P A T R I C K O ’ N E I L L

** ** * * * A L E RO A D, B E LMO N T, MA S S A C H U S E T T S 02478

( 6 1 7 ) 489- 4655 [ H ] ( 6 1 7 ) 817- 0930 [ C ] J . P a t . ON e i l l@gma i l . c om S U M M A R Y

Asset Management/Credit professional with 30 years of progressive, high performing experience in national lending firms and Investment Banks. Strengths and achievements include:

Commercial and residential real estate broker

Regional Commercial Credit Manager for major US/Canadian bank

Senior Credit Officer for a $7 billion bank

Director of Asset Management for $800 million Lehman Brothers affiliate specializing in distressed real estate debt

Chairman of Loan Approval Committee for an $800 million equipment leasing company

Chief Credit Officer of Citizen’s Bank Mid-Atlantic; loan approval authority of $10 million

Director of Credit Review reporting directly to Citizen Financial Group CEO and Board of Directors

Commercial and Real Estate workout specialist with extensive experience managing problem loans; skilled at restructuring and retaining customers, minimizing potential bank losses and maximizing charge off recoveries

Responsible for establishing loan loss reserve and charge-off levels E X P E R I E N C E

CENTURY 21 ADAMS LAWNDALE, BELMONT MA Present

Real Estate Broker for residential and commercial properties in the Greater Boston area. TD BANK, NA 2011-2014

Senior Vice President, Regional Commercial Credit Manager Oversaw all credit management responsibilities for the $2.5 billion Southern New England portfolio.

Responsible for oversight of entire Credit Management Department (110 employees) with 7 direct reports

Worked with line management in the structuring/restructure of all R/E and C&I commercial credits

Reported to the TD Bank N.A. Senior Lender

Interacted with Commercial Credit Department on a daily basis in seeking approval of transactions EASTERN BANK, Boston, MA 2010

Senior Vice President, Senior Credit Officer

Oversaw all credit responsibilities for the bank’s real estate, commercial and industrial and small business lending groups.

Co-chairman of Loan Approval Committee

Directly responsible for the bank’s Loan Review, Appraisal and Credit MIS departments LEHMAN BROTHERS BANK, FSB (Capital Crossing, LLC), Boston, MA 2007–2009 Senior Vice President, Director of Asset Management Oversaw 26 bank officers with a combined portfolio of over 3,000 non-performing, sub-performing and performing assets with a general ledger balance of over $800 million and an annual department budget of over $10 million.

Recommended prudent and aggressive tactics for the portfolio (i.e. foreclosure, loan modification, note sales, etc.) to obtain the highest return and monitor the same through closure

Coordinated all 3rd party loan sales (i.e. asset selection, marketing and price negotiation) with over $100 million in transactions completed

Maintained daily contact with the firm’s internal appraisal, legal and acquisition departments, as well as contact with outside law firms, brokers, and engineering firms

Voting member of the firm’s loan committee charged with the review and approval of action plans for all assets of the firm, as well as REO holdings and new loan requests

Coordinated and oversaw the completion of all month-end and quarter-end reporting, including delinquency, non-accrual projections, all reserve and rating change recommendations, as well as quarterly income forecasts CROSSHARBOR CAPITAL PARTNERS (Winmark Equipment Finance), Boston, MA 2003–2007 Senior Vice President, Chief Credit Officer

Served as Chief Credit Officer of this equipment leasing company growing assets from the startup phase to an $800 million loan portfolio.

P A T R I C K O ’ N E I L L P A G E 2

Chair of Loan Approval Committee; recommended acceptable credit transactions to committee and investors; reported portfolio credit trends and findings

Set credit policy, including establishing standard procedures and ensuring adherence to mitigate risk

Developed and administered risk rating and reserve system and implemented appropriate risk management techniques

CITIZENS FINANCIAL GROUP, INC. (owned by The Royal Bank of Scotland plc) 1995–2003 CITIZENS BANK MID-ATLANTIC, Philadelphia, PA

Senior Vice President – Chief Credit Officer (2001–2003) Served as Chief Credit Officer and Special Assets Division Head managing both credit and workout staffs.

Daily monitoring of an $18 billion commercial and consumer loan portfolio

Directed the commercial loan approval process with loan approval of $10 million; chaired commercial loan approval committee meetings and directed activities of individual credit officers

Managed a team of workout professionals and oversaw $200 million commercial workout portfolio

Developed and adhered to credit policies and procedures CITIZENS BANK, Boston, MA

Senior Vice President – Director of Credit Review (1998–2001) Served as Director of Credit Review reporting directly to the Chairman of Citizens Bank.

Developed progressive and competitive credit review policies and procedures

Ongoing monitoring of the credit quality of the commercial, residential and consumer portfolios ensuring adherence to established lending policy

Administered the systematic risk review of the bank’s entire loan portfolio

Managed and directed a professional staff of 20 credit review officers

Analyzed and reported to senior management and Board of Directors credit review findings relative to acceptability of credit risk within each loan portfolio Senior Vice President – Special Assets Division Head, Boston, MA (1995–1998) Chief Workout and Recovery Officer for a $400 Million portfolio of commercial at-risk credits.

Identified, monitored and restructured endangered credits, as well as the collection and recovery of past due and written-off commercial and consumer credits

Supervised a professional workout staff of 30 officers; mentored staff training and development

Bank-wide management of criticized loan portfolio, including: directing work out strategies, approving settlements, and supervising the disposition of $200 million in commercial assets via note sales FLEET FINANCIAL GROUP (FFG), Boston, MA 1991–1995

FLEET MANAGEMENT AND RECOVERY CORPORATION (FMRC – a wholly-owned subsidiary of FFG) Vice President, Group Leader – Managed Assets (1992–1995)

Managed 15 loan and REO workout officers; directed a variety of workout and collection strategies

Oversaw a $1 billion performing and non-performing real estate and REO portfolio RECOLL MANAGEMENT CORPORATION (a wholly-owned subsidiary of FFG) Vice President – Loan Recovery Division (1991-1992)

Managed a $150 million loan portfolio: exercised various workout strategies, including foreclosure, restructure, deed-in-lieu and bankruptcy proceedings ADD I T I ONAL EXPER I ENCE I NC LUDE S :

BANK OF NEW ENGLAND, N.A. (purchased by FFG in January, 199*-****-**** Vice President – Controlled Loan Division (2 years) Vice President – Lender, Metropolitan Group (5 years) Audit Department – Senior Examiner (3 years)

E D U C A T I O N

UNIVERSITY OF MASSACHUSETTS

M.B.A., Isenberg School of Management, Amherst, MA B.S., Business Administration and Accounting, Lowell, MA

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