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yyyyyy x. yyyyyy

(xxx-xxx-xxxx •



dynamic financial leader specializing in investments, capital markets, portfolio management, risk analysis, team building, and client relations eager to offer 16 years experience toward maximizing an employer s bottom-line.



profile of qualifications


         integral leader who offers expertise with structured finance, asset based lending, cash flow, real estate, and distressed transactions, as well as capital markets, corporate finance, budgeting / forecasting, sensitivity analysis, and capital structure.

         top performer who directs all levels of financial / statistical analysis, credit reviews, and approvals processes to achieve key goals.

         out-of-the-box thinker who excels at managing risk, roi, and effective operations for superior asset / investment quality.



professional synopsis


capitalsource bank, chevy chase, md                                                                                                                         2003 c present


portfolio manager special investments group (2005 c present)

senior loan officer (2003 c 2005)

         apply dynamic leadership talents toward administering a $500-million portfolio of assets to developers, owners, brokers, and investors and structuring solutions for commercial real estate, including previously managing the performance of a $750-million assigned loan portfolio of distressed assets, identifying trends, and detecting deviations while protecting the company s investment.

         demonstrate comprehensive skills in managing a former special situations fund with $90 million in debt and equity.

         expertly administer troubled corporate / commercial credits in collaboration with restructuring teams.

         serve as an agent of syndicated transactions involving the underwriting, documenting, and ongoing monitoring of performance, covenant compliance, triggers, and overall accounts servicing while executing due diligence processes with key stakeholders.

         contribute sharp analytical abilities toward performing financial statement evaluations to monitor developments that may impact loan performance, along with accurately assessing value of collateral supporting various debt and equity transactions.

         collaborate with investment teams and internal / external legal counsel for efficient transactions, documentation, and funding.

         prepare and present monthly portfolio reviews with emphasis on asset quality (i.e. covenant compliance, adequate liquid asset, total collateral coverage), along with identifying and reporting deteriorating credits, violations, and over-advances.

         ensure fluid communications with assigned clients to obtain information necessary to evaluate changes in the asset / enterprise value and operational / financial performance of the borrower / guarantor.


m & t bank, n.a., greenbelt, md                                                                                                                                           1994 c 2003


vice president middle market relationship manager (1997 c 2003)

credit analyst (1996 c 1997)

financial services representative (1994 c 1996)

         strategically steered a portfolio of various credit facilities to middle market clientele in compliance with bank credit policies to include clients such as government contractors, wholesale distributors, construction contractors, and transportation providers.

         underwrote and assisted junior underwriters in the analysis of $100+ million in transactions, along with reviewing new and renewed facilities for adequate loan documentation and appropriate levels of credit approval authority.

         maximized bottom-line results by supervising credit analysts in preparing write-ups for credit committee approval on $5-million to $100-million deals, and established deal triggers and sub-limits on bas, l / cs, steamship guarantees, and airway releases.

         supported the structuring of new facilities, assessed risk within acceptable levels, and prepared write-ups on complex relationships.

         prepared term sheets, line letters, amendments, waivers, and other documentation on new and existing credits for review by bank counsel as necessary, along with maintaining daily account servicing functions (i.e. wire transfers, overdrafts, maintenance).

         interfaced among fixed income & derivative groups to execute interest rate swaps and foreign exchange lines, and prepared referrals indicating line limits and pre-settlement and daily delivery limits.

         prepared quarterly assessment on high attention credits with recommendations to stay and restructure or exit relationships.

         cross-sold numerous bank products (i.e. trade finance, cash management, insurance, fixed income, foreign exchange).



education, professional development & technical summary


m.b.a., finance, howard university                                                                b.a., communications, university of virginia


m & t bank branch management training program • m & t bank credit training program • lsta introduction to loan markets

ecornell online professional education program • omega introduction to commercial loans for small businesses


microsoft office suite • bloomberg • capital iq • markit



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