Real Estate Vice President
Resume:
Horsham, PA *****
******@*****.***
Neil J. Cohen Professional Accomplishments
Sun National Bank VP Loan Review Officer
Vineland, NJ
• Conducted Loan Reviews of individual commercial and commercial real estate borrowing relationships under minimal
Supervision of the Director of Risk Management.
• Prepared clear, factual and concise reports of findings and summarized basis for conclusions.
• Performed individual credit reviews to assess and assign a numeric level of risk value for repayment capacity,
Management capability, market position, collateral support and protection against risk of loss, economic, legal,
Regulatory and environmental risk or potential impact.
• Accurate assignment of the overall obligor and facility numeric risk rating and the conclusion of the risk rating rationale.
• Identify all financial, documentation, policy and approval exceptions/deficiencies.
• Provide relevant observations and/or recommendations and effectively communicate findings to the lending groups and
senior management.
Strategic Consultants, LLC
1/2012 to 4/2013 Bank Consultant Horsham, PA
• Provided Loan Review services, Due Diligence, process review and risk rated a random sample of commercial loan
portfolio and equipment leasing portfolio.
• Provided Credit Underwriting, Loan Review, Risk Rating and due diligence services for small to mid-sized community
Banks. Credits included SBA Guaranteed Loans as awell as direct Commercial and Industrial Loans for middle market
entities and real estate financing (owner occupied and investor deals) which included construction and permanent
financing .
• Provided Expert Witness services focused on the feasibility of financing specific projects which had been condemned by
the RDA as well as Private entities.
• Provided Risk Rating of entire portfolio of over 400 relationships of small local Bank, Loan Review of significant portion
of commercial portfolio, structured and restructured existing maturing loans to improve the Bank’s position, prepared loan
underwriting and credit memorandums for presentation to Loan Committee.
Experis/Jefferson Wells Senior Risk Consultant Philadelphia,
PA 10/2009 to 12/2011
• Audited the commercial loan review process and risk rated a random sampling of commercial loans that had been rated by
an out-sourced vendor utilized to perform Loan Review and Risk Ratings.
• Provided Loan Review Services, Due Diligence, P r oc e ss Review and Risk Rated a random sample of commercial loan
portfolio and equipment leasing portfolio.
• Provided Loan Review and credit underwriting services in anticipation of Federal Regulatory Audit.
Sovereign Bank
2008 to 9/2009 V.P. / Credit Officer Villanova, PA
• Actively managed an assigned portfolio of highly diverse and complex credit relationships located throughout the
Delaware Valley (including Bucks, Chester, Delaware, Montgomery Counties and parts of Southern New Jersey). Credit
exposure per relationship ranged from $500M to $11 million.
• Provided Credit Officer sign-off on loan structure, loan policy compliance and underwriting risk, for all commercial
requests up to $1million. Credits included middle market commercial and industrial loans, asset-based credits, as well as
construction and permanent mortgage finaincing for diverse real estate projects.
• Developed strategies to improve non-performing loans, reduce delinquencies, maximize recoveries and minimize losses.
• Identified potential problem credits and provide guidance to staff in restructuring the credit and/or minimize losses. •
Initiated credit recommendations for placement on the Bank’s Watchlist.
• Ensured the presence of a credit culture consistent with the Asset Quality objectives and strategic plan established by the
Board of Directors.
• Served as a critical leader by partnering with RMs in underwriting and approving credit opportunities, and participated in
the development of new business.
• Ensured corporate loans were underwritten within the principles of sound banking practices and established policy
guidelines. Active involvement in maintaining and revising loan policies and procedures.
• Assisted in the credit aspects of all regulatory exams, internal loan audits and external loan audits, as necessary.
• Proactively determined the risk tolerance status for the various loan types and keeps the lending and credit teams informed
of any changes that might impact their marketing and loan negotiations.
• Assigned portfolio approximated 83 relationships with $138 million in commitments comprised mainly of middle market
size credits.
Stonebridge Bank
2005 to 2008 Vice President/Commercial Lending Warminster, PA
Successfully developed and implemented marketing plan for expansion or recently opened satellite loan production
office in Southampton, PA (opened September 2004).
Built market share to include 36 Business Banking relationships with over $36 million in committed loans in 22months (versus
$12 million goal for the same period).
Developed loan portfolio comprised of general C & I loans, Commercial Mortgage and Construction loan for residential and
commercial projects as well as SBA and other CDC financing programs.
