Experience

Park National Bank

• Banking
• 100 - 200 Employee

• SBA Operations Manager

  • Nov 2018 - Present



First Commonwealth Bank

• Banking
• 700 & Above Employee

• VP - SBA Loan Underwriter

  • May 2018 - Nov 2018



CIBM Bank

• United States
• Banking
• 1 - 100 Employee

• Vice President, SBA Loan Specialist

  • 2017 - May 2018



Delaware County Bank

• United States
• Banking
• 1 - 100 Employee

• SBA Loan Underwriter

  • Nov 2015 - Jan 2017

  Review and analyze business financial statements, business plans and credit requests for the extension of SBA Guaranteed loans. Review for creditworthiness and risk factors. Determine loan structures as well as screening loans against bank and SBA policies to determine eligibility. Complete full analysis of financial trends, strengths and weaknesses along with recommendations. Review and analyze business financial statements, business plans and credit requests for the extension of SBA Guaranteed loans. Review for creditworthiness and risk factors. Determine loan structures as well as screening loans against bank and SBA policies to determine eligibility. Complete full analysis of financial trends, strengths and weaknesses along with recommendations.



Midwest Business Capital

• Columbus, Ohio Area

• Vice President

  • Apr 2012 - Nov 2015

  Underwriter for SBA 7A loans. Analyze financials and industry trends to determine credit worthiness of businesses seeking financing for expansion, acquisition and refinance of existing business debt for loan amounts $400,000 to $5,000,000. Also determines the eligibility of businesses for SBA guaranteed financing. Specializing in dental, medical, veterinarian and funeral home industries. Underwriter for SBA 7A loans. Analyze financials and industry trends to determine credit worthiness of businesses seeking financing for expansion, acquisition and refinance of existing business debt for loan amounts $400,000 to $5,000,000. Also determines the eligibility of businesses for SBA guaranteed financing. Specializing in dental, medical, veterinarian and funeral home industries.



WesBanco

• Banking
• 700 & Above Employee

• Assistant Vice President

  • Jan 2010 - Apr 2012

  Special Assets Officer servicing troubled loans for the Western Region. Provided direction to others to develop strategies and solutions for substandard credits in the market. Recommended and justified credit downgrades, Non-Accruals and charge-offs for the market. Special Assets Officer servicing troubled loans for the Western Region. Provided direction to others to develop strategies and solutions for substandard credits in the market. Recommended and justified credit downgrades, Non-Accruals and charge-offs for the market.



Huntington National Bank

• United States
• Banking
• 700 & Above Employee

• Special Assets Officer, Senior

  • Oct 2007 - Jan 2010

  Developed workout strategies for SBA Guaranteed and conventional business banking credits. Oversaw the litigation, liquidation of collateral and analyzed credits for the need to charge-off portions of the loan and analyzed for the need of additional reserves

• Business Loan Underwriter

  • Nov 2005 - Oct 2007

  Business Loan Underwriter with loan approval authorization. Analyzed businesses and financials to decision credit loan risk for both conventional and SBA Guaranteed loan requests. Identified strengths and weaknesses for each credit request along with the appropriate mitigants. Structured both new loan requests and the restructuring of existing loans with exposure up to $3MM.

• SBA Portfolio Manager

  • Jul 2002 - Nov 2005

  Served as the primary liason for Huntinton National Bank with all SBA District offices and National Guaranty Purchase Centers for the servicing, delinquency and liquidation of SBA Guaranteed loans. Monitored and reported the delinquency, liquidation and purchase activities of the SBA portfolio. Analyzed business financials for underwriting of workout and servicing requests as well as new money. Developed workflow processes, created and conducted training for Special Assets of the SBA processes. Show less