Reviewing credit approval memoranda: Assess risk rating, and assure risk ratings are appropriate, accurate of terms and conditions, risk/return, analyze the adequacy of repayment sources, ensure that key risks are highlighted and rationale for approving the loan is sound.
Meeting with Relationship Management and Credit Solutions to evaluate new loan opportunities and changes to existing loans: assess whether opportunity makes strategic and economic sense, understand qualitative and quantitative factors, decide if the risk is acceptable, and identify areas for additional due diligence.
Monthly portfolio reviews with each assigned team: Review every loan relationship in my assigned portfolios, with emphasis on risk rating, performance/liquidity trends, and compliance with loan covenants and reporting requirements. Identify areas of weakness in the portfolio and provide guidance as to their remediation. Works closely with lending to ensure that portfolio management disciplines/practices are consistently applied.
Coach CS and RM professionals in underwriting, portfolio management, negotiation, and positioning of solutions. Provides advice, mentoring, and/or training to lend staff and credit support staff regarding loan structuring, loan documentation, and legal issues.
