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Click here or scroll down to respond to this candidateCandidate's Name
Street Address Brown Street, 2FPhiladelphia, PA Street Address
Phone: PHONE NUMBER AVAILABLE E-mail: EMAIL AVAILABLECOMMERCIAL LENDER WITH EXTENSIVE SBA EXPERIENCEOver 20 years in commercial banking and lending including SBA lending, small-middle market, small business banking, and commercial real estate lending. Performed commercial / retail loan review for over three years. Completed formal credit training program. Experienced in making presentations to various community groups, SCORE, and SBDCs regarding SBA financing. Have worked with the SBA on various presentations to promote SBA financing, representing the lending institution.Commercial lending developmentMarketingBusiness developmentCounselingTeachingPlanningM&T BANK, Buffalo, NY June 2015 to April 2023Vice President, SBA LendingMember of the SBA Lending Group, working in Villanova, PA; covering the PA, DE, and NJ Regions. SBA products marketed include 7(a), Express, CAPlines, International Trade, and other SBA programs. Support regional Relationship Managers on those products including 504s. M&T ranks #6 in SBA loan volume.Meet with prospective customers, reviewing and analyzing requests and working through the approval and closing processBusiness generated by word of mouth, contact with financial consultants, SBDCs, franchises, and referralsAssist business bankers and branches with loan requestsAppear as a speaker or panelist at Small Business Lending Finance or SBA functionsRADIUS BANK, Boston, MA Mar 2015 to June 2015Vice President, SBA LendingWorking out of my home, was responsible for business development in the Metropolitan Philadelphia, PA and Delaware markets. Responsibilities included meeting with prospects, gathering and reviewing financial information, providing initial analysis, submitting to underwriting and following loans through approval and loan closing, Also worked with SBA, SBDCs, SCORE, and attorneys, as well as participating in SBA sponsored conferences.FIRST NIAGARA BANK, Buffalo, NY Sept 2011 to Feb 2015Vice President, SBA LendingMember of the SBA Lending Group working in Plymouth Meeting, PA, coordinating SBA lending for the Eastern PS region, which Also includes New Jersey and Delaware. SBA products marketed include 7(a) EXPRESS, 504s, CAPLine, International Trade and Small Loan Advantage. In addition to developing my own pipeline, I support the Business Banking, Small Business Lending, and branches within the Eastern PA footprint. I also support First Niagara Banks Tri State Region, which includes Northern New Jersey. Since coming to First Niagara Bank, the 2011 bank loan volume has improved from 68th in the South Eastern PA region to 6th at the end of 2014.Met with prospective customers, reviewing and analyzing requests, and working through the approval and closing processes.Business was generated through contact with brokers, small business development centers, franchisers, and referralsAssist business bankers, small business lenders and branches with loan requestsAppearances as a speaker or panelist at Small Business Lending, Finance, or SBA functionsCOMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF BANKING Dec 2009 to Aug 2011Financial Institutions ExaminerI assisted in the completion of examinations of financial institutions and conducted independent examinations of departments within financial institutions. I reviewed written policies such as loans, investments, funds management and planning documents such as capital plans, strategic plans and budget. I may select and analyze segments of the various types of loans for appraisal, credit and sound underwriting practices. I assessed the methodology used for determining the adequacy of the loan and lease loss reserve and perform an independent evaluation. I helped to prep are workpapers and analyzed liquidity and asset liability management in order to evaluate the risk exposure in these areas. I participated in formal and on the job training assignments, attended basic examining or training seminars and studied training materials to develop skills in examining the records, operations, and procedures of financial institutions.NEWALLIANCE BANK, New Haven, CT Jan 2007 to Mar 2009Vice President, SBA Lending (Reduction in Force)Member of the SBA Lending Group working in Philadelphia focusing on SBA financing. SBA products marketed include: 7(a), 504 and Express Loan financing. Markets include Philadelphia, Lehigh Valley, PA, Southern New Jersey, and Delaware.Met with prospective customers, reviewing and analyzing requests, and working through the approval and closing processes.Business was generated through contact with attorneys, accountants, brokers, small business development centers, franchisers, and other sourcesMaintained Correspondent banking relationships.THIRD FEDERAL BANK, Newtown, PA Jun 2005 to Nov 2006Vice President, SBA Lending (Bank Cancelled SBA Program)Hired to develop business plan and establish the processes for SBA lending; goal was to become a SBA Express Lender (Approved) and a SBA Preferred Lender.Completed and submitted applications for bank achieve SBA lending goals.Establish relationships with SBDCs, business networking groups, various government (state, municipal) entities, and approved attorneys to facilitate SBA lending.Delivered presentations to various organizations on SBA financing.Met with prospects; reviewed and analyzed business plans; provided credit analysis; presented loans to credit committee and the SBA; did the SBA authorizations; contacted attorneys, appraisers and others to close loans.Updated 1502 forms to make payments to servicing company.VALLEY NATIONAL BANK, Wayne, NJ 2004 to 2005Vice President & Business Development Officer / Small Business Development (SBA) (Reduction in Compensation)Focused on SBA financing for 7(a), 504 and Express Loan financing. Markets included Philadelphia, Lehigh Valley, PA, southern New Jersey and Delaware.Met with prospective customers, reviewing and analyzing requests and working with customers through the approval and closing process.PNC BANK, Philadelphia, PA 2002 to 2004(PNC acquired former employer United Trust Bank; did not honor prior compensation commitment)Vice President & Business Development Officer / SBAFocused on SBA financing. SBA products marketed include 7 (a), 504, and Express Loan financing. Markets covered include Metropolitan Philadelphia, the Lehigh Valley, Southern New Jersey and DelawareALLFIRST BANK (DIVISION OF ALLIED IRISH BANKS), Reading, PA 2001 to 2002Vice President, SBA Specialist, Business Banking Group (Left Prior to Sale)Responsible for a territory that included Montgomery, Chester and lower Berks Counties, PA.Maintained a portfolio of 100 loans with approximately $10M in conventional and SBA relationships.Originated, analyzed and underwrote conventional and SBA products to small business banking customers.FIRST UNION NATIONAL BANK, Philadelphia, PA 2000 to 2001Vice President SBA Lending (Reduction in Force)Organized, analyzed and underwrote SBA products to small business and banking customers.Analyzed and underwrote request, preparing requests for consideration, and closing,Received 10% bonus for achieving prorated budget goals for FY2000.EDUCATIONB.A., Political Science/Economics, Hampton University, Hampton, VA, 1976REFERENCESLeonard Fagan - SBADmitri Matishen Surety Bond Associates (formerly SBA)Daniel Sossaman Santander Bank (formerly SBA)Alan Wilson Fulton Bank |
