August 2013 to CurrentPRIVATE BANK SENIOR UNDERWRITER, Wells Fargo Bank － Charlotte, NC
Seasoned underwriter/credit officer responsible for the West Coast footprint within Wells Fargo Packaged Credit with $3.5 million in direct lending authority · Facilitated over $500 million in credit transactions in the last 14 months · Render prudent, sound credit decisions by determining the adequacy and consistency of cash flows, liquidity, and capital support of the borrower · Audit/approve analysis and credit recommendations of less experienced underwriters · Examine trust and business documents to opine whether the client has the ability to pledge the assets as collateral · Manage a heavy volume of requests in a time sensitive environment · Structure transactions to meet customer credit needs while also managing credit risk and ensuring the long term safety, soundness, and reputation of Wells Fargo.
September 2012 to August 2013COMMERCIAL UNDERWRITER, VantageSouth Bank － Raleigh, NC
Responsible for underwriting new and existing relationships utilizing the framework of financial analysis and credit tools within certain industries · Tasked with vetting complex credit requests across a diverse client base · Supported 3 Market Presidents in Fayetteville, Jacksonville, and New Bern with an overall portfolio of $100 million · Met directly with clients to ascertain credit needs and develop credit packages that strike the perfect balance between risk and return · Trained new underwriters on bank policy and underwriting procedures · Prepared timely and precise analytical work which was heavily relied upon in the credit approval process and was used to determine the borrower's risk rating ultimately deriving their risk- adjusted return on capital (RAROC).
November 2008 to September 2012COMMERCIAL UNDERWRITER, PNC Bank － Wilmington, NC
Worked with both Commercial & Industrial Banking as well as the Portfolio Remediation Group (PRG) affording me the opportunity to underwrite both robust and deteriorating credits Supported commercial middle market operations and focused on operating companies with $10 million - $50 million in annual revenue; total credit portfolio in excess of $200 million Identified key success factors within respective industries to gauge the long-term viability of our clients against their peers Assessed and evaluated a client's borrowing needs by deciphering how much cash their operating cycle is generating and how much is needed to supplement working capital Participated with Relationship Manager on calls and visits to potential and existing clients to maintain strong degree of interaction Suggested specific financial covenants to be added to the loan agreement in order to mitigate the risk the bank will be undertaking Completed cost-volume-profit analysis to determine client's margin of safety with actual and projected levels of sales Ensured the credit is in compliance with all bank policies and guidelines Prepared quarterly and annual reviews to address credit deficiencies such as collateral exceptions and covenant violations.
CREDIT ANALYST September 2005 to January 2007Florida Business Bank － Melbourne, FL
Supported 4 account managers in the underwriting and credit approval process Presented credits of over $1 million to the board of loan directors for approval Monitored a credit portfolio in excess of $100 million Prepared spreads to analyze trends and discover potential opportunities for additional financing Coordinated the receipt of all financial statements required within the loan portfolio Worked directly with borrowers to assist with completion of personal financial statements Collected borrowing base certificates and accounts receivable aging reports to ensure the borrower is adhering to the margins set forth in the loan agreement Maintained a level of consistency and transparency within the credit package to expedite the loan decision process.
Masters of Business Administration : May 2013University of North Carolina Wilmington － Wilmington, NCGPA: GPA: 3.72GPA: 3.72
Bachelor of Arts : Accounting, Business, and Economics, May 2004Muskingum University － New Concord, OHGPA: GPA: 3.83Accounting, Business, and Economics GPA: 3.83 Recipient of Excellence Award in Accounting and Finance, Financial Executives Research Foundation, 2003
Completed the Investment Banking Institute (IBI) Financial Modeling and Valuation Training
Program, February/March 2014 Focused on valuing companies using market multiples, precedent transactions, and discounted cash flow Exposed to accretion/dilution, merger/acquisition modeling, leveraged buyout modeling, etc.
Completed formal credit training with Omega Performance, October 2011 Commercial Loans to Business Financial Accounting for Lenders
Masters of Business Administration : May 2013 Bachelor of Arts : Accounting, Business, and Economics , May 2004 Representative coursework: Corporate Financial Management, Advanced Marketing Concepts, Quantitative Methods, Management Strategy, and Investment Management
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