Manager Management
Resume:
Roger W Wisnar
Wichita, KS ***05
*********@*****.***
SUMMARY
Experience as a Middle Market / Government / Healthcare & Institutions / Higher Education / Public Sector Underwriter and also as a Portfolio Manager within the Commercial sector.
Structured and analyzed middle market credits with annual revenues between $10 million and $2 billion to determine repayment capacity and risk.
Prepared the following: Financial Annual Summaries, Annual Exposure Reviews, Credit Approval Requests, Modifications, Scheduled Exposure Reports, Spreads, Risk Rating Scorecard, Credit Risk Profile, Repayment Models, MFA projections, Proposal Letters, and Term Sheets.
Prepared reports for Senior Management through data extraction, modeling, and forecasting.
Proven leader with the ability to assume challenging roles, perform in highly visible positions, work under pressure to meet deadlines, and produce sustainable results.
Strong interpersonal and communication skills with a demonstrated ability to develop and maintain sound business relationships.
Consistent and proven success in surpassing productivity and performance objectives.
PROFESSIONAL EXPERIENCE
Developed relationships with COIs that generated business opportunities while a Relationship Manager, resulting in recognition for performance.
Established and managed multiple teams and formed a credit department from the ground-up, through training, spreadsheet design, monitoring, presentations and implementation of commercial credit policies and procedures.
Received recognition from President / CEO for outstanding performance and initiative.
Performed waterfall analysis on MSA total risk exposure to illustrate the migration of maturities, amortization, and the effect on the risk/reward of increasing exposure in various markets/States across the Nation.
Created various models to streamline the underwriting process, i.e. higher education repayment model with baseline indicators, water and sewer facilities, school district capital outlay repayment, personal cash flow, personal financial statements, corporations, income producing properties, interest rate sensitivity, CRE stress test, equities analysis, and global repayment.
Managed a commercial loan portfolio, comprised of approximately 65% CRE and 35% C & I.
Managed a municipal loan portfolio of over $30 billion with average annual growth of over 10%.
Created a non-performing loan migration model to forecast potential losses within several markets.
Prepared the Allowance for Loan and Lease Losses (ALLL) narrative report for executive management and members of the board as well as the ALLL matrix allocations.
Initiated and managed the litigation process of problem loans and prepared write-downs accordingly.
Analyzed and structured a variety of loans such as CRE (income producing properties), C & I, ABL, and A & D.
Participated in joint sales calls and structