Experience

Superior National Bank
• United States
• Banking
• 1 - 100 Employee
• Vice President Of Commercial Lending

  • Jun 2022 - Present


Independent Bank

• United States
• Banking
• 700 & Above Employee

• Vice President

  • Jan 2017 - Jun 2022

  Commercial loan officer Commercial loan officer


Huntington National Bank
• United States
• Banking
• 700 & Above Employee
• Commercial Real Estate/Portfolio Manager

  • May 2013 - Dec 2016


Citizens Bank - Michigan, Ohio and Wisconsin

• Commercial Loan Review Officer

  • Jan 2012 - Apr 2013

  • Conducts independent and objective review of commercial loan underwriting, structuring, approval and assignment of credit risk grades. Validates that the risk rating and perception of risk is accurate and confirms that all pertinent policies and procedures are in compliance. • Reviews loan relationships of all sizes and complexity to develop a performance assessment of individual Commercial Relationship Officers, Commercial Banking Managers and Senior Credit Officers. • Evaluates, and recommends changes, the adequacy of portfolio monitoring, commercial loan underwriting, portfolio reviews and credit administration. Identifies process gaps and inefficiencies in Loan Review and recommends/implements changes to address them. • Establishes Loan Review exam samples as well as a Pass Review Sample for Credit Delivery Group. Show less



Flagstar Bank

• United States
• Banking
• 700 & Above Employee

• Commercial Lender/Portfolio Manager

  • Apr 2009 - Jan 2012

  • February 2011 to January 2012 - Managed a $126 million performing commercial real estate portfolio with the goal of disposing the assets over a period of time. • April of 2009 to January of 2011 - Maintained a portfolio of impaired commercial loans that included various types of investor owned and owner occupied commercial real estate properties. • Involved in the restructuring of troubled debt by making recommendations based on the risk factors of each loan that included cash flow, collateral, guarantor strength, as well as market and industry factors. • Created a loan modification template for loans that were being restructured or extended past the current maturity date. This provided consistency and ease of use for decision makers at approval committees. • Prepared annual reviews for all credits in my portfolio for committee review. Show less



Peoples State Bank

• United States
• Banking
• 1 - 100 Employee

• Project Advisor

  • Jun 2008 - Dec 2008

  • Coordinated and completed review of loan files for sale or participation to other banks as well as for internal and external auditors. • Completed covenant testing on over 250 commercial real estate, middle market, private lending and unsecured loans. Verified the loans were in compliance based on terms detailed in the loan approval and the loan agreements prepared by outside counsel or the Bank’s internal loan documentation group. • Re-engineered and implemented a loan tracking process for the Special Assets Group. Show less



Fifth Third Bank

• United States
• Civic and Social Organizations

• Commercial Real Estate Loan Officer

  • Mar 2005 - Jun 2008

  • Developed and maintained a commercial real estate loan portfolio that was initially comprised of 20 relationships totaling $95 million in real estate loans and grew the portfolio to over 40 relationships and $150 million in real estate loans. • Developed and grew a portfolio by cross-selling treasury management and depository products with existing and new relationships. • Loans closed and maintained included commercial construction, land development and land carry loans, letters of credit required for tax-exempt bond financing, investment real estate loans on income producing properties, as well as owner-occupied and unsecured loans. • Closed over $50 million in various loans within the first two years at the Bank. • Successfully grew real estate loan portfolio through relationship building, prospecting for new clients through involvement in various community organizations and attending various networking events as well as referrals from existing clients. • Consistently achieved at least 100 percent of referral goals during my tenure with many of the referrals sent to the Bank’s derivative group converting floating rate promissory notes into fixed interest rate swaps. • Restructured several loans as a result of the poor local economic conditions creating solutions agreeable to the Bank and the borrower. • Consulted with the Bank’s Special Asset Group and assumed department responsibilities to support operations due to reduction of staff in that area. • Negotiated terms and conditions of nearly all of the loans closed with my customers. Show less



Comerica Bank

• United States
• Banking
• 700 & Above Employee

• Private Lender

  • Sep 1999 - Mar 2005

  Private Banking Lender (9/01-3/05) • Developed and maintained an initial $9 million commercial loan portfolio increasing to over $35 million in three years. • Closed $25 million in new loans during my first three years. • Successfully cross-sold all Bank’s products and services which increased profitability of the relationship. • Maintained exceptional credit quality by minimizing past due loans, expired commitments, documentation exceptions and maintaining updated risk rating of all loans. • Developed an understanding of a variety of businesses through underwriting loans that included investor and owner-occupied commercial real estate loans, equity financing for large well-known investors, loans to law firms, medical practices, home equity loans for high net worth individuals as well as unsecured financing. Formal Credit Training Program (9/99 to 9/01) • Completed 2 months of classroom training where a basic understanding of commercial credit underwriting was obtained. • Completed a 9 month rotation in the Bank’s commercial real estate group providing underwriting for lenders in the mortgage warehouse lending group, national participation real estate group and the group that lent to local developers and real estate investors. • Completed a 10 month rotation in one of the Bank’s middle market loan groups. Provided underwriting for various corporate (mostly automotive related) borrowers with various short and long term lending needs. Show less