Expert Details

Expert in Lending, Credit, and Underwriting

Expert ID: 736276 Florida, USA

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Retired from a 45 year career as a banker, with the last 15 years spent as in wealth management. An expert in credit analysis, underwriting, structuring, and documentation - specializing in the creation of credit solutions (and, the calculation and study of global cash flows) that are specific to each transaction.

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

Expert may consult nationally and internationally, and is also local to the following cities: West Palm Beach, FL - Fort Lauderdale, FL - Miami, FL

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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 Responsibilities
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: 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: 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: 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: 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: 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: 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: 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: 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

Fields of Expertise

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