Expert Details
Lending, Credit, and Underwriting
ID: 736276
Florida, USA
These skills bridge to Super Jumbo Mortgages, Credit Risk Review, Due Diligence, and the full complement of Banking Credit.
Achievements
● Exponentially increased the loan portfolio in a wealth management office that had been open for 25 years
● Oversaw and monitored a $1B Private Bank loan portfolio (exclusive of residential mortgages)
● Utilizing individual loan authority of $10MM, had -0- loan losses and no unidentified risk rating downgrades in a $1B portfolio
● Turned around a troubled loan portfolio, facilitating the sale of the Bank at a multiple of book value
Additional Information
● Certified Mentor, SCORE Chapter 308; workshop facilitator
● Instructor:
o RMA Florida School of Commercial Lending (Lending to wealthy individuals)
o Internal Credit Training Programs at Wachovia and Southeast
o Palm Beach State University and Edison State University – AIB Credit Curriculum
o CBANC Network (Webinars) – numerous lending and credit topics
o Bankers’ Hub (Webinars)– numerous lending and credit topics
Education
| Year | Degree | Subject | Institution |
|---|---|---|---|
| Year: 2002 | Degree: Certified Financial Planner | Subject: Financial Planning | Institution: Florida Gulf Coast University |
| Year: 2000 | Degree: Professional Master of Banking | Subject: Bank Executive Management | Institution: LSU School of Banking of the South/Alex Sheshunoff Management Services |
| Year: 1982 | Degree: MBA equivalent | Subject: The Stonier Graduate School of Banking - ABA | Institution: Rutgers University |
| Year: 1978 | Degree: | Subject: The National Commercial Lending School - ABA | Institution: The University of Oklahoma |
| Year: 1974 | Degree: | Subject: The National Installment Lending School - ABA | Institution: The University of Oklahoma |
Work History
| Years | Employer | Title | Department |
|---|---|---|---|
| Years: 2016 to Present | Employer: Undisclosed | Title: Consultant | Department: |
Responsibilities:Since retiring from the traditional workplace, Expert has been travelling, consulting to businesses and individuals, and presented training webinars for both CBANC Network and BankersHub. |
|||
| Years | Employer | Title | Department |
| Years: 2009 to 2014 | Employer: BMO Harris Bank, N.A. | Title: Regional Director of Banking | Department: Private Banking |
Responsibilities:Joined as part of a ‘lift out’ team as a lender for East Coast Private Banking team. Concurrent with acquisition and merger (Harris Bank and M&I Bankcorp), became the Senior Lender for the Private Bank for the State of Florida and a dedicated resource for wealthy Canadians. |
|||
| Years | Employer | Title | Department |
| Years: 2001 to 2009 | Employer: Wells Fargo Bank/Wachovia Bank, N.A. | Title: Senior Vice President | Department: Wealth Management |
Responsibilities:Senior Credit officer for Palm Beach Wealth Management. Utilizing $10MM credit authority, responsible for the approval and management of a loan portfolio of $1B (excluding residential mortgages). Prior to that assignment, served as the Credit Officer for the Legal Specialty Group - specializing in the underwriting, approval, and management of lending to law firms with over 100 attorneys and/or loan size in excess of $10MM. |
|||
| Years | Employer | Title | Department |
| Years: 1999 to 2000 | Employer: Kislak National Bank | Title: Executive Vice President | Department: Commercial Lending |
Responsibilities:Recruited by new President to oversee and direct commercial lending activities for a newly-merged bank. |
|||
| Years | Employer | Title | Department |
| Years: 1997 to 1999 | Employer: BankUnited, FSB | Title: Senior Vice President | Department: Commercial Lending |
Responsibilities:Initially brought in as regional commercial lender, and moved to HQ to direct commercial lending activity. |
|||
| Years | Employer | Title | Department |
| Years: 1996 to 1997 | Employer: Self Employed | Title: Co-owner | Department: All |
Responsibilities:Formed a wholesale-distribution firm specializing in sporting goods and greigh goods. |
|||
| Years | Employer | Title | Department |
| Years: 1996 to 1996 | Employer: SouthTrust Bank | Title: Vice President | Department: Lending and Credit |
Responsibilities:Recruited at Holding Company level to serve as Chief Credit Officer of newly acquired Bank. |
|||
| Years | Employer | Title | Department |
| Years: 1991 to 1996 | Employer: Intercontinental Bank/Boca Bank | Title: Senior Vice President | Department: Lending and Credit |
Responsibilities:Brought in as Chief Credit Officer to oversee the recovery efforts of a troubled bank. Turned it around, and sold the bank at a multiple of book value. |
|||
| Years | Employer | Title | Department |
| Years: 1979 to 1991 | Employer: Southeast Bank, N.A. | Title: Vice President | Department: Lending et al |
Responsibilities:Hired as Senior Lender for a community bank, its acquisition by Southeast in 1980 led to positions of increased responsibility and authority, and included:Branch Manager Senior Lender Hub Manager City Loan Manager Corporate Lending Officer Regional Credit Officer |
|||
Career Accomplishments
| Associations / Societies |
|---|
| Appeal Panel Chairman, Disciplinary and Ethics Committee, Certified Financial Planner Board of Standards Past Commissioner, Disciplinary and Ethics Committee, Certified Financial Planner Board of Standards Board of Directors, Friends of John D. MacArthur Beach State Park Chairman, Auction Committee, American Cancer Society North Palm Beach Gala Florida Bankers Association, Florida Banker Magazine Steering Committee Youth Museum of Charlotte County, President |
| Licenses / Certifications |
|---|
| CFP, Certified Financial Planner NASD, Series 7 |
| Awards / Recognition |
|---|
| Robert Morris Associates, Palm Beach County - Outstanding Young Banker of the Year |
Additional Experience
| Training / Seminars |
|---|
| Education: Florida Gulf Coast University, Certified Financial Planner® Curriculum Sheshunoff Management/School of Banking of the South, Professional Master of Banking ABA The Stonier Graduate School of Banking, Rutgers University ABA National Commercial Lending School, University of Oklahoma ABA National Installment Lending School, University of Oklahoma University of Florida Miami Dade Jr. College, AS Florida State University |