Customer Service Manager

**** **** **** ****

Powell, Ohio ***** Phone 614-***-****

E-mail *******@********.**.*** IAN P. KOHLER

Objective A position in Credit or Collections management

Skills Profile - Managed up to 15 credit and documentation

analysts

- Experience in proprietary programs Leasepak and

Sales Logix

- Perform financial statement analysis on

commercial or non-profit businesses

- Write document addendums in coordination with

legal counsel

- Experienced in collections and workout most

recently with SBA loans

- Knowledgeable in documentation and funding

including SBA

- Create desk top procedures, policies and product

profiles

- Collections and workout including SBA demands

for repurchase

Work experience -Feb. 2009 to Mar. 2010 Main Street Bank Columbus,

OH

AVP Credit Manager

Analyzed transaction requests from $10 thousand to

$3 million with an emphasis on medical, dental,

pharmaceutical, optometric and accounting

practices.

-Aug. 2007 to Feb.2009 Midwest Business Capital a

division of United Midwest

Savings Bank Columbus, OH

Sr. Vice President / Chief Credit Officer

Managed a $60 million commercial real estate

portfolio consisting of both conventional and SBA

loans.

Coordinated and scheduled loan committee for new

loan requests.

Prepared demands for secondary market investor

repurchase by the SBA

Work closely with workout to achieve orderly

liquidation

Made collection calls and sent letters.

-Oct. 1998 to Aug. 2007 Bank of America (through

acquisition of MBNA America on 1/1/06) Columbus,

OH

Credit Manager - Vice President

Managed up to 7 credit analysts processing

transaction requests from $5 thousand to $1

million. Prepared credit presentations for more

difficult or complex requests.

Credit approval limits up to $750 thousand

Instructed credit analysts on regulatory compliance

relative to Regulation B, OFAC, USA Patriot Act

and Regulation O

Contributed to the funding of $550 million in new

business in 2006, by managing the flow of requests

to credit, reviewing for completeness and assigning

requests to credit analysts taking into

consideration, their workload and level of ability.

Coordinated with sales management to assure credit

submissions were complete and provided input to

sales management on areas of improvement.

Managed customer service requests for release of

collateral.

Managed a funding unit and oversaw the review of

all new loans being processed to assure documents

were appropriate and correct in coordination with

legal counsel, that lien searches had been

conducted and that the bank was in a first lien

position either through a blanket filing or through

Purchase Money Security. Assured funds being

disbursed were equal to or less than the amount

approved by the credit staff.

-Sept. 1987 to Oct. 1998 Banc One Leasing

Corporation Columbus, OH

Sr. Risk Analyst (AVP 1995 to October 1998

Responsible for preparing quarterly loan loss

reserve report for the leasing company

Developed and presented monthly charts and reports

to the president of the leasing company on various

topics such as delinquency and charge offs, credit

risk rating changes, industry penetration and

diversification.

Preparation of FAS 15 and FAS 114 reports on

troubled debt.

Performed internal loan reviews and coordinated

with corporate loan review and auditors and

regulatory agencies such as the O.C.C.

Participated in due diligence trips during

acquisitions.

AVP-Credit Manager Jan. 1992 to 1995.

Was an integral part of the merger of a specialty

finance group (franchise operations) into a unit

specializing in office equipment.

Instrumental in developing a health care lending

group which ultimately focused on the dental

industry.

Senior Credit Analyst Oct. 1987 to 1992.

Performed due diligence on transactions ranging

from $10 thousand to $2 million. Reviewed a wide

variety of lease requests from office furniture

fixtures and equipment to over the road vehicles,

construction equipment, manufacturing equipment,

health care equipment and aircraft. Credit

authority level was $1 million.

Jan. 1980 to Sept 1987 CIT Group; - Equipment

Finance, Columbus OH

Senior Credit Analyst

Responsible for credit analysis, collections and

workout of a portfolio totaling approximately $250

million.

Lending experience was focused on construction

equipment, over the road vehicles, logging, dental

and factory equipment. Due diligence was based

primarily on trade experience, bank experience,

some review of financial information with a focus

on cash flow.

Managed a logging equipment portfolio and a

trucking portfolio.

Education Bachelor of Arts - University of Wisconsin -

Superior

ABA courses in Accounting, Financial Statement

Analysis, Credit Analysis, and Analyzing Tax

Returns.

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