Management Real Estate
Resume:
John E. Leather, Jr. Cell: 908-***-****
** ******** ****** ****: 908-***-****
North Plainfield, NJ 07060 Email: **********@*******.***
SUMMARY:
Accomplished Senior Credit/Risk professional with excellent analytical and organizational skills encompassing
the mid-market commercial credit lending industry. A recognized self-starter who combines knowledge and
methodical decision making into a recognized problem solver. A career that contains a sound mix of financial
analytical skills, computer proficiency and management experience in addressing credit lending and its risk
profile components. Consistently acknowledged for an overall balanced judgment, methodical reasoning,
stability and capacity that supplies results above general expectations.
EXPERIENCE:
Affinity Federal Credit Union - Basking Ridge, NJ 2011 - January 2015
A $2.4 billion not-for-profit full service Credit Union providing banking services to individual and commercial
members.
Senior Credit Officer, Credit Administration (04/2012 - 01/2015)
Responsible for the administration, analysis and presentation of the Allowance for Loan and Lease
Loss (‘ALLL’) for the credit union's loan/lease portfolio to senior management and regulatory auditors.
Conducted weekly credit quality committee and monthly criticized commercial loan meetings for a
proactive approach to address credit risk. Provided credit risk management prospective to monthly Risk
Oversight & Asset and Liability committee meetings. Oversaw third party semi-annual audits of
commercial loan portfolio. Advisor to Commercial Lending for guidance on new and ongoing credit risk.
Advisor to Special Assets Department for guidance on disposition/course of real estate backed loans
within the foreclosure process.
Initiated and administered the development the testing matrix of the ALLL analysis through third-
party web based software resulting in reduction of errors through process automation and limited
reliance on manual spreadsheet report production.
Developed a detailed loan product level ALLL analysis resulting in reducing processing time
down to one week from two weeks.
Enhanced Credit Risk presentations to internal committees resulting in the creation of a graphical
dashboard trend analysis of the institution credit risk profile.
Credit Analyst Team Leader, Member Business Lending (08/2011 - 04/2012)
Responsible for the management of a team of two analysts and administration of a $161 million
commercial portfolio providing detailed financial analysis of mid-market commercial members.
Facilitated the engagement of third-party vendors for the completion of real estate appraisals and
environmental reports.
Developed an enhanced credit approval analysis presentation resulting in greater conveyance of
the credit risk inherent in the lending approval and maintenance process.
Union Center National Bank - Union, NJ 2004 - 2011
A $1.7 billion publically traded full service community bank providing full range of banking services.
Portfolio Manager (08/2009 - 08/2011)
Responsible for the development and organization of the commercial loan portfolio to better reflect
enhanced regulatory reporting needs. Advisor to credit analyst team on new and ongoing credit risk.
John E. Leather, Jr. Page 2
Union Center National Bank continued
Developed the historical database for conversion of the ALLL testing to third-party software
resulting in automating the ALLL process and reducing errors through manual report process.
Developed and administered the testing matrix for commercial real estate stress testing through
third-party software resulting in an automated process to analyze and present potential loss
given default under certain stress scenarios.
Senior Credit Analyst (07/2006 - 07/2009)
Responsible for the management of three analysts and administration of a commercial portfolio
providing detailed financial analysis of mid-market commercial members.
Credit Analyst (06/2004 – 06/2006)
Responsible for the analysis of middle market commercial borrower's financial statements/tax returns
and other provided data to determine credit worthiness and assess satisfactory level credit risk to the
organization.
The CIT Group - Livingston, NJ 2003 - 2004
A $16 billion publically traded lending institution providing financing, leasing and advisory services to its clients
and their customers across more than 30 industries.
Commercial Loan Closer (11/2003 - 06/2004)
Responsible for guiding the approved SBA borrower getting their small business from development
to opening of the business.
United National Bank/United Trust Bank, Bridgewater, NJ 1992 - 2003
A $2.9 million publically traded lending community bank providing full range of banking services.
Credit Analyst (01/2001 - 11/2003)
Responsible for the analysis of middle market commercial borrower's financial statements/tax returns
and other provided data to determine credit worthiness and assess satisfactory level credit risk to the
organization, Additional responsibilities included management and administration of the Letter of Credit
portfolio.
Junior Credit Analyst (03/1997 - 12/2000)
Responsible for the analysis of middle market commercial borrower's financial statements/tax returns
and other provided data to determine credit worthiness and assess satisfactory level credit risk to the
organization.
Administered and developed the implementation of loan documentation software for commercial
loans resulting in fewer documentation errors and remain up to date with regulatory lending
practices and laws.
Commercial Loan Operations Clerk (01/1992 - 03/1997)
Responsible for the loading, review and maintenance of loan documentation for the commercial
portfolio. Additional responsibilities included processing payments.
UNRELATED BUSINESS EXPERIENCE: Restaurants; Friendly’s, TGI Friday’s (1982 - 1991)
EDUCATION: Johnson & Wales College - Providence, RI; AS (1984)
American Institute of Bankers; Principles of Banking (1992), Accounting I (1993),
Accounting II (1993), Analyzing Financial Statements (1994)
Robert Morris Association - Commercial Loan Documentation (1995)
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