Experience

United Trust Bank

• United States
• Financial Services
• 1 - 100 Employee

• Head of Commercial Lending

  • Dec 2020 - Present

  United States



Parkway Bank & Trust Company

• Banking
• 100 - 200 Employee

• Senior Vice President Franchise Finance

  • Jul 2018 - Nov 2020

  Harwood Heights, Illinois Additional work experience in Assets Based Lending and Franchise Finance.



Huntington National Bank

• United States
• Banking
• 700 & Above Employee

• Franchise Finance Portfolio Manager

  • Jan 2016 - Jun 2018

  Chicago, Illinois



FirstMerit Bank

• United States
• Financial Services
• 700 & Above Employee

• Franchise Finance Portfolio Manager

  • Jan 2016 - Jan 2016

  222 North LaSalle St, suite 1200, Chicago Il



Xerox

• United States
• Business Consulting and Services
• 700 & Above Employee

• Risk Management

  • Mar 2010 - Dec 2015

  Rosemont, IL • Completed the necessary credit assessments to recommend periodic credit renewals to customers. • Reviewed and analyzed financial reports, prepared cash flow model and reviewed credit agencies to support final underwriting recommendations. • Recommended the proper credit structure based on the company’s financial performance, and communicate final recommendations to sales and senior management. • Utilized risk management tools to determine the proper credit risk classifications.… Show more • Completed the necessary credit assessments to recommend periodic credit renewals to customers. • Reviewed and analyzed financial reports, prepared cash flow model and reviewed credit agencies to support final underwriting recommendations. • Recommended the proper credit structure based on the company’s financial performance, and communicate final recommendations to sales and senior management. • Utilized risk management tools to determine the proper credit risk classifications. • Worked with the legal team to update legal documents, as needed, to adhere to the credit recommendations. • Knowledge in reviewing a wide range of business industries including the U.S. government sector. • Successfully recognized for maintaining the portfolio current with 0% past due at all times. Show less



Merrill Lynch

• United States
• Financial Services
• 700 & Above Employee

• Vice President

  • Sep 2004 - Dec 2009

  Greater Chicago Area • Managed a multi-million dollar portfolio of commercial clients located in the Central United States. • Successfully completed underwriting reports, structures and approved credit actions including new credit requests. • Ensured credit decisions met underwriting quality and risk management standards and complied with bank policies and procedures. • Had direct and on-going client contact to obtain additional due diligence information and/or … Show more • Managed a multi-million dollar portfolio of commercial clients located in the Central United States. • Successfully completed underwriting reports, structures and approved credit actions including new credit requests. • Ensured credit decisions met underwriting quality and risk management standards and complied with bank policies and procedures. • Had direct and on-going client contact to obtain additional due diligence information and/or articulate the bank's position on credit approvals or declines. • Volunteered in special projects and took initiatives to achieve objectives within the organization. Show less



JPMorgan Chase & Co.

• United States
• Financial Services
• 700 & Above Employee

• Assistant Vice President

  • Jan 2000 - Sep 2004

  Greater Chicago Area Credit Underwriter for Middle Market Commercial Banking. • Completed the Commercial Banking Development Program (“2003 Credit Program’’) • Reviewed financial statements, applied financial results to cash flow models and credit rating models to complete the necessary credit underwriting and due diligence for customers lines of credit. • Diverse knowledge underwriting in various industries such as, healthcare, technology, real estate, law practices,… Show more Credit Underwriter for Middle Market Commercial Banking. • Completed the Commercial Banking Development Program (“2003 Credit Program’’) • Reviewed financial statements, applied financial results to cash flow models and credit rating models to complete the necessary credit underwriting and due diligence for customers lines of credit. • Diverse knowledge underwriting in various industries such as, healthcare, technology, real estate, law practices, government, and manufacturing. Associate Director – Senior Field Examiner (2000 - 2002) • Performed annual fieldwork for the Asset-Backed Finance division for Bank One Large Corporate. • Visited customer’s office, reviewed accuracy of the customer’s collateral assets, validated covenant compliance to loan agreements, reviewed financial reports and accuracy of other records. • Met with senior management to discuss fieldwork results. • Prepared well written reports for the Bank based on the field work completed. • This position included domestic and international traveling. Show less



Bank of America

• United States
• Banking
• 700 & Above Employee

• Senior Field Examiner

  • Oct 1997 - Jan 2000

  Greater Chicago Area • Responsible for the day-to-day execution of field examinations and provided the results in a written format. • Helped enabling new auditors to become qualified. • Conducted field examinations on complex accounts and new accounts in order to determine their credit qualifications for financing; as well as, determining the adequacy of the collateral, compliance to loan agreements, validity and accuracy of the records. • Interacted with bank peers and management at various levels, to… Show more • Responsible for the day-to-day execution of field examinations and provided the results in a written format. • Helped enabling new auditors to become qualified. • Conducted field examinations on complex accounts and new accounts in order to determine their credit qualifications for financing; as well as, determining the adequacy of the collateral, compliance to loan agreements, validity and accuracy of the records. • Interacted with bank peers and management at various levels, to adhere to budgets and deadlines. • Maintained a positive relationship with clients. Show less