BRETT AYERS

*** ***** **** ****** ****, North Carolina 27517

919-***-**** ac1p0j@r.postjobfree.com

US COMMERCIAL CREDIT AND RISK MANAGER

Dynamic Director of Commercial Credit Risk and Underwriting with more than 13 years of financial industry experience. Demonstrated underwriting expertise with Commercial, CRE, C&I, Unsecured and Leveraged Space loans with personal approvals up to $1 million dollars per loan. Proven credit team and portfolio management and analysis experience. Skilled at loan risk analysis developing data comparison analytics and metrics to rate default migration patterns. Solid knowledge of credit review policies and procedures to ensure best practices, and legal and regulatory compliance.

Commercial Credit Risk Budgeting / Forecasting Market Indexing / Valuations Financial Statements

Risk Management M&A Reporting Business Development Communications Retail Lending

Financial Analysis Modeling Validation Consulting SOX Compliance Team Leadership / Motivation

Venture Capital Analysis Leveraged Lending Analysis Loss Migration Analysis Credit Review Underwriting

Credit Testing Risk / Credit Policy Performance Management Loan Portfolio Analysis Client Relations

Commercial / Syndicated Lending Credit Review Determination/Construction Commercial Real Estate Lending

Targeted Portfolio Wide Review Creation Deal Structures Credit Team Leadership Portfolio Management

Budgeting and Ratio Analysis Balance Sheet and Income Statement Role up Forecasting Counterparty Risk

P&L entry and analysis Equipment Leasing/Financing (Large and small equipment) Commercial Space Utilization

LENDOnate Raleigh, North Carolina 1/2017 – Present

Lending platform focused on providing access to capital markets to nonprofits as well as access to donations from the private and institutional world.

Chief Credit Officer

Developed all financial risk measurements and models as well as building out cash flow worksheets. Worked with sales group in approaching both prospective borrowers and lenders for the platform.

Achievements:

Developed risk rating model using large national database of nonprofit borrowers with over 4 years of historical data determining based upon geography, revenue size banding where each model for each business type subset needed to be set and which ratios were to be used for each individual model.

Worked with the sales group to develop a roadmap of high worth contact groups including national and regional levels nonprofits as well as local CDFI’s that need to be contacted by LENDOnate.

Provided financial analysis of prospective borrowers as well as lenders, where applicable, for the sales group as a primer prior to any meetings being had on behalf of LENDOnate.

CUSHMAN AND WAKEFIELD Raleigh, North Carolina 11/2015 – 4/2016

Global Real Estate Management Company managing leases and real estate sales.

Financial and Data Analyst

Developed financial, cash flow, and data comparison analytics. Created two major group reports and client financial budget analysis. Worked with controller for quarterly reporting.

Achievements:

Prepared accurate reports for risk analysis and security for $115 million real estate portfolio. Assembled five data sources for imbedded excel formulas analysis.

Developed end-to-end space matrix tool for property analysis. Utilized tool for 75 properties to determine potential savings for downsizing or subleasing vacated space to save client cost.

BRETT AYERS Page 2 ac1p0j@r.postjobfree.com

Created centralized dashboard to track individual properties and portfolios. Developed Microsoft Power BI program linked to three data depositories to create dashboards capable of analyzing six to eight critical data points.

THE FIDELITY BANK Fuquay-Varina, North Carolina 8/2014 – 2/2015

Privately owned community bank with around $1 billion in total assets.

Chief Credit Risk Officer

Performed monthly credit reviews for 90 to 120 loans. Analyzed credit soundness, collateral and documentation. Vetted third party vendors quarterly. Managed a team of two direct reports. Chaired monthly credit review meetings involving CEO, CCO, two board members and all three regional directors. Reported to board quarterly involving current portfolio macro and micro movements relative to risk, asset classifications as well as over-all credit rating migrations.

Achievements:

Reduced monthly report processing time from three to five days to one. Worked with software vendors to streamline report operations into an automated process.

Developed monthly local and regional macro-economic conditions reporting for portfolio risk and FICO rating migration. Added underwriting global cash flow methodology and metrics tracking for risk level assessments. Utilized

salary and unemployment county data from North Carolina website to evaluate local economic conditions to evaluate regional portfolio macroeconomic risk.

Launched credit review of non-performing and Trouble Debt Restructured loans on regulator’s recommendation. Reviewed 120 loans carrying a TDR status discovering 30 of 120 loans designated as non-performing were paid or written off, and were incorrectly recorded on the general ledger system. Validated and in some cases provided new collateral and or PVFC valuations based upon the primary method of repayment of each troubled loan.

