ANTHONY P.VALVO

One Far View Terrace

Airmont, NY 10901

845-***-**** (H) / 845-***-**** (C)

abnjbz@r.postjobfree.com

Over eighteen years of experience in Private Banking and Commercial Credit with substantial credit authority,

risk management and business oversight. A proven, results oriented, leadership background in all aspects of credit

and lending including credit program management, problem loan management, portfolio and profit metrics. An

excellent and wide ranging understanding of complex credit structures and remedial loan strategies. Recognized

for problem solving and partnering in diverse and dynamic settings. A consummate player / coach.

EXPERIENCE:

Citigroup - Private Bank / Structured Lending

7/97 – 10/09

6/06 – 10/09: Credit Director, (Senior Credit Officer)

Simultaneously, managed two credit focused businesses with direct P&L and portfolio management

responsibility. Actively managed both current and classified credits and consulted on workout strategies for

some of the largest and most complicated credits.

Business and Product Head - US Business Finance Group: a national business providing

corporate finance solutions to the High Net Worth (HNW) entrepreneur through a commercial

lending product. Target market companies included those with revenues ranging from $25MM to

$10B and transaction sizes of $10MM to $500MM. Transaction types include: Leveraged

recapitalizations, working capital facilities, term loans, ESOPs, M&A facilities and counterparty

risk – swaps, f/x, etc. Overall business head leading two teams of credit professionals (East and

West) managed out of four locations across the US.

Handled the strategic and operational direction of the credit product and interfaced across the

Citibank platform with Risk Management, Audit, Compliance, Credit Policy and senior business

managers. Was the lead interface for Business Finance’s participation in the U.S. Government’s

Ring Fenced Asset Program (Gov’t Guarantee), which included substantial reporting and

compliance work with the OCC, Federal Reserve and U.S. Treasury.

Mid-Atlantic Region Credit Director – HNW Group: a regional HNW / private bank lending

business encompassing New Jersey through North Carolina with key locations in NY, NJ,

Baltimore, Philadelphia and Washington DC. Portfolio ranged widely in scope and included

credit exposure related to: margin securities, derivative products, counterparty exposure,

structured investment product, real estate, unsecured lending, art lending, executive aircraft, hedge

fund, and private equity finance.

Created and grew this business over a three-year period with high portfolio quality and overall risk

metrics. Set credit standards and product expectations for the credit team and private bankers.

Lead portfolio reviews on the lending products outlined above.

Citigroup – Risk Management / Special Assets and Recovery Group

9/01 – 6/06: Credit Director, ( Senior Credit Officer)

Managed classified risk/loan exposure for the entire US Private Bank and Smith Barney client base ranging

from corporate credits - including asset based, business valuation and cash flow transactions - to high net

worth individual transactions that included investment real estate, aircraft, art and other highly structured

finance deals. Transactions ranged from $15-$200 million with concentrations in leveraged restructures and

other “turnaround” situations.

Managed a team of credit professionals and workout officers

Directly interfaced with internal audit and compliance

Substantial client contact and relationship management

Management of multi-bank credits

Worked with line partners to ensure a proper transition of relationship(s) and consultation on

difficult credits

Formulated, analyzed and implemented remedial management loan strategies

Set loan loss reserves and created underlying methodologies

Creatively structure new and existing credits within the Private Bank and Smith Barney

Worked with attorneys, restructuring partners, venture capital firms, crisis managers, etc

Litigation management including: foreclosure, business liquidation and bankruptcy

On a temporary basis, also served as the Private Bank’s Risk Manager for the US and Global

Trust businesses, which dealt primarily with fiduciary and counterparty risk.

6/98 – 9/01: Vice President (Senior Transactor / Team Leader)

Responsible to market and structure credit products to (for) Smith Barney’s High Net Worth Clients.

Built out a start-up business involving the cross-sell of credit products to high net worth individuals and their

corporations. Portfolio increased 300% to over $3 Billion in three-years with high credit quality. The credit

product was broad based and included direct lending and counterparty risk as previously described.

Developed a unique understanding of the brokerage model and client base.

7/97 – 6/98: Vice President (Investment Finance Officer)

Managed a $150 million credit portfolio involving high net worth transactions. Substantial businesses and

capital investment analysis as well as quantifying credit exposure associated with Capital Markets products.

Analyzed, Structured and closed highly tailored credit facilities to individuals. These include corporate

executives, business owners, investment professionals, real estate investors, securities lending and unsecured

lending transactions.

The Bank Of New York - Corporate Banking Division

5/96-7/97

Assistant Vice President (Relationship Manager/Team Leader)

Responsible to maintain and build corporate banking relationships.

Product lines included lines of credit, term facilities, cash management, letters of credit and bankers

acceptance financing. Provided team guidance and oversaw all credit analysis and portfolio administration.

Experience structuring multi-bank credit facilities up to $220 million in overall credit exposure.

Fleet Bank N.A. - Commercial Banking Group

9/91-5/96

Assistant Treasurer (Relationship Manager)

Maintained a commercial banking portfolio of companies in the $10 to $800 million sales range

Selected to participate in a broad-based management training program that encompassed formalized

corporate finance, credit and business analysis training

Conducted rotational projects across all areas of the Bank which included the following:

• Marketing and retail banking • Audit

• Capital markets • Financial control

EDUCATION: City University of New York – Brooklyn College

Bachelor Of Arts Degree ~ Majors in Economics and Communications

Certificate of Achievement in Accounting / Presidential Academic Fitness Award

Chartered Financial Analyst Program

Kellogg – Bank Management Program

Series 7 and 63 (now dormant)

SPECIAL SKILLS OR AWARDS:

FAA Certified: Commercial Pilot with Multi-Engine and Instrument Ratings

Mason, Eagle Scout

INTERESTS:

Boy Scouting, Hiking, Photography, Aviation, Baseball, Racquetball, and Music

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