Wayne P. Gray

*** **** **** ****** 646-***-****

New York, NY 10065 ac3jl2@r.postjobfree.com

SUMMARY

Senior Financial Risk Manager with extensive experience in quantitative & qualitative analytical experience lending to distressed leveraged companies in order to comply with both domestic and international regulatory compliance bodies: FSA; FRB; BaFIN. I have developed the ability to assess commercial credit risk of varied companies incorporating extensive financial analysis both historical and projected performance. Formally Credit Trained.

Credit Risk Monitoring

Profitability Enhancement

Regulatory Compliance

Assessing Loan Agreements

Cross-selling all bank products

Financial Planning and

Developed Syndication strategies

International banking

Financial Modeling

Reporting

PROFESSIONAL ACCOMPLISHMENTS

Consultant, New York, NY 2016 - Present

Responsible for the full life cycle of client’s loan agreements from: negotiating loan agreements; creating multi-year financial projections; negotiating financial covenants; and, detailed terms and conditions. Additional responsibilities include, but are not limited to, forensic bankruptcy analysis and corporate restructurings in order to properly align feasibility of repayment of senior secured loan obligations to revised cash flow projections.

WestLB/Portigon, New York, NY 2009 -2015

Credit Analytics & Review- Director Leverage Finance

Engaged for the specific purpose of augmenting regulatory oversight and financial compliamce, rating review and financial assessment of internal compliance rating models in order to assure full regulatory compliance. In order to successfully assist with EC directives to transition solely to a service institution, as well as, liquidating foreign branches this included:

Prepared all written transaction assessments including initial analysis, annual review, and all ongoing written re-assessments. This led to credit monitoring enhancement.

Recommended credit exit strategies to avert loan losses.

Devised Excel based format for quarterly covenant observance relative to prior quarters.

Revised internal credit risk rating models.

Created Early Warning Signals to provide potential credit concerns preceding any covenant breaches or relaxed amendment requests.

MIZUHO CORPORATE BANK, LTD., New York, NY 2006 –2009

Vice President, Corporate Finance Americas Division –Media, Telecommunications & Leisure

Executed all credit risk transactions for $2Bn media and communications portfolio ranging from equipment manufacturers to service providers: ensured adherence to Bank Credit Policy; feasibility of repayment via cash flow

and sufficient collateral coverage. Implemented Credit Risk Review initiatives focused upon portfolio monitoring, covenant compliance, and actual company financial achievement versus KMV implied performance. Acted as independent line contact with the Credit Division to facilitate approval of credit requests. Enhanced proposed transaction structures to alleviate any potential credit risk posed. Value Added Accomplishments:

Accessed commercial credit ratings for loan portfolios [both borrower and transaction risk] predicated upon internal quantitative models, as well as, external analytical sources.

Utilized CapitalIQ, Thomson Reuters, and Z-factor analysis to assess Probability of Default & LGD.

Conducted borrower peer analysis to determine the credit quality of existing portfolio, and recommended exit strategies to highlight major credit risks to senior management

Wayne P. Gray Page 2

MILLER ELLIN & COMPANY [CPA firm], New York, NY 2003 –2005

Responsible for the oversight and review of various financial institutions commercial credit/underwriting policies and current portfolio management, as well as, collateral monitoring. Value Added Accomplishments for clients:

Analyzed cash flow lending guidelines & recommended Advance Rate improvements for client’s protection.

Conducted forensic analysis of bankruptcies to ensure complete repayment of senior debt obligations.

Recommended revisions in bank credit policy for ongoing monitoring procedures of collateral. Gauged feasibility and viability of borrower’s projected financial statement and business plans. Implemented exit strategies in instances of compromised credits, in order to minimize potential loan losses.

ROYAL BANK OF CANADA, New York, NY 1997- 2001

Manager, Technology, Media & Telecommunications Group

Directed oversight of distressed bank assets (focused on highly leveraged media companies). Prepared all written internal bank credit requirements. Extensive loan & documentation review to ensure it maintains credit criteria & internal bank policy. Determined credit worthiness of proposed restructurings geared towards alleviating both senior and junior debt loads.

Analyzed reorganization plans for operational and debt repayment feasibility.

Significant documentation negotiation to assure bank priority claim to assets, enforceability of guarantees, and structural subordination of other obligations.

Determined whether existing collateral package was compromised due to bankruptcy filing or lack-luster operating performance.

THE DAIWA BANK, LTD, New York, NY 1994- 1996

Vice President, US Corporate Finance

Responsible for unwinding commercial portfolio in excess of $600MM (investment & non-investment grade assets).

Significant negotiations with major international banks to determine the acquisition price of non-impaired commercial assets.

The successful liquidation of credit-impaired assets via secondary market sales

NATIONAL WESTMINSTER BANK New York, NY 1987 –1994

Vice President, Wholesale Banking Sector

Successfully managed relationship banking & new business development for New York based middle market companies. Originated & structured financing alternatives including acquisition finance, term facilities, & working capital support.

Developed specialty lending unit to book and magazine publishers.

Significant responsibility for analyzing acquisition financing.

Completed intensive 16 month formal credit training program in preparation for advancement to line officer.

EDUCATION

ST. LAWRENCE UNIVERSITY, Canton, New York 1983 -1987

B.S. Economics; B.A. History, Cum Laude; Dana Scholar

Activities: Phi Kappa Sigma, Vice President [1986 - 1987]; Phi Alpha Theta [History Honorary], Vice President [1986 - 1987]. Educational Highlight: Studied abroad: 1985, London, England: 1986, Florence, Italy.

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