Experience

Pathward

• United States
• Financial Services
• 500 - 600 Employee

• National Portfolio Manager

  • Oct 2022 - Present

• Senior Vice President- National Portfolio Manager

  • Jun 2022 - Oct 2022

• Director Portfolio Management

  • Nov 2019 - Jun 2022

  Troy, Michigan Review portfolios of Account Executives, who have factoring and ABL accounts, to ensure losses are minimized and do not exceed budgeted standards Assign new relationships to Account Executives based on availability and skill level Responsible for ensuring all advances and loans comply with loan policy and approved structure Dialog with Chief Credit Officer regarding out of compliance or deteriorating relationships Prepare all necessary portfolio management reports Attain an… Show more Review portfolios of Account Executives, who have factoring and ABL accounts, to ensure losses are minimized and do not exceed budgeted standards Assign new relationships to Account Executives based on availability and skill level Responsible for ensuring all advances and loans comply with loan policy and approved structure Dialog with Chief Credit Officer regarding out of compliance or deteriorating relationships Prepare all necessary portfolio management reports Attain an acceptable contribution to overhead and profit from each client arrangement to achieve profit objective Responsible for documenting all relationships to ensure approved and required legal documentation Review and approve credit requests prior to submission to the required credit committees Approve wires as required per policy Coach and mentor Account Executives

• Senior Account Executive

  • Jun 2016 - Nov 2019

  Manage portfolio of domestic and international asset-based loans Responsible for all daily credit functions and funding decisions, including advance approvals and loan exception request approvals Serve as underwriter for all credit proposals within assigned customer portfolio Accountable for maintaining risk rating assessments and associated reports / metrics Mentor to junior Account Executives as well as Client Analysts



Bank of America

• United States
• Banking
• 700 & Above Employee

• Process Design Manager

  • May 2014 - Jun 2016

  Accountable for the development, improvement and execution of processes in support of Performance Plan objectives within or across lines of business focusing on long-term strategic goals Ensures full integration of all process and linkage to best practices. Accountable for the achievement of breakthrough productivity, customer satisfaction and continuous process improvements Responsible for identifying, analyzing, remediating and implementing a variety of credit, policy and procedure… Show more Accountable for the development, improvement and execution of processes in support of Performance Plan objectives within or across lines of business focusing on long-term strategic goals Ensures full integration of all process and linkage to best practices. Accountable for the achievement of breakthrough productivity, customer satisfaction and continuous process improvements Responsible for identifying, analyzing, remediating and implementing a variety of credit, policy and procedure projects across a commercial credit platform

• Senior Portfolio Management Officer

  • Mar 2012 - May 2014

  Responsible for underwriting and structuring credit proposals Single signature loan authority Primary responsibility for credit underwriting and credit decisions and therefore accountable for overall portfolio performance and asset quality Act as stand in Credit Manager Responsible for modeling deals within credit policy and identifying material underwriting variances on a renewal and origination basis Customer facing responsibilities including obtaining background and financial… Show more Responsible for underwriting and structuring credit proposals Single signature loan authority Primary responsibility for credit underwriting and credit decisions and therefore accountable for overall portfolio performance and asset quality Act as stand in Credit Manager Responsible for modeling deals within credit policy and identifying material underwriting variances on a renewal and origination basis Customer facing responsibilities including obtaining background and financial information, articulating the bank’s position, and negotiating more complex relationships to closure

• Senior Portfolio Officer

  • Jun 2009 - Mar 2012

  Managed commercial loan workout portfolio, including commercial and investor owned real estate. Performed credit file review to determine documentation deficiencies and developed resolution strategies Executed financial analysis to determine appropriate exposure strategy (maintain or exit client) Monthly portfolio reporting and forecasting, with special emphasis on NPAs and timely recognition of charge offs. Developed and executed actions plans to compliment exposure… Show more Managed commercial loan workout portfolio, including commercial and investor owned real estate. Performed credit file review to determine documentation deficiencies and developed resolution strategies Executed financial analysis to determine appropriate exposure strategy (maintain or exit client) Monthly portfolio reporting and forecasting, with special emphasis on NPAs and timely recognition of charge offs. Developed and executed actions plans to compliment exposure strategies. Managed borrowers exposures as it related to bank’s treasury products



Greenfield Commercial Credit

• United States
• Financial Services
• 1 - 100 Employee

• Credit Manager

  • Jun 2005 - Jun 2009

• Audit Manager

  • Jun 2002 - Jun 2005