Real Estate Manager

JEROME C. BOHRINGER

#*** ***** ***** **. ***** **2, Annapolis, MD 21401.

Email: abmmg6@r.postjobfree.com

Telephone: 443-***-**** or: Mobile: 202-***-****.

SENIOR RISK MANAGEMENT EXECUTIVE

Senior Risk Management Executive with extensive experience in

assessing credit risk. Proven team leader in guiding and directing

credit officers at all levels through the credit review and approval

process. Excellent understanding of various North American

commercial transactions including Mezzanine, Bi-laterals, Structured

Finance, Asset Based Lending, Cash Flow and Commercial Real Estate.

Expert in Capital Markets including Syndications, Securitizations,

Asset and the financial analysis of Mortgage Backed Securities. Keen

analytical skills in preparing Credit Scorecards, drafting credit

policies and recommending risk tolerance levels in CRE portfolio

concentrations. Excellent quantitative and qualitative modeling

skills.

PROFESSIONAL EXPERIENCE

2008-present FINANCIAL INDUSTRY TECHNICAL SERVICES, INC.

NYC/Washington, DC

Senior Credit Risk Management Consultant.

. Plan, direct and administer various risk management consulting

projects primarily in NYC (Manhattan, Bronx, Queens) as well as

metro DC Commercial Banking industry specializing in: oversight

of commercial credit activities for a team of Credit Officers to

ensure consistency with internal risk management policy and

commercial credit laws. Oversee the review of existing commercial

portfolio credits on a periodic basis, analyzing portfolio and

industry trends, monitoring deteriorating and problem account

trends and workout action plans. Active interaction with Workout

Specialists, Credit Management and Finance Divisions. Perform risk

assessments in above risk areas. Critique Credit Policy Manual

and recommended changes based on portfolio trends and economic

conditions. Monitors the overall credit risk exposure to the

Bank. Ensures these areas are consistently and timely identified

on a quarterly basis going forward. Support the planning and

execution of program management and propose mitigation techniques.

Implement credit policy and procedures and provide input and

guidance to the various market committees responsible for approval

of new business loans, pricing and risk rating.

. Projects include: FDIC Shared Loss Administration, Commercial

Loan Troubled Debt Restructurings and Workouts, Asset Liability

Management, Commercial Credit Management and Loan Review, Risk

Mgmt., Portfolio Reporting, Monitoring and Tracking Portfolio

Trends, Model Development and Validation, Profitability Analysis

of LOB's, Quarterly ALLL Calculation w/Projections & Enterprise

Valuations/Merger Analysis.

2006 - 2007 INDUSTRIAL BANK,

N.A.

Washington, DC

Sr. V.P. - Chief Credit Officer.

Oversee the management of the Credit Administration,

Workout/Collections and Loan Operations Departments. Streamline

credit approval and eliminate extra processes. Coach team of credit

analysts in analyzing global cash flow, structuring, negotiating and

preparing credit approval requests of Commercial Real Estate,

Commercial Term, Construction, Community Development, Asset-Based

Lines and Leasing.

Managed Workout Professionals to resolve problem account situations

to maximize the realized value to the Bank in workout scenarios.

Direct OREO and Foreclosure processes that are market sensitive.

Manage Watch List process to ensure appropriate identification and

resolution of problem loans & early detection of potential problem

loans.Restructured ~$42MM in C&I and CRE. Recovered $25MM in CRE

and $15MM in C&I exposure.

Prepare Loan Policies, procedures, strategies and delivery system

for the Special Asset process. Compile and provide comprehensive

portfolio reports and management information regarding the Problem

Loan Portfolio for Executive Management, Directors Loan Committee,

internal and external auditors and regulatory authorities.

Oversee team portfolio management: Pre-screen and assign accounts,

review risk rating upgrades and downgrades, establish turnaround

time, review requests for renewals, modifications extensions and

waivers.

Instrumental in updating ALLL (Allowance for Loan and Lease Losses)

to conform to methodology in FAS 5 and 114. Assisted Finance Dept,

in special Projects- Basel II testing, implementation and reporting

(Risk Based Capital).

Jerome C. BohringeR RESUME.

Page 2.

Industrial Bank Continued.

Report to Directors Loan Committee (DLC) special management reports

including ALLL and Migration Analysis, Portfolio Concentration

Reports, Documentation and Policy Exception Reports.

Recommended risk tolerance level's to DLC on Commercial Real Estate

portfolio.

Used SAS to forecast losses in Consumer Loan Portfolio.

Update Bank's Credit Policy Manual to reflect changes to

underwriting criteria, approval authority and guidelines for return

to accrual status and in many other areas. 3 direct, 10 indirect

reports.

2005 - 2006 BANK OF AMERICA

CORPORATION San Francisco,

CA

Sr. V.P. - Relationship Underwriter Team Leader.

. Primary contact person in managing and leading team of eight

Commercial Line Underwriters in the credit approval process of

Commercial Revolving Lines Acquisition, Development, Construction

Lending including Term and Bridge loans. Community Development

and Commercial Real Estate facilities between $10-$50MM.

Syndicated Project Finance deals from $50-$100MM.

. Coach team in analyzing cash flows, structuring, negotiating and

preparing credit approval requests. Utilizes multiple sources to

identify trends in industry and to incorporate these into the

credit offering memoranda of assigned credit analyst.

. Oversee team portfolio management: review accuracy of risk

rating scorecard calculations (track covenant compliance, early

warning detection models), review modifications, amendments and

waivers, and annual line reviews.

