Real Estate Management
Resume:
Hollywood, Fl 33024 Job
(305) 716 - 9000 x 213
Ralph Patterson
Professional Summary:
Banking career with a proven track record in credit administration and
commercial lending, conceptualizes beyond - short term issues; plans long
term innovative solutions and improvements. In addition, strong analytical
and managerial skills, ability to ensure bank's security interest in
approved credits. High level of compliance with bank's lending policy and
regulatory requirements.
Experience:
March 2008 to Present - Great Eastern Bank of Florida, Doral, Florida
Credit Manager - Risk Management
Overall management of the credit department including but not limited to
policy and procedures, analysis for the credit committee and Board of
Directors. Review credit as it relates to policy, the valuation of
collateral and loan grading. Credit includes commercial and industrial
loans, commercial real estate, term loans, asset based financing, Portfolio
management, stress analysis, corporate and personal cash flow analysis.
Reserves in ALLL. SBA guaranteed loans and 504 financing. Coordinate all of
job training including mentoring junior analyst.
April 2006 to December 2007 - Great Florida Bank, Miami Lakes, Florida
Senior Credit Analyst - Risk Management
Responsible for all commercial and asset based analysis for the Board of
Directors. Also, commercial real estate loans over ten million dollars.
Corporate and personal cash flow analysis. Mentored three junior analysts
and assisted in the revision of the bank's credit policy.
October 2002 to April 2006 - Gulf Bank, Coral Way, Miami, Fl
Vice President -Credit Officer - Risk Management
Managed the credit department, responsibilities included the credit policy,
loan grading, and collateral evaluation. Prepared and critiqued junior
analyst presentation for the credit committee and Board of Directors. Also
responsible for non- accruals, charge -offs, watch list and the preparation
of the credit policy. Portfolio management includes preparing proposals for
discussion with senior management and reviewing all policies and
procedures. The reserve in the ALLL accounts. Monitor credit and update
credit performance by completing credit review.
June 1999 to September 2002 - Hemisphere National Bank, Coral Way, Miami,
Fl
Credit Officer - Risk Management
Review domestic credit in relation to bank's credit policy. Credits
included working capital, term loans, real estate and trade financing.
Monitor industry research and studies for use in special reports and
presentation.
March 1990 to April 1999 - City National Bank, New York
Vice President - Risk Management
Overall responsibilities included managing the credit functions of the
department. Credit policy and procedures and loan grading Critiqued
analysis to be presented to the Board of Directors, credits included
commercial & industrial loans, commercial real estate loans, asset based
financing and term loans. Review credit policy and recommend changes to
reflect current economic conditions. Mentored junior analysts, case
studies, and familiarize analyst with Standard & Poors, Moodys and RMA.
February 1985 to February 1990 - Bank of NY/Nat West Bank, NY
Formal Credit Training Program - 1985 to 1986
April 1986 to 1990 - Vice President - Risk Management
Completed twelve months formal credit training program which included but
not limited to class room lectures and studies, spread sheet analysis,
written analysis, presentation to credit committee, field visits with
senior lenders, and rotation in other departments. In addition,
documentation training was a part of the program.
Education:
Pace University New York
BBA Accounting (Major)
Finance (Minor)
Accomplishments:
. Consistently maintained a one and two score rating from regulators for
credit and loan portfolio
. Repeatedly mentioned by regulators for clarity and quality of analysis
and monitoring loan portfolio.
. Mentioned by regulators for mentoring skills to junior analysts
References:
Richard Dailey President & CEO Union Credit Bank
Mark Long EVP Eagle National Bank
Bruce Anglin SVP Coconut Grove Bank
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