Talk to sales Try for Free
Mark S.

Mark S.

Inbound Sales Specialist 2

Followers of Mark S.1000 followers
location of Mark S.Greater Philadelphia

Connect with Mark S. to Send Message

Connect

Connect with Mark S. to Send Message

Connect

  • Timeline

  • About me

    AVP, Underwriter III - Commercial Finance at PNC

  • Education

    • Villanova University

      2009 - 2015
      Bachelor of Business Administration (BBA) Accounting

      Undergraduate degree in Accountancy. Courses included Federal Income Tax, Advanced Taxation, Cost Accounting, Advanced Financial and Managerial Accounting

    • The Wharton School

      2016 - 2018
      Wharton Leadership Certificate Aresty Institute of Executive Education

      Professional development certification in leadership. Leading organizational change, managing uncertainty and executing vision. Gain frameworks and perspectives on leading change and applying the concepts to unique business challenges.

    • Harvard University

      2016 - 2018
      Master's Degree Finance

      Harvard University Division of Continuing Education (DCE), World-class, rigorous curriculum; advanced knowledge of economic theory, corporate finance, capital markets, mergers and acquisitions, international markets and risk management. Enhanced quantitative and problem-solving skills in resolving complex financial decisions.

    • ABA Stonier Graduate School of Banking

      2016 - 2018
      Diploma Executive Education- Banking

      The preeminent executive management school for the financial services industry. Curriculum focuses on strategy, planning, marketing and performance measurement. Key decision making on risk management, Basel 1-3, investments, ALCO, capital markets, asset sales and treasury management.

    • New York Institute of Finance

      2017 - 2018
      Chartered Financial Risk Engineer

  • Experience

    • Wells Fargo

      Jul 2006 - Apr 2011
      Inbound Sales Specialist 2

      Selling of direct to consumer auto purchase, cash out/consolidation and refinance loans. Responsible for clearing stipulations with the borrower from Underwriting and review of borrower credit and financial statements. Worked along with branch network to close consumer auto loans and enhance the customer service experience. Earned Employee of the Month Award Top Sales (volume booked) 8 times during employment. Originated over $23 million dollars booked during tenure of employment with organization. Show less

    • Flagship Credit Acceptance

      Jan 2013 - Nov 2013
      Credit Analyst

      Responsible for approving and capturing auto loan contracts within company programs and guidelines. Maintained dealer relationships, worked in conjunction with outside sales team to establish and retain business.

    • BB&T

      May 2014 - Dec 2016
      Credit Underwriting Manager

      Analysis of credit risk to build Lending Portfolio. Analysis of collateral valuation. Responsible for due diligence activities and financial statement review. Provide rationale behind decision making. Responsible for profitability and delinquency metrics. Compliance review for all fair lending guidelines. Manage CRM systems to ensure efficient handling of clientele.

    • CBIZ

      Dec 2016 - May 2018
      Financial Risk Consultant

      Practice focused on due diligence, investment portfolio performance reviews, asset based lending, asset securitization, alternative investments and specialty lending. Work with a diverse client base including financial institutions, major investment banks, private equity, capital markets, hedge funds and institutional investors. Periodic analysis of financials, portfolio credit risk and performance. Analysis of debt and equity financing/leverage. Analysis of securitization/ structured finance.

    • Fulton Bank

      Sept 2018 - Oct 2021
      Senior Regional Credit Underwriter

      Handling Commercial Loan Requests from $1.5MM to $40MM in aggregate exposure. Loan requests include C&I, Investment Real Estate and Construction Loans. Responsible for spreading Corp Tax Returns, CPA Reviewed Statements and Personal Financials of Guarantor(s). Analysis of obligor cash flows, UCA cash flows, budgets and debt service coverage to formulate credit memorandums for loan committee. Performed analysis of borrower, market trends, market risk, interest rate risk and credit default risk. Use and analysis of liquidity and solvency ratios in lending presentation. Show less

    • PNC

      Oct 2021 - now
      AVP, Underwriter III - Commercial Finance

      Accountable for assessing credit risk to current and new money exposures for clients within the bank’s portfolio. Providing financial statement analysis to underwrite and approve loan requests and line of credit reaffirmations.Served as a member on the Credit Risk Advisory Board at the Bank. Analysis of collateral in regards to a variety of assets including investment accounts and implementation of lending decisions based upon proper margin valuations.

  • Licenses & Certifications

    • Advanced Derivatives Professional Certificate

      New York Institute of Finance

    • Advanced Fixed Income Professional Certificate

      New York Institute of Finance

    • Quantitative Methods for Finance - Mastery Designation

      New York Institute of Finance
      Mar 2017