. Pre-screen and assign new accounts, establish turnaround time,

verify accuracy of outstanding exposures and ROI based on

expected credit usage and RAROC, set team production goals and

performance of accounts. Credit approval authority to $5MM. 10

direct reports.

2004- 2005 PONCE DE LEON

BANK

New York, NY

V.P. - Chief Credit Officer.

. Senior Manager/Director responsible for training, management and

oversight of all Bank Credit Departments. Member of Bank Credit

Committee. Review and critique $1-9MM middle-market Commercial

and Commercial Real Estate facilities primarily in the Bronx,

Queens and Brooklyn. Screen brokered deals for purchase and

assign to analysts.

. Restructured $35MM in C&I and CRE. Recovered $27.5MM in CRE and

$7.5MM in C&I exposures.

. Review highly complex commercial real estate credit write-ups.

Evaluate financing of commercial real estate properties (both

interim/construction and permanent/term financing) and community

development including property cash-flow analysis, project

economies and valuation techniques, guarantor and sponsor

analysis, market analysis and offer recommendation. Property

types include: office, industrial, retail, multi-family, rental

and for-sale, residential tract, custom SF & special use.

. Assist in Basel II implementation. Apply SAS and statistical

distribution of losses in operational risk measurement via

business line segmentation. Risk mapping and credit portfolio

concentrations. Data management (historical data mgmt.,

qualitative and quantitative mgmt., extraction, technical

performance, business continuity constraintsconstraints, loading

Data Warehouses, data marts, "ETL" tools, business continuity

mgmt. IT landscaping and other Basel II projects.

. Assist CFO in analysis and purchase of various Capital Market

products including: Credit Derivatives, MBS, ABS and CDO

purchases. Prepare IRR modeling on fixed income (Bond)

purchases.

. Rolled-out FiServe's Loan Processing Software and Fair Isaac FICO

scoring for Mortgage Originations Dept. Restructured all Credit

Departments to insure more efficient and timely credit approval

processes

2000- 2004 Fleet National Bank

New York, NY

V.P. - Senior Commercial Portfolio Manager.

. Primary contact person in managing $200MM portfolio of Syndicated

and Non-Syndicated Commercial Term and Asset-Based Revolving Lines

of Credit to Large Corporate and Middle Market clients for

compliance to FNB credit policies. Facilities in Financial

Institutions, HLT's, Media, Telecom, Apparel and Transportation

industries. Footprint: Manhattan, Queens, Brooklyn some Staten

Island.

. Underwrote and assisted junior underwriters in analysis of

Commercial transactions to $15MM. Utilized WinFast, SAS, Moody's,

KMV and other Portfolio Management packages. Review new and

renewed facilities for adequate loan documentation & appropriate

level of credit approval authority. Prepare and present monthly

portfolio reviews with emphasis on asset quality (covenant

compliance, adequate liquid asset and total collateral coverage).

Identified deteriorating credits, covenant violations, and over

advances and reported on changes in credit quality to Risk

Management. Prepare risk rating changes if necessary.

. Serve as agent of bank group involving the underwriting,

documenting, and ongoing monitoring of covenant compliance,

triggers and servicing of accounts.

. Supervised four credit analysts in preparing Credit write-ups for

credit committee approval on $5MM-$55MM deals and established deal

triggers and sub-limits on BA's, L/C's, steamship guarantees and

airway releases based on projections.

. Assisted in structuring new facilities, assessing risk & potential

mitigant's within acceptable levels and prepared write-ups on more

complex relationships. Assisted in preparing term sheets, line

letters, amendments, waivers and other documentation on new and

existing credits for review by bank counsel as needed. Maintained

daily account servicing functions including wire transfers,

overdrafts, and account maintenance. Worked with Fixed Income &

Derivative Groups to execute interest rate swaps and foreign

exchange lines and prepared referrals indicating line limits and

pre-settlement and daily delivery limits. Prepared quarterly

assessment to team leader on high attention credits with

recommendation to stay and restructure or exit relationship.

. Cross sold numerous Bank products including Trade Finance, Cash

Management, Insurance, Fixed Income, Foreign Exchange and others,

made sales calls in absence of Relationship Manager. Four direct

reports.

1997-2000 Transamerica Commercial Finance Corporation

Hoffman Estates, IL

Senior Credit Analyst.

Developed credit policies and procedures, product enhancements and

process controls to ensure prudent development and expansion of

the factored accounts. Composed and tweaked system requirements

and specifications for Credit-Risk Datamart used for Scorecard

Development and implementation. Evaluated model performance by

model rank ordering, model viability stats and loss performance.

. Hired and trained credit analysts in financial analysis,

documentation and credit skills of factored accounts.

Interfaced directly with clients to resolve credit issues. Prepared

Forbearance Agreements on impaired assets. Prepared monthly reports

to Corporate Credit for portfolio evaluation. Made recommendations

to National Credit Manager on deals exceeding $5MM. 4 direct

reports.

1995 - 1997 State Bank of

Geneva Geneva, IL

Credit Manager. (1995 - 1997)

Senior Credit Analyst. (1995)

1993 - 1995 Austin Bank and Trust Company

of Chicago Chicago, IL

Credit Analyst.

1989 - 1993

Comptroller of the Currency Chicago, IL

Commissioned National Bank Examiner.

EDUCATION

B.S. Finance, Accounting Minor, Western Illinois University,

Macomb, IL

Certified Public Accountant, 1985, Chicago, Illinois.

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