 2017 - 2020

  Baltimore, Maryland Area • Business Development. Responsible for generating business loans and deposits by focusing on developing new business and deepening existing relationships. Use sound judgment in qualifying • g potential clients/deals as well as recommending the right financial solutions/products for the client. Ensure clients meet credit/compliance criteria before submitting to centralized credit for approval. • Through extensive involvement, create local community awareness that the bank is critically… Show more • Business Development. Responsible for generating business loans and deposits by focusing on developing new business and deepening existing relationships. Use sound judgment in qualifying • g potential clients/deals as well as recommending the right financial solutions/products for the client. Ensure clients meet credit/compliance criteria before submitting to centralized credit for approval. • Through extensive involvement, create local community awareness that the bank is critically focused on partnering in the community and providing broad, multi-product banking solutions to companies housed in the marketplace. • Participates in branch meetings to develop a strong partnership with retail branches to increase the volume of business loan referrals from the retail network. In addition, to networking with CPA’s, lawyers, brokers and Chambers of Commerce, community leaders, telemarketing and cold calling. • Portfolio Management: Managed a portfolio of clients; Able to grow portfolio of 80 clients with 29 million dollars in credit. Portfolio grow by prospecting for new clients by networking with CPA’s, lawyers, brokers and Chambers of Commerce, telemarketing and cold calling. And, deepening relationships with existing clients by setting up portfolio review meetings to uncover opportunities. Credit administration and client service. Maintains portfolio delinquency rate within established guidelines. Completes periodic loan reviews and recommends potential watch list loans. Develops action plans for problem loan workouts including restructuring. • Full Underwriting: Structures and negotiates complex loans and/or agreements to include the terms, pricing, special conditions, and interest rates for commercial loans. And, underwriting new requests, renewals, and restructures of existing loans. Show less



Amalgamated Bank

• United States
• Banking
• 300 - 400 Employee

• Team Leader VP

  • Jan 2015 - Dec 2016

  Greater New York City Area • Responsible for developing new business, client satisfaction and relationship profitability, while providing business customers with single point of contact within the bank. • Use sound judgment in qualifying potential customers/deals as well as recommending the right financial solutions/products for the customer. Ensure customers meet credit/compliance criteria before submitting to centralized credit for approval. • Prepares new loans and renewal of loans requests for approval. As… Show more • Responsible for developing new business, client satisfaction and relationship profitability, while providing business customers with single point of contact within the bank. • Use sound judgment in qualifying potential customers/deals as well as recommending the right financial solutions/products for the customer. Ensure customers meet credit/compliance criteria before submitting to centralized credit for approval. • Prepares new loans and renewal of loans requests for approval. As well as, closing of new and renewal loans requests. • Partner with other Bank businesses (Retail Banking, Treasury, Investments, etc.) to ensure ongoing and appropriate communication to support overall client and franchise objectives. • Maintain frequent interaction with centers of influence, diverse industry segments, community leaders, regulators, and senior business contacts. • Through extensive involvement, create local community awareness that the bank is critically focused on partnering in the community and providing broad, multi-product banking solutions to the companies housed in the marketplace. • Develops new-to-bank business relationships as well as cross-marketing of services to existing clients through segment-based sales plans to achieve revenue growth targets and maximize operating capabilities and profitability. • Serves the banking needs of businesses up to $20MM in revenue with credit needs up to $4MM. • Sales production: $8.3MM in credit and $5.1MM in deposits. Show less



Santander Bank, N.A.

• United States
• Banking
• 700 & Above Employee

• Relationship Manager, VP

  • Oct 2012 - Sep 2014

  • Leads new business development for the branches in the cluster. Also, manage a portfolio of clients; grow portfolio by prospecting for new clients and deepening relationships with existing clients. • Ability to develop a strong partnership with the assigned retail branches to promote the increase in driving business loans, lines, leasing, balances, CRE, SBA loans, cash management, and increasing revenues. • Develops markets and administers demand and time deposits, existing loans… Show more • Leads new business development for the branches in the cluster. Also, manage a portfolio of clients; grow portfolio by prospecting for new clients and deepening relationships with existing clients. • Ability to develop a strong partnership with the assigned retail branches to promote the increase in driving business loans, lines, leasing, balances, CRE, SBA loans, cash management, and increasing revenues. • Develops markets and administers demand and time deposits, existing loans, lines, and cross sells related banking accounts and services. • Proven ability to develop relationships with the appropriate decision makers within the clients and internal partners as well. Show less



Valley Bank

• United States
• Banking
• 700 & Above Employee

• Business Banker

  • Oct 2003 - Feb 2010

  • Led new business development and cross-selling of all bank products including commercial loans, business lines of credits, deposits, and cash management tools. • Also, responsible for evaluating, analyzing, and pre-qualifying commercial potential clients. • Monitored and maintained commercial portfolio to preserve and grow market share. • Proven ability to build relationships with clients and internal partners and influence others without direct control



North Jersey Media Group

• United States
• Book and Periodical Publishing
• 200 - 300 Employee

• District Manager

  • Jul 1986 - Dec 1999

  Hackensack, New Jersey • Managed 3 circulation supervisors. • Increased circulation of newspapers, weeklies, and magazines in 22%. As well as, distribution, sales, and customer service. • Recruited, hired, and trained supervisors and distributors. Managed a team of 55 distributors within a district assigned. • Sales and service recognition in 7 occasions out of 10.