James Henry McDonald
Highly knowledgeable, creative and result-oriented Banking professional with 20+ years of experience in
the Banking industry commencing with formal credit training culminating in Relationship and Portfolio Management. A history of maintaining positive customer relationships through Commercial Lending in CRE and C&I as well as Portfolio Management in Leasing and Healthcare. A successful track record in Business Development as a CRE lender and an equally successful history expanding business relationships as a Leasing Program Officer in Technology and Healthcare. A solid background of planning and delivering effective strategies while collaborating with team members and providing guidance to direct reports. Adept at responding to changing situations, able to consistently exceed expectations, while still meeting critical project deadlines. An amalgamation of qualifications, professional and education experience is further detailed below.
Credit Risk Management, Debt Restructuring, Loan Workout, Credit Analysis, Underwriting and Financial Analysis
Experienced in staff management, including hiring, training, motivation, and evaluation
Excellent verbal and written communication skills
Demonstrated ability to build rapport with people of diverse demographics
Demonstrated ability overcome obstacles, meet deadlines, and exceed expectations
BANK LEUMI USA September 2018 – Present
Senior Portfolio Manager in Commercial Middle Market – Vice President (9/18 – Present)
Senior Portfolio Manager that reports to the Chief Regional Credit Officer (CRCO) and partner with Relationship Managers (RM’s) as a senior member of the underwriting team to support loan origination, portfolio monitoring and growth. Key responsibilities include:
Determine account monitoring needs working with the RM’s during underwriting process.
Maintains the credit monitor tracker(s) including all ongoing monitoring requirement and compliance with all terms of the loan agreement (i.e. covenants, borrowing base availability, insurance, and third-party reports).
In coordination with the business teams, maintains direct contact with clients as needed for collecting information or advancing new loan requests of existing clients.
Validate and analyzes reports such as CFE’s, appraisals, engineering reports, financials, borrowing base etc. to determine whether the account complies with covenants, loan to value, advance rates, budgets etc. Issues and files credit monitoring reports at required intervals.
Escalates issues to appropriate levels, develops action plans if necessary, working with CRCO, Industry Head and Chief Commercial Regional Officer (CCRO).
Provides no less than semiannual reviews on all credits and annual reviews on multiyear credits.
Prepares all Credit Quarterly Sensitive sheets and analysis as well as other portfolio management reports as required.
Performs renewals, increases, extensions and modifications on existing client relationships.
Point person for the region in discussing content related to Loan Review and Audits.
BANK of AMERICA November 2010 – August 2018
Specialized Industries Senior Portfolio Manager (Healthcare & Institutions) – Vice President (7/17 – 8/18)
Responsible for ongoing management and primary accountability for all monitoring and maintenance activities on higher composition of a $700 million complex client relationship portfolio. Key responsibilities include:
Underwriting and structuring complex credit transactions
Lead the credit approval process with minimal oversight as well as documentation and closings for straightforward and complex credit transactions
Monitor clients operating performance and financial condition to proactively identify issues and opportunities
Deliver financial, industry, economic and other analysis to facilitate decision making, while ensuring adherence to credit policies, guidelines and applicable regulatory requirements
Provide coaching and support to junior credit products team members and partner closely with Credit Products Officer
Banc of America Global Vender Finance Senior Leasing Program Portfolio Credit Manager (Technology & Healthcare) – Vice President (2/15 – 7/17)
Risk Management Portfolio Officer of private label vendor programs (Microsoft, Apple, Huntington, Arrow and CA, Inc.) for the US, EMEA and APAC regions which generate annual revenues in excess of $900 million. Key responsibilities include:
Evaluate and underwrite new vendor program opportunities
Review and approve written analysis presentations prepared by credit officers for Large Corporate Technology and Healthcare transactions
High signing approval authority for transactions up to $25 million
Senior Credit Officer – Vice President (11/10 – 2/15)
Asses analyze existing and new relationships with end users for the various vendors of the Global Vendor finance platform, while participating in structuring complex lease transactions. Key responsibilities include:
Prepare written presentations for Large Corporate (>$250 Million in revenues) entities for both technology and general industry companies
Review and analyze financial statements to determine the financial strengths and cash flows of current and potential borrowers
Prepare and update risk rating scorecards to properly rate current and potential borrowers
Oversee compliance for Portfolio Analytics and Portfolio Underwriting Variances for United States and United Kingdom Global Vendor Finance offices
MB FINANCIAL BANK (formerly NEW CENTURY BANK) 4/00-11/10
Commercial Lending Officer – Vice President (12/08-11/10)
Manage a $75 million portfolio which included Commercial Real Estate and Commercial and Industrial Portfolio post New Century Bank acquisition. Key responsibilities include:
Perform loan workouts, loan restructures non-judicial foreclosure and loss mitigation through the loss share program with FDIC.
Approve property evaluations prepared by Analysts for Commercial Real Estate properties in the Bank’s acquired asset portfolio
Review and analyze Bank portfolios to determine the viability for acquiring additional Banks.
Commercial Real Estate Loan Officer – Vice President (11/01 – 12/08)
Prior to New Century Bank’s acquisition by MB Financial, managed a $60 million Commercial Real Estate portfolio and Business Development as a CRE Loan Officer. Highlights included:
2008: Closed $27 million in new money loans and generated $150,000 in fees
2007: Closed $37 million in new money loans and generated $380,000 in fees
2006: Closed $30 million in new money loans and generated $252,000 in fees
Served as the lead lender in a $75 million syndication for the bank
Played a key role in business developments when opening second branch located in Bucktown neighborhood in Chicago.
Senior Credit Analyst – Assistant Vice President (4/00-11/01)
One of two analyst to assist in establishing the credit department for a De novo Bank
Reviewed, analyzed and prepared loan commitments for real estate and commercial and industrial business for loan committee
Reviewed loan commitments & financial statements to ensure adherence to existing policy guidelines and to ensure adequate collateral and/or guarantee
Attended client meetings with Business Development Officers
LINC CAPITAL, INC. 1/99-4/00
Senior Credit Analyst for Vendor Services
Prepared transactions above $500,000 for senior management
Reviewed and analyzed financial statements to determine the financial strengths and cash flows of potential borrowers
US Bank 1/98-1/99
Reviewed, analyzed and prepared loan commitments for approval
Oversaw adherence to guidelines and adequate collateral and/or guarantee
Formally credit trained via an eight-week credit training program
M&I MADISON BANK 2/95-1/98
Junior Commercial Lender (10/96-1/98)
Reviewed of all credits, audits, financial statements and tax returns
Participated in all aspects of Commercial Lending, including solicitation of business
Management Trainee (2/95-10/96)
Apprenticed Commercial Lending, Retail Management and Consumer Lending.
Worked extensively in Personal Banking, Money Center, Trust Department, Executive and Professional Banking and Credit Analysis.
University of Wisconsin-Madison (12/94)
Microsoft Office (Word, PowerPoint, Outlook and Excel)
Proficient in IBS (Metavante) systems
Proficient with Moody financial spreading system
ACTIVITIES AND BOARD DESIGNATIONS
Board of Director – Michael Finley Foundation
Youth Mentor- Chicago Big Brothers and Big Sister’s
Founding member and former Board of Director and Treasurer – Woman’s Global