Experience

The Victory Bank

• United States
• Banking
• 1 - 100 Employee

• Commercial Relationship Manager, Vice President

  • Nov 2019 - Present



Beneficial Bank

• United States
• Banking
• 200 - 300 Employee

• VICE PRESIDENT, SMALL BUSINESS LENDING MANAGER

  • Jan 2017 - Sep 2019

  Responsible for the management of the Small Business Banking Division with combined loan exposure of $122MM consisting of over 600 relationships and $85MM in deposits. Generate Small Business loan and deposit production by expanding existing customer relationships and attracting new customers to the Bank. Provide direct leadership to new underwriters while ensuring all lending activities are conducted in compliance with bank and regulatory standards to maximize profitability and minimizing credit losses. Show less

• ASSISTANT VICE PRESIDENT, COMMERCIAL UNDERWRITER 1

  • May 2016 - Jan 2017

  Support the Bank's mission through effective underwriting practices to ensure credit quality is maintained and to support risk balanced growth of the Business Banking portfolio. Responsible for managing a third of the bank's commercial lending relationships. Authorize credit decisions regarding new, or existing Business Banking customers based on completed credit underwriting analysis.

• ASSISTANT VICE PRESIDENT, PORTFOLIO MANAGER 1

  • Nov 2015 - May 2016

  Managed a portfolio consisting of 525 loans with a book balance exceeding $50MM. Performed detailed credit analysis and quality underwriting of existing loans as they relate to loan renewals, annual reviews. Independently identified loan structure alternatives and made appropriate recommendations to ensure loan terms and conditions adhere to established banking credit policies.

• PORTFOLIO MANAGER BUSINESS BANKING

  • Jun 2013 - Oct 2015

  Responsible for developing and managing existing business banking relationships in accordance with bank policies and core values. Provided leadership and supervised assigned business banking associates to ensure high standards, established goals and objectives are achieved on a continual basis. Partnered with branch managers and other corporate divisions to manage financial services relationships for the bank's customers and prospects.

• PORTFOLIO MANAGEMENT SPECIALIST SMALL BUSINESS

  • Jun 2011 - Jun 2013

  Supported loan officers and relationship managers in the credit analysis and underwriting of commercial loan packages and annual renewals by preparing written Credit Memorandums (including but not limited to C&I loans, Construction Loans and CRE Loans) for presentation to loan committee. This included ratio and other financial analysis, such as trend analysis, repayment ability, cash flow forecasting, stress testing, rent roll analysis and loan structuring.

• BUSINESS LOAN SPECIALIST 2

  • Mar 2010 - Jun 2011

  Responsible for conducting financial analysis of financial information in support of the underwriting process. Worked in collaboration with portfolio manager utilizing financial spreads, property evaluations and transaction-related documents to identify risk and mitigation to risk associated with each loan.



Bank of America

• United States
• Banking
• 700 & Above Employee

• SENIOR MANAGER – SMALL BUSINESS LENDING

  • 2003 - Oct 2009

  Responsible for managing over $450MM per year of risk reduction exposure. Led teams of 20+ employees to top performers, created quality standards that became best practices and continually monitored financial performance that directly drove the bottom line. Responsible for managing over $450MM per year of risk reduction exposure. Led teams of 20+ employees to top performers, created quality standards that became best practices and continually monitored financial performance that directly drove the bottom line.



MBNA

• Newark, Delaware

• SECTION MANAGER- CUSTOMER MARKETING & ACTIVATION & SALES

  • 1992 - 2003

  Top performing manager, responsible for 250+ telesales associates for MBNA America, the originator of the affinity credit card. Contributed to over $125MM in outstanding and consistently grew sales by focusing on customer service and employee development. Top performing manager, responsible for 250+ telesales associates for MBNA America, the originator of the affinity credit card. Contributed to over $125MM in outstanding and consistently grew sales by focusing on customer service and employee development.