Experience

Reading Cooperative Bank
• United States
• Banking
• 1 - 100 Employee
• AVP, Commercial Portfolio Manager

  • Aug 2022 - Present

Cambridge Trust Company
• United States
• Banking
• 300 - 400 Employee
• AVP, Portfolio Manager

  • Jan 2018 - Jun 2022

First Commons Bank
• United States
• Banking
• AVP, Portfolio Manager

  • Oct 2014 - Jan 2018


Commerce Bank & Trust Company

• United States
• Banking
• 1 - 100 Employee

• Commercial Credit Analyst

  • May 2013 - Sep 2014

  • Responsible for all aspects of underwriting commercial, industrial and real estate loans • Spread and analyze borrowers’ corporate financial statements • Identify key risks and mitigants for proposed new money requests and existing credit relationship reviews • Present credit analysis, debt service coverage ratios, collateral analysis, personal guarantors’ analysis, risk rating justification, and covenant compliance in executive memos to the Loan Committee • Review and analyze appraisals of real estate properties, and derive own property market value estimates using sales comparable and income capitalization approaches • Contact borrowers directly, via phone calls or site visits, for additional information and details related to loan requests • Expertise with SBA 504 loans Show less



TD Bank

• Canada
• Financial Services

• Commercial Credit Analyst

  • Feb 2012 - May 2013

  • Completed TD Bank’s formal nine- week Credit Analyst Training Program • Performed thorough analysis of financial statements, management profiles, business and product life cycles, infrastructure and operations, cash flow ability, collateral, receivables and payables agings, guarantors’ financial stability; tested covenants as part of creating insightful, timely and comprehensive approval documents for presentation to the appropriate lending and credit authorities. • Assessed borrower’s risk ratings (probability of default), and facility risk ratings (loss given default), identified significant policy exceptions and underwriting guidelines exceptions Show less



Philips Healthcare

• Medical Device
• 100 - 200 Employee

• Pricing Consultant

  • Oct 2010 - Oct 2010

  Performed research and analysis of "third party” sales transactions data by geographic market and product type; evaluated transaction price structures, revenues and margins Developed cost savings, price /volume and segmentation analysis Formulated recommendations for margin improvements Performed research and analysis of "third party” sales transactions data by geographic market and product type; evaluated transaction price structures, revenues and margins Developed cost savings, price /volume and segmentation analysis Formulated recommendations for margin improvements



Highland Capital Partners

• United States
• Venture Capital and Private Equity Principals
• 100 - 200 Employee

• Marketing Intern

  • Apr 2010 - Jun 2010

  Collaborated with portfolio companies to encourage their participation in the Highland Career Network initiative Researched and analyzed activities of entrepreneurial and angel communities in Illinois, New York and Maine Responsible for creating weekly Market Intelligence Reports highlighting significant events, market trends, deals and acquisitions across various sectors and geographic markets Researched social media trends, developed and presented recommendations to enhance the firm’s participation in social media outreach Utilized rapport-building skills to initiate relationships in entrepreneurial communities of Boston and New York Show less



Public and Privately Held Russian Enterprises

• Interpreting, Russian/English

  • Jan 2002 - Jan 2009

  Extensive experience working with a broad range of clients, both individual and institutional Engaged in consecutive, simultaneous and conference interpreting styles, Russian/English Translated for the Delegation of the Russian Federation at the Nobel Awards Ceremony in Stockholm, Sweden in 2006 Extensive experience working with a broad range of clients, both individual and institutional Engaged in consecutive, simultaneous and conference interpreting styles, Russian/English Translated for the Delegation of the Russian Federation at the Nobel Awards Ceremony in Stockholm, Sweden in 2006



CellularOne Communications

• United States
• Telecommunications
• 1 - 100 Employee

• Account Executive

  • Sep 1995 - Sep 1998

  Success record of continuously meeting and exceeding sales quotas by 10-50 percent Developed and managed local executive relationships, and provide leadership to the other team members in relation to the Enterprise Business Segment Prepared sales forecasts, account status reports, and recommendations to enhance account growth and revenue potential Engaged critical thinking skills to determine customer needs, offer best available solutions, explore the possibilities for cross-selling and effectively close the sale Show less