Experience

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  Citizens Bank

  • Warwick, RI Norwood, MA

  • Vice President, BCS Underwriter

    • Apr 2014 - Present
    • Warwick, RI Norwood, MA

    Member of the underwriting support team for wholesale lending for Business Banking Sales for the states of RI, MA, CT,NY, NH, ME.

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  Webster Bank

  • Providence, RI

  • Senior Porfolio Manager/ Vice-president, Business & Professional Banking

    • Dec 2010 - Mar 2014
    • Providence, RI

    Maintain and manage commercial loan portfolios for 5 small business lenders in the RI and MA regions of Webster Bank.. Responsibilities also include credit maintenance & integrity of the portfolio of all actively managed accounts, including asset based lines of credit, ensuring credit qualityand accurate risk ratings and condition of the credit files.Ensure timely completion of line of credit renewals, annual reviews and problem asset reports assigned to the portfolio, including re-evaluation of risk ratings as well as updated global collateral coverage analyses.Participate in the portfolio review and problem assets report meetings. Monitor customer compliance with all requirements set forth by the loan documentation signed by the borrower to include loan financial reporting requirements, loan covenants and all other reporting requirements based on the approval by the Senior Lending Officer.

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  Independent Commercial Loan Field Examiner and Credit Analyst

  • North Kingstown, RI

  • Owner

    • Oct 2002 - Dec 2010
    • North Kingstown, RI

    Preparation of financial field examinations of ABL borrowers for major New England banks, on and off-site. Examinations included assessment of financial performance, collateral coverage, testing and verification of collateral, review of internal bookkeeping systems, reconciliation of accounts receivables, inventory and accounts payables to the general ledger, review of loan documentation for loan covenant compliance and recommendations to banks/lenders to ensure credit quality and collateral preservation.

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  Hollis Meddings Group

  • Providence, RI

  • Field Examiner- Asset Based Lending

    • Mar 1999 - Sep 2002
    • Providence, RI

    ABL field examiner. On-site examination of internal book and records of borrowers, testing and verification of collateral, review of loan documents for covenant compliance and recommendation to bank/lenders for credit quality and collateral preservation.

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  Domestic Bank

  • Cranton RI

  • Vice-president

    • Mar 1997 - Nov 1999
    • Cranton RI

    C&I lending, specializing lending to small businesses with support of the US government guaranty from the Small Business Administration. Loan range- $1MM or less.

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  MassMutual Life Insurance Company/Lighthouse Financial

  • East Providence, RI

  • Sales Associate

    • Jan 1996 - Oct 1997
    • East Providence, RI

    Licensed contracted agent responsible for developing new business within the RI and MA marketplace. Licensed Series 6 and 63, currently expired. Sales centered in deferred comp plans, business continuation and succession as well as estate planning for small business owners.

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  Citizens Bank of Rhode Island

  • Providence, RI

  • Vice-president

    • Dec 1990 - Aug 1995
    • Providence, RI

    Vice-president Corporate Bank Group, Community Lending. Duties included business development, maintenance of existing portfolio, achieved loan and sales goals each year, leading to promotion to Middle Market Asset Based Lending Group.

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  Bank of New England-Old Colony, NA

  • Providence RI

  • Vice-president

    • Mar 1986 - Dec 1990
    • Providence RI

    Team Leader, Northern RI Lending Group. Managed a C&I loan portfolio of $125MM maintained by 4 lenders. Assisted junior lenders in business development, financial analysis and loan approval presentations to senior management, while maintaining an individual portolio.Prior to promotion to Team Leader, Vice-president, C&I business development - origninated a C&I portfolio from $0 oustandings to $35MM over a 3 year period in the RI and SE MA marketplace.In December of 1990, Bank of New England-Old Colony, NA was sold to Citizens Bank of RI and I was retained.

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  Rhode Island Hospital Trust National Bank

  • Providence, RI

  • Assistant Vice-president

    • Mar 1977 - Mar 1986
    • Providence, RI

    Various positions in the consumer lending division that lead to 2 years of commerical loan credit training that cycled through C& I Lending, Precious Metals Lending, Banking/Insurance and Asset Based Lending.. Upon completion of the 2 year training course accepted a lending position in the community banking division that serviced the Providence and surrounding metropolitan areas.