RICHARD PIETRZYK

** ******** ****, ************, ** 08844

908-***-****•acn2bx@r.postjobfree.com

PROFESSIONAL EXPERIENCE

TD Bank US • Cherry Hill, NJ • May 2013 – Current

SB Underwriter Lead, AVP

Responsible for conducting in depth industry and financial analysis of existing borrowers and

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working cooperatively to support the Lending and Credit functions of the Bank. Responsibilities

include financial analysis of moderately complex loans/industries/customers, research of industry

specific information from outside sources, analyzing financial statements, management profiles,

business and product cycles, cash flow ability, collateral, etc., identify trends, measure

performance, assess financial strength and develop an assessment of credit risk.

Somerset Hills Bank • Bernardsville, NJ • August 2001 – May 2013

Portfolio Manager / Commercial Loan Underwriter, AVP

• Manage assigned commercial loan portfolio of 127 relationships. Responsibilities included managing of

loan closings, financial statement analysis of all types and size businesses, loan approval preparation,

communication with customers and third parties, past due payment collection, loan compliance review,

preparation of loan loss reserve and portfolio concentration reports, HMDA and CRA reporting, FHLB

reports and tax status monitoring.

Loan Administration Manager

• Managed consumer and commercial loan administration group. Responsibilities included hiring, personnel

review, credit disputes (E Oscar), loan documentation review and preparation and staff training. Assisted

in creation and implementation of Red Flag Policy and FACTA 312 Policy.

Summit Bank / Fleet Bank • Cranford, NJ • March 1999 to August 2001

Construction Loan Administrator

• Coordinated daily activity of assigned construction loan portfolio with direct responsibility for

disbursements and interfacing with borrowers and outside professionals. Also responsible for the

coordination of the conversion of construction to permanent loans on the operating system.

Loan Administrator

• Reviewed closing documentation, prepared internal loan modification documents, entered loans on

the operating system.

First Union Bank • Piscataway, NJ • January 1999 to March 1999

Loan Closer

• Coordinated loan closings, title review and document preparation. (Fannie Mae, FHA)

Sterling Mortgage, Ltd. • Somerville, NJ • December 1997 – November 1998

Closing Coordinator

• Scheduled loan closings with Borrowers and outside professionals and document preparation of B through

D non conforming loans

American Federal Mortgage Corp • Bound Brook, NJ • January 1996 – December 1997

Assistant Closing Supervisor

• Scheduled loan closings with outside professionals, balanced mortgage warehouse lines, payoff processing,

preparation and review of closing documentation. (Fannie Mae, FHA & NJHMFA)

EDUCATION

B.S. Degree Management, Tusculum College, Greeneville, TN

Associate Degree – Business Administration, Raritan Valley Community College, North Branch, NJ

References available upon request

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