Joseph Romano

Experience

• 

  CoreStates Bank, N.A. (Philadelphia National Bank)

  Jan 1990 - Mar 1999

  Assistant Vice President/Capital Markets Associate-Relationship Manager

  Commercial lending analysis, business development, underwriting, prospecting and maintaining both new and existing customer relationships in Middle Market and later Transportation & Lease Company Finance departments. Handled all issues as customer point of contact including orchestrating and presenting commercial loans term sheets, lease backed commercial paper conduits, plus cash and investment management products and services. Managed a five bank loan consortium with a public leasing company as lead bank: coordinated and oversaw growth of revolving credit facility from $60 million to $72 million. Successfully developed a successful prospecting plan and cold called on new accounts in mid-west. Entrusted with single and multi-level lending authority. Prior departments included Credit Card Collections group (1990-93); Middle Market Lending Group (1993-1996). CoreStates Bank, N.A. was acquired by First Union Bank in Fall'1998 and ultimately survived today as Wells Fargo Bank, N.A.. Show less

• 

  General Electric Capital Corporation

  Jun 1999 - Jul 2003

  Vice President & Senior Risk Analyst

  Commercial Equipment Finance Group. Underwrote direct corporate relationships across numerous industry and equipment sectors. Negotiated finance documents with customers. Attended customer visits. Structured challenging credit profiles with advance and non-linear payments, security deposits, down payments, second asset and mortgage liens and stock warrants. Maintained key relationships such as E.I. DuPont. and Medifast.

• 

  De Lage Landen Financial Services, Inc.

  Jul 2003 - Apr 2015

  Credit Manager

  Managed credit team of 4-8 members in Construction, Industrial & Transportation group for commercial equipment lending and leasing. Also personally underwrote larger credit profiles, attended customer and vendor calls plus industrial trade shows; conducted monthly meetings and reports with team members. Single credit authority of $3 million speculative grade and $5 million investment grade. Set standards and led initiatives for dealer financing of long term rental forklift fleets. Heavily involved in document negotiations with customers and material handling equipment finance. Show less

• 

  Siemens Financial Services, Inc.

  Apr 2015 - now

  Senior Credit Officer

  Commercial equipment lending & leasing underwriting to construction and industrial concerns. Specialized lending to commercial equipment rental companies. Helped expand key equipment vendor relationships and set standards/procedures for lending to equipment fleet rental companies and material handling industry. Skilled at finding ways to make even the most challenging and convoluted deals happen.