Assistant Manager

Patrick Fields

**** ****** **, ****, ***** Carolina c: 908-***-**** ********@*****.***

Professional Highlights

> Credit analysis (AgFirst Farm Credit Bank)

. Prepare effective qualitative and quantitative analyses of large and

complex agricultural customers for new and existing customers,

including participation/syndication transactions. Also, provide

analyses of loans originated by District Associations that require

prior approval. Analysis typically includes focus on historical

financial statements, projections, and sensitivity scenarios.

Industries worked include, but are not limited to the following:

. Cash grain and row crops

. Cattle

. Poultry

. Swine

. Berries/Citrus/Other fruits

. Farm related business/services

. Part-time farmers

. Assist Relationship Managers and Capital Markets Officers with credit

administration duties including; annual credit reviews, Association

assessments, and counterparty assessments.

. Perform various duties related to monitoring risk within the Bank's

investment portfolio.

. Provide support to the Lending Staff, Loan Origination, and Servicing

Groups in various aspects of closing new loan

participation/syndication transactions and servicing actions on

existing portfolio loans including waivers and amendments.

. Provide additional various analytical support to the Bank's Lending

Division where needed.

> Investment analysis (Valley National Bank)

. Prepare effective and objective analyses which clearly identify key

credit risks and strengths and provide the Senior Management with

sufficient information to make an informed and prudent investment

decision. Investments types include, but are not limited to the

following:

. Long and short-term municipal investments

. Corporate bonds in numerous industries

. Corporate equity share investments

. Trust Preferred Securities

. State General Obligation Bonds

. Identify existing investments within the Bank's investment portfolio

which require continued monitoring due to financial distress,

exceeding dollar amount threshold levels, debt rating downgrades,

etc...

. Perform thorough semi-annual and annual reviews of the Bank's medium

and high financial risk vendors. Reviews focus on the Company's

financial performance, balance sheet metrics, and a strong emphasis on

cash flow and repayment sources.

. Identify all of the Bank's counterparty/ correspondent banks and

financial institutions on a monthly basis by communicating with each

of the Bank's user departments. Once identified prepare annual or

quarterly reviews on each of the Bank's counterparties.

> Mentoring (Valley National Bank)

. Evaluate and monitor the progress of Investment Underwriting Trainees,

who have recently completed a rigorous credit training program

. Provide positive and constructive feedback on various review types

prepared by Investment Underwriting Trainees.

. Authority to approve certain reviews.

> Training (Valley National Bank)

. Plan and facilitate various credit training classes for Credit

Underwriting Trainees

> Special Projects (Valley National Bank)

. Prepared the Bank's vendor review policy and review procedures.

. Assisted in the creation of the Bank's risk acceptance criteria (RAC)

form for various investment types.

. Assisted in the creation of Bank's counterparty reporting and

monitoring procedures and program.

. Assisted in the creation and implementation on templates for various

review categories.

. Attended a seminar on bank credit analysis (may 2013)

. Completed Valley National Bank's rigorous credit training program

(February- June 2011)

Professional Experience

AgFirst Farm Credit Bank, Columbia, SC

. Corporate Credit Analyst, October 2013-Present

Valley National Bank, Wayne, NJ

. Promoted to Assistant Cashier in July 2012

. Investment Underwriter, January 2012 - October 2013

. Investment Underwriting Associate, July 2011 - December 2011

. Credit Underwriting Trainee, February 2011 - June 2011

Affinity Federal Credit Union, Basking Ridge, NJ

. Member Services Representative, April 2010- February 2011

Rite Aid Pharmacy, Califon, NJ

. Assistant Store Manager, June 2008- March 2010

Education

B.S. Degree in Business Administration, Finance & Management Concentrations

January 2010

Centenary College, Hackettstown, NJ

Cumulative GPA 3.3/4.0 Dean's List & Academic Scholarship

Recipient

Minor in Criminal Justice Extensive coursework in Finance

References are available upon request.

Contact this candidate