Experience

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  Federal reserve bank of new york

  Jun 1974 - Jul 1981

  Bank examiner

  Commissioned Bank Examiner, Bank Examination DepartmentResponsible for examining state chartered banks within the Second Federal Reserve District, encompassing New York and New Jersey.

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  Manufacturers hanover trust company

  Jul 1981 - Sept 1993

  Vice president

  Vice President, Special Assets Workout Loan Officer for Commercial Loans in North and South America • Responsible for collection and/or financial restructuring (including DIP financing) of a $225MM loan portfolio, consisting of bankrupt and financial distressed companies, including manufacturers, importers, distributors, retailers, real estate ventures and a tuna fishing vessel in Venezuela.Vice President, Middle Market Lending Business Development, Portfolio Management and Underwriting • Managed a team of credit officers and a loan portfolio of $500MM, including $100MM in new originations, complex credit restructurings, documentation, loan closings and ongoing monitoring.Assistant Vice President, Credit Review • Helped create this new department’s procedures and evaluated domestic lending units’ loan portfolios for credit quality and compliance with the Bank’s policies and procedures. Show less

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  Community banking

  Jan 1996 - Jan 2003

  Vice president

  RELIANCE BANK, White Plains, NY / HUDSON VALLEY BANK, Yonkers, NY 1996 - 2002Senior Lending Officer Primarily responsible for business development and underwriting for small business loans, with a particular emphasis on SBA guaranteed lending in Westchester County, NY. • Sourced and closed $35MM in new financings between the two banks. Achieved SBA audit results of Satisfactory at the first Bank and improved to Satisfactory from Needs Improvement at the second Bank, focusing on adherence to SBA policies and procedures. • Identified and sponsored a SBA Entrepreneur of the Year in 1998. • Developed relationships with investment houses which purchased the guaranteed portions of loans originated, generating supplemental fee income of approx. $1MM for the Bank. Show less

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  Fleet bank/bank of america

  Jan 2003 - Jan 2004

  Vice president

  Commercial Loan Underwriter- Commercial BankingAnalyzed, structured, timely decisioning and ultimate credit quality of new and renewal credit requests including lines of credit, letters of credit, term loans and commercial mortgages with transaction of up to $5MM for C & I companies. Territories included NY and NJ.

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  North fork bank

  Jul 2004 - Dec 2008

  Vice president and senior loan underwriter

  Vice President and Senior Loan Underwriter – Middle Market Banking (2004 – 2008)Recruited to North Fork Bank by its Regional President. Responsible for portfolio management of a loan portfolio of approx. $75MM, the largest within the underwriting group, with analyzing, structuring, and timely decisioning of new and renewal credit requests, plus reviewing loan documentation and closing loan transactions in conjunction with the relationship manager. Request amounts ranged up to $20MM in a wide range of industries, including C & I, real estate purchase and refinance, construction projects and not-for-profits. Evolved into responsibilities as the relationship manager/portfolio manager and underwriter.• Initial assignment upon hire was to review, risk rate and determine strategy for each new C & I relationship inherited from Trust Company of New Jersey, weeding out those deemed undesirable, managing the remaining quality ones and meeting with each borrower’s management. • Reduced criticized and Watch C & I portfolio from approx. $40MM at inception (mid 2004) to $6MM at 12/31/04, including quarterly updated oral presentations to Executive Management. Reduced delinquencies from $16MM at inception (mid 2004) to $3MM at 12/31/04. Show less

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  Capital one bank

  Jan 2009 - Oct 2012

  Vice president

  Vice President and Senior Loan Underwriter – Business Banking (2009 – Present)• Responsible for analyzing, structuring, timely decisioning within acceptable turnaround times and the ultimate credit quality of new and renewal credit requests, including lines of credit (asset based and non-asset based), letters of credit, term loans and commercial mortgages. • Typical transactions range between $500M and $3,000M. • In addition to evaluating C & I companies, also underwrote transactions for not-for-profits, including houses of worship and real estate construction. • Lending territories included NY, NJ and mid-Atlantic states. Mentored the credit analysts and junior underwriters in the group. • Underwriting production environment in which timing and accuracy were key measurements and were achieved. Underwrote approx. $300MM from 2009 to present. • Key member of the underwriting team in which regulatory concerns over underwriting issues were highlighted in 2009, no review in 2010 and contributed to a Satisfactory review in 2011.• Adept at Moody’s Risk Analyst spreading software. Show less

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  Hsbc bank usa

  Feb 2013 - now

  Vice president & regional credit manager

  • Responsible for managing a team of 10 underwriters in the Business Banking segment at 4 locations covering the New York City, Bronx, Westchester and Conneciticut markets. Mentored credit analysts.• Covered internationally oriented businesses with sales up to $50 million and credit exposures up to $10 million for lines of credit (asset based and non-asset based), trade finance including foreign exchange & letters of credit, term loans and commercial mortgages. • Responsible for analyzing, structuring, timely decisioning within acceptable turnaround times and the ultimate credit quality of new and renewal credit requests for the underwriting team.• Accompanied relationship managers and underwriters on new business calls where credit requests exceeded $2 million. Show less