Alexander Nguyen
Mobile – 916-***-****
Email – *********@*****.***
Summary
I am thoughtful professional with experienced in building client relationship and underwriting credit in middle market. My objective is continual development of my technical skills while working towards a role in leadership and strategy.
Experience
Credit Analyst
Comerica Bank (Public Company: Commercial Bank)
06/2014- Present
Prepare extensive credit memo that consist of collateral analysis, cash flow models, risk rating review, industry analysis, and officer comments to allow executive management to make prudent credit decision.
Experienced in middle market lending as ABL, cash flow, and leveraged financing.
Review and analyze business and personal tax returns, business financial statements, credit environment, real estate appraisal reports, accounts receivable and payable aging and inventory listing reports to determine creditworthiness and risk rating.
Present management with overall analysis of the market place: economical, governmental, technological, social/political, and competitive landscape as it relates to our overall borrower.
Prepare timely annual and periodic reviews and the satisfactory resolutions of credit deficiencies such as collateral exceptions and covenant violation.
Experience lending to a number of industries as equipment distributors, beverage companies, health and beauty, finance, and private equity.
Ensure proper corrective actions are completed for exceptions noted by regulators, auditors, and outside credit reviewers.
Monitor credit quality of assigned portfolios (40 clients), totaling $413MM in loan exposure, by reviewing various system reports and evaluation tools, ensuring timely administration within Comerica policy.
Underwrite structure and documentation, (sometimes) in partnership with Relationship Manager, of more complex and specialized transactions, including setting up loan structure, working with counsel, negotiating loan documents, and closing.
Coordinate the receipt and evaluate the thoroughness of collateral valuations consistent with bank standards.
Participate actively in and may conduct independent due diligence meeting with clients/prospects.
Vice President, Banking Center Manager
Comerica Bank (Public Company: Commercial Bank)
06/2010 – 06/2014
Responsibilities include but not limited to: sales enablement, lead generation, customer survey, collateral development, operational efficiency, and disseminating leadership support.
Increased market growth particularly in the Bay Area region by designing effective customer-communication strategies and implementing loan and deposit practices to lined-staff.
Directed overall CRM efforts by collaborating with group managers and increased regional non-interests revenue by 3.5%.
Established a strong client base by consulting industry executives on applying effective business strategy – A/R, Revenue generation, customer retention, purchasing power, and brand recognition.
Delivered Comerica’s value proposition to increase deposit and loan growth by 15% YOY. Provided customer credit facilities and restructure loan package to fit the client’s business cycle.
Created KPIs to increase customer retention, customer retention, revenue growth, interest/non-interest income, cross sells and decrease loss exposure.
Led and collaborated with business units to build effective cross-sell strategies and literature collateral.
Negotiate contracts – deposit rates and loan terms – to achieve interest income goals. Provided customers work-out options on their credit facilities to maintain balance sheet performance. In addition, negotiated contract terms to fit the organization’s revenue goals.
Analyze regional markets and competitive trends, product positioning, and create differentiation strategies.
Sales goal and performance metrics: 2010: attained 98% plan, 2011: attained 104% of plan, 2012: attained 114% of plan.
Past
Wells Fargo Manager, Retail 2008-2010
Wells Fargo Business Specialist, Lending and Deposits (Companies <$2MM 2004-2008)
Education
Psychology B.A., California State Sacramento, 2005
Executive MBA, Pepperdine University, 2012
Successful Completion of Comerica Credit Training Program, 2015