Received quarterly incentive bonuses on a consistent basis for loan production, fee generation, deposit gathering and
referrals to other Stonebridge business units (Cash Management, Residential Mortgage Department and Branch
products/services).
Called upon prospective clients and referral sources to identify and develop new business opportunities, both credit and
non-credit in nature.
Presented analysis/structure to senior management/Board Loan Committee, advocating loans and supporting proposals
through quantitative and qualitative assessment of risk.
Proactively monitored existing client relationships and industry trends to ensure continual loan quality.
Credit exposure per relationship ranged from S100M to $5 million.
Strategic Consultants
2001 to 2005 Bank Consultant Ambler, PA
Founded Strategic Consultants in October 2001 to provide a broad spectrum of finance related and business contract services to
privately held businesses, entrepreneurs and financial institutions.
Assisted numerous clients in meeting their capital requirements by providing debt placement services on a fee basis. Capital
sources extending beyond the traditional working capital, term financing and commercial mortgages, to include asset-based
financing, residential mortgages, equipment leasing, SBA lending and other non-traditional sources.
Provided credit and lending services for small and medium size financial institutions, including loan underwriting, statement
spreading, financial analysis, loan structuring, projection modeling, industry assessments and comparison among peers,
loan/portfolio reviews, appraisal reviews and other customized services as appropriate.
Founded National Mortgage Funding Group to provide post closing and post funding services on an outsourced contract basis
for Mortgage Brokers and the residential mortgage divisions of various Financial Institutions.
Progress Bank
1995 - 2001 Vice President/Commercial Lending Blue Bell, PA
Successfully developed and implemented strategic plan for expanded emphasis on commercial lending business line.
Built a portfolio to include 57 Business Banking relationships with over $34 million outstanding in loans and $12.4
million in average collected deposit balances.
Consistently exceeded annual goals for loan production, deposit gathering and fee generation.
Received quarterly sales achievement awards on a consistent basis for loan production, deposit gathering and referrals to
other Progress business units (Cash Management, Progress Business Credit, Progress Leasing Company, Progress Financial
Resources and Branch products/services).
Appointed bank liaison to integrate Progress Financial Resources and Branch network into the Business Banking calling
plan and product line.
Appointed to task force for new product development, both credit and non-credit in nature.
Organized and implemented various seminars/educational forums for clients and referral sources.
M eridian Bank
1992- 1995 Vice President/Business Banking Philadelphia, PA
Successfully developed and implemented marketing plan from inception of new satellite loan production office in
Northeast Philadelphia (opened September 1993). Credit exposure per relationship ranged from S150M to $5 million.
Built market share to include 39 Business Banking relationships with over $14 million in outstanding loans in 15 months (versus
$4 2 million goal).
Received Sales Achievement Awards in 4 out of 5 consecutive quarters.
Successfully cross-sold investment related services for local union severance fund with $13 million in assets under
management. ($58.000 in annual fees).
Meritor Financial Group
1989- 1992 Assistant Vice President Philadelphia, PA
Concentration in commercial lending to the Health Care Industry, nationally.
Developed and managed $128 million loan portfolio in the Health Care Division of the Commercial Banking .Department.
Prepared, structured and presented analysis/proposals for financing transactions to Senior Loan Committee.
Credit exposure per relationship ranged from $1 million to $35 million.
Fidelity Bank
1984- 1989 Commercial Loan Officer Philadelphia, PA
Originated and managed a diversified $41 million middle-market loan portfolio in the Delaware Valley
Clients included companies with annual revenues of $5-$120 million.
Exceeded fee income goal by over 160% in 1986-1987.
1983 - 1984 Asst. Manager/Commercial Credit Philadelphia, PA
Managed and reviewed workflow of up to 10 credit analysts/trainees.
Conducted ongoing training seminars for commercial credit department.
Participated in hiring and internal placement of new credit analysts/trainees.
Mellon Bank
1981 – 1983 Credit Analyst Philadelphia, PA
Completed formal credit training program
Education
Philadelphia University Bachelor of Science in Finance/Accounting Philadelphia, PA
LaSalle University Numerous Credits towards MBA Philadelphia, PA
Extracarricular Activites
Active Member of Mortgage Bankers Association of Greater Philadelphia
Active Board Member of The Starting Point of New Jersey
Member Robert Morris Association
Contact this candidate