PNC Raleigh, North Carolina 1/2010 – 8/2014

American financial services corporation with over $300 billion in assets.

Senior Credit Risk Review Officer

Prepared quarterly reviews of large corporate loans. Designed targeted reviews to analyze risk. Provided independent oversight of the lending portfolio to ensure compliance with financial laws and regulations. Reviewed bank’s policies and procedures for lines of business including CRE, IRE, C&I, Leveraged Lending, Equity Sponsorship, Tax Based Lending, Business Banking and specialized lending. Established best practices regarding leveraged lending, international risk analysis and its impact on probability of default rating as well as counterparty risk analysis. Conducted quarterly SOX testing reviews regarding all components of ALLL submissions.

Achievements:

Reviewed Commercial and Industrial portfolios for internal policy compliance and risk. Targeted 30 borrowers for review based on international exposure and developed metrics to determine the level of EBITDA derived from outside North America. Found 24 0f 30 borrowers with total exposure of $1 billion lacked proper international exposure risk assessment. Developed recommendations to qualify and mitigate risk.

Researched Venture Capital firm loans as part of the Credit Risk Review team. Examined risk mitigation and quantification for underwriting of continuous pro-forma and adjusted financials. Reviewed migration of loans to special assets. Discovered substantial number of loans not repaying principal over the first three to five years of the loan or booked to special assets group in under 12 months.

Analyzed major loans tied to municipalities and states experiencing declining populations with large public union pensions and medical obligations. Applied actuarial accounting to assets and obligations and determined a $1.2 trillion shortfall.

FIFTH/THIRD BANK Raleigh, North Carolina 7/2008 – 12/2009

Regional US Banking Corporation.

Senior Credit and Portfolio Manager

BRETT AYERS Page 3 ac1p0j@r.postjobfree.com

Served as field underwriter and portfolio manager with lending authority up to $1 million. Worked with five business banking loan-officers producing revenues $500,000 to over $20 million annually. Client facing role. Underwrote SBA, C&I, CRE, Equipment, corporate cards as well as all other asset based loans. Established the probability of default, did all cash flows as well as structured and priced loans.

Achievements:

Underwrote, originated and structured new loans within the greater Raleigh area expanding loan book from $2 million to $15 million within nine months.

FIRST BANK Troy, North Carolina 5/2003 – 7/2008

Community bank serving North Carolina, Virginia and South Carolina with total assets of $2 billion.

Regional Credit and Portfolio Manager

Served on approval team underwriting loans with greater than $1 million in exposure. Performed annual reviews and worked with loan officers and regional directors to structure large loans. Provided monthly interest rate shock analysis for the loan portfolio and compiled county-by-county financial condition and movement reports and risk assessments.

Achievements:

Developed in-house database query tool to determine county-to-county analysis. Allowed risk assessment based on the general economic conditions.

Researched Troubled Debt Restructures by studying general ledger system and pulling loans with fixed payments, floating rates and amortizations over seven years. Discovered $350 million out of $1.9 billion in total loans fell into this category. Assembled data on excel spreadsheet providing renewal and risk information for executive leadership.

Analyzed credit worthiness of complex commercial, mortgage and investment loans by compiling financial information global cash flows and relationship summaries. Developed list of client relationships over $1 million for external-auditor credit portfolio review.

Underwrote larger commercial relationship loans from $1 Million in exposure up covering agriculture, residential A&D, commercial, maritime, equipment, personal, small business and other various categories of lending.

Additional Experience

Venture Capital Risk and Performance Analyst, JP Morgan Chase, Brooklyn, New York

Treasury Officer for Equity Backed Derivatives, Republic National Bank, New York, New York

Derivative Portfolio Manager, Bear Stearns, New York, New York

Mark to Market Officer, Bankers Trust, New York, New York

Foreign Exchange Officer, CitiBank, New York, New York

Assistant Basketball Coach, Stevens Tech, Hoboken, New Jersey

EDUCATION

Bachelor of Arts in Economics and History

Fordham University, Bronx, New York

PROFESSIONAL TRAINING

North Carolina School of Banking, Chapel Hill, North Carolina 2004-2007

COMPUTER SKILLS

Microsoft Office Suite, Tableau, MS Power BI, Lotus Notes,

Investran, Baker Hill Credit Software, Capital Stream, D&B, Moody’s Spread Analysis

OTHER ACCOMPLISMENTS

Member men’s varsity basketball team Fordham University

Contact this candidate