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core Competencies

  • Tactical Decision Making
  • Critical Thinking
  • Client Satisfaction
  • Operational Analysis
  • Customer Service
  • Resource Management
  • Business Administration
  • Research & Analysis
  • Project/Program Management
  • Process Improvement
  • Key Stakeholder Partnerships
  • Interpersonal Communication

Financial Skills

  • Regulatory Compliance
  • Loans & Credit
  • Underwriting
  • Credit Analysis
  • Portfolio Management
  • Financial Analysis
  • Risk Management
  • Banking Expertise
  • Commercial Lending
  • Mortgage Lending
  • Commercial Banking
  • Investments
  • Relationship Management
  • Small Business Lending
  • Applied Economics

Text section

Accomplished banker and portfolio expert with over 10 years of progressive experience in the finance sector. Possesses great skill in the areas of Commercial and Industrial, Commercial Real Estate and Construction banking. Adept at working to efficiently achieve organizational goals in both group and independent environments. Proven ability to thrive in high-pressure environments. Personable with a client-focused demeanor.

professional Experience

ROCKLAND TRUST COMPANY

2015Present

Commercial Loan Officer, AVP

  • Supervise all facets of the underwriting process including real estate and C&I.
  • Foster solid relationships with customers and develop a positive working rapport.
  • Fuel new business development by effectively cross-selling all bank products.
  • Manage all cash handling tools and investment products that help aid clients in achieving their respective financial goals.
  • Maintain a consistent portfolio of existing commercial loan partnerships; also monitor new and existing commercial clientele.

ROCKLAND TRUST COMPANY

20122015

Portfolio Manager, AVP

  • Ensured overall integrity for a loan portfolio valued at $260M; included provision of business development support for four different lenders.
  • Maintained overall credit quality and compliance with credit policies.
  • Oversaw all areas of the title responsibility process.
  • Guaranteed the soundness of risk ratings and the condition of credit files.
  • Underwrote and structured new money requests, renewals, modifications and credit reviews.
  • Supervised all facets of the approval process including maintaining the soundness of approval documents.
  • Engaged in prospecting and customer service inquiry reply calls as needed.

ROCKLAND TRUST COMPANY

20092012

Senior Credit Analyst III

  • Facilitated operations for a full-service banking institution. Formulated lending recommendations for both new and existing client for C&I and commercial real estate clientele with over $750M in exposure.
  • Performed underwriting and complex multimillion-dollar contract negotiations for clients in all types of industries.
  • Analyzed financial statements; also performed historical and projected cash flow and collateral analysis. Conducted industry and market research as part of the underwriting package development process.
  • Assessed risk for commercial customers on an ongoing basis.

BABSON CAPITAL MANAGEMENT, LLC

20082009

Performance Analyst

  • Prepared and examined performance measurement reports for an investment firm; focused on adherence to compliance standards.
  • Distributed standardized, customized and ad-hoc reports in a precise and timely manner.
  • Assessed evaluation systems, processes and reports in order to detect inefficiencies in numerical calculations and recommend improvements to help eliminate erroneous information.

FIRST PIONEER FARM CREDIT, ACA

20042008

Commercial Credit Analyst

  • Swiftly serviced loans in an agricultural financial institution setting; analyzed relevant business and financial information in order to prepare comprehensive credit reports and industry analyses.
  • Ensured fast turnaround time when underwriting to improve to-market speed.
  • Trained new personnel and developed innovative new product offerings.
  • Effectively monitored requirements for borrower reporting, loan covenant calculations and circulation of materials to loan applicants. 

Education

University of Massachusetts-Amherst

2011

M.B.A

3.9 GPA

Cornell University

2004

B.Sc

3.4 GPA

tECHNOLOGY SKILLS

  • Moodys

  • KMV

  • DST

  • StatPro

  • Microsoft Word

  • Microsoft Excel

  • Microsoft Access

  • Microsoft PowerPoint