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Bio

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Ralph Kourtjian is a seasoned finance professional with extensive experience in commercial lending, asset-based lending, and financial analysis. He has held various leadership positions in banking and financial institutions, including Business Development Officer at TAB Bank and Vice President at First Business Capital Corporation. He holds an MBA from Wayne State University and a Bachelor of Science in Finance from Oakland University.

Experience

  • TAB Bank
    • Midwest United States
    • Business Development Officer
      • Jul 2020 - Present
      • Midwest United States

    • Vice President - Business Development
      • Dec 2010 - Feb 2020

      Responsible for originating asset based lending facilities in the $2MM to $12MM commitment range. Marketing territory for the states of Michigan and Ohio.

    • Vice President
      • Apr 2010 - Dec 2010

      Commercial and Industrial Special Assets Officer.

    • Senior Vice President
      • Dec 2007 - May 2010

      Senior Vice President in charge of marketing asset based /factoring lending product to small-medium sized businesses in leveraged/turnaround market.

    • Vice President - Marketing
      • Nov 2000 - Aug 2007

      Responsible for marketing, loan origination, loan structuring for asset based lending transactions in the three to thirty five million dollar range for the states of Michigan and Northwest Ohio. Responsibilities include marketing to bankers, consultants, C.P.A's and attorneys ; analyzing, structuring and negotiating of loan proposals. Average loan closings of $15MM - $20MM annually.

    • Vice President - Marketing
      • Nov 1998 - Nov 2000

      Responsible for marketing, loan origination and loan structuring for asset based lending transactions in the one to ten million dollar range for the states of Michigan and Ohio.

    • Vice President
      • Nov 1994 - Nov 1998

      Responsible for initating and monitoring of mezzanine financing transactions in the $250,000 to $1,500,000 range. Responsibilities include marketing of mezzanine program to lenders, investment bankers, analyzing credit risks, pricing, and loan structuring. Monitoring duties include review of monthly financial statements, loan and royalty payments and management consultations. Annual originations of $4MM-$5MM.

    • Franchise Loan Manager/Senior Financial Analyst
      • May 1989 - Aug 1994

      Responsible for analyzing franchise financial statements, coordinating franchisee financing, developing restructuring plans for leveraged franchisees, deve;oping annual and regional budgets, and assisting senior management in strategic planning.From 1989 - 1992, managed a bank funding program to finance new and existing carry-out stores. Annual fundings of $35MM - $40MM.

    • Senior Credit Analyst
      • Jan 1985 - May 1989

Education

  • 1987 - 1990
    Wayne State University
    MBA, Finance
  • 1979 - 1984
    Oakland University
    Bachelor of Science Finance, Finance, General
  • 1976 - 1979
    Southfield -Lathrup H.S.

Suggested Services

This profile is unclaimed. These are suggested service rates with 0% commision upon successful connection

Industry Focus. “Banking and Financial Services”

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