Manager Vice President

JAMIE A. BUZZERIO, VICE PRESIDENT & COMMERCIAL CREDIT MANAGER

*** ****** **** *****, **** Mary, FL 32746

407-***-**** (Cell) *********@***.***

ACCOMPLISHMENTS

. Implemented a business plan and created a loan policy for banks

. Created a dual risk rating system with probability ratings

. Formed a Lending division for two community banks

. Initiated the SBA program for several Banks

. Created policies and procedures for commercial and small

business lending

. Managed five different staff's in Rhode Island & Florida

. Initiated compliance tracking and reporting

. Increased sales by creating product awareness

. Trained lender's, managers and analysts'

. Have had joint credit approval authority up to $5MM

PROFESSIONAL EXPERIENCE

FEDERAL TRUST BANK, Sanford, FL 2006 to

Present

Vice President & Senior Credit Manager, Credit Administration

- Lead and oversee all lending functions of the Bank portfolio including;

commercial, consumer and residential with over $500MM in loans

- Manage the day to day activities of the credit department and staff of

analysts

- Review work of underwriters and credit officer's to validate accuracy and

completeness

- On more complex loan requests, conduct financial analysis including

spreading statements, ratio analysis, and peer and industry comparisons as

available. Also review and analyze the financial condition of any

guarantors

- Approve narrative analysis of findings and credit memorandum/loan

presentations within prescribed approval authority

- Make recommendations to Special Asset Committee/Loan Review for review of

potentially troubled credits. Work with the SVP of Special Assets on

downgrades and transferring loans to OREO

- Participate in loan portfolio reviews and analyze and evaluate loans to

determine credit quality, loan risk rating grade, loss reserve adequacy and

timely recognition of potential problem loans by the lending staff.

- Identify cross sale opportunities for the bank and make appropriate

referrals to pursue additional business opportunities with the customer

- Oversee the monitoring of borrowing bases and loan covenants

- Complete the criticized assets, OREO and ALLL reports for Board

- Approve all appraisals and administer the appraisal review process

- Remain as system administrator for Baker Hill's Products

SUNTRUST BANKS, INC., ORLANDO, FL 2005 to 2006

Vice President, Senior Portfolio Manager

- Managed a $140MM Business banking and commercial loan portfolio with

relationships up to $5MM

- Participated in the underwriting and loan summary preparation related to

higher credit facilities and performed loan reviews to determine the credit

quality and risk ratings

- Evaluated completeness of risk assessment and accuracy of the

underwriting details and projections

- Conducted underwriting and loan evaluations of loans previously

originated by the officers

- Provided higher credit review and support for all senior portfolio

managers and junior portfolio managers assigned to specific territory

- Monitored portfolio for signs of deterioration and made collection

efforts if needed with assigned lenders and collectors, and reviewed all

accounts stats including monthly past dues

THE WASHINGTON TRUST COMPANY, WESTERLY, RI 2003 to 2005

Vice President, Small Business Lending Manager

- Managed the day to day activities of the lending department and staff of

credit analysts

- Assisted with the underwriting, and analyzed tax returns, credit reports

and financials to interpret into credit proposals on more sophisticated

requests.

- Approved loans for merchants and small businesses within lending

authority

- Communicated with prospective borrowers, business development staff, and

referral sources

- Enhanced SBA lending through processing loans with government enhancement

and recommended work-flow improvements

- Tracked receipt of required documents, prepared closings documents and

arranged closings with branch managers and lenders

- Processed renewals and loan reviews for existing commercial and small

business loans

- Worked with loan audit requests and regulators throughout the Bank

- Participated in Loan Committee as necessary to present loan transaction

underwritten

- Worked close with risk management in restructuring potentially problemed

credits

Assistant Vice President, Business Banking Lending Manager / Workout

Specialist

- Participated in the underwriting and loan summary preparation related to

higher credit facilities

- Performed loan reviews and evaluated loans to determine credit quality

and risk ratings

- Evaluated completeness of risk assessment and accuracy of the

underwriting details and projections

- Enhanced SBA procedures and policies by forming a SBA department and

lending environment

- Attended workouts, and assisted in the liquidation of credits and the

collection process

- Provided support to special assets and risk management in the

determination and evaluation of potentially problemed credits.

- Monitored portfolio for signs of deterioration and made collection

efforts if needed with assigned lenders and collectors, and reviewed all

account stats including monthly past dues

- Was the contact person for internal and external auditors throughout the

bank

CITZENS BANK, RBS INC., CRANSTON RI 1996 to 2003

SBA Senior Commercial Credit Analyst

- Completed comprehensive credit memorandums assessing the creditworthiness

of prospective clients for SBA 504, 7A, Express and other loans

- Prepared financial analysis including spreading statements, ratio

analysis, and peer and industry comparisons as available; included was the

review for any guarantors

- Prepared SBA loan packages for submission to the appropriate SBA

Processing Center

- Prepared and maintained senior level and executive level departmental

reports

- Maintained and enhanced SBA Forms Control Process using Microsoft

databases and up to date software as required; while keeping all offices

informed of SBA's Standard Operating Procedures

- Supervised a staff of SBA analysts and provided approval authority within

limits while servicing the entire banks New England SBA portfolio

- Researched and tracked various SBA issues within the portfolio during SOX

and FDIC audits

- Designed and implemented policies and procedures for government

guaranteed programs

Assistant Manager, Commercial Loan Operations - Accounting Group

- Overseen and evaluated the daily operations and activities of the

assigned functional work unit; established priorities and determined work

flow

- Planed, scheduled and reviewed the work of lower-level staff; provided

guidance, technical expertise and trained to promote employee growth and to

enhance the overall productivity of the work unit

- Reviewed and funded loans for Commercial, Small Business and the

Residential market

-Resolved and analyzed various problems and interaction with outside

vendors

-Processed wire transfers, payments, advances and paydowns for customers

-Completed daily settlement and end-of-day cash reconciliation

- Balanced GL accounts daily and reconciled the balance sheet for end of

day transactions

-Edited and generated SBA transactions through online wiring and different

ACH processes

COLLEGE EDUCATION

5/2002

Rhode Island College

US-Rhode Island-Providence

B.S. Accounting

B.S. Management

6/1997

Community College of Rhode Island

US-Rhode Island-Warwick

A.S. Accounting

SKILLS & ADDITONAL TRAINING

Microsoft Windows

One Point Spreads

B2B Liquid Credit

Moody's Financial Analysis

Certified Systems Administrator - Baker Hill

Commercial Credit Analysis Training

Formal Credit Training

Loan Officer Development Training

Omega Small Business Lending (Teacher)

American Banking Association (numerous classes)

RMA Training (numerous classes)

ABA (numerous classes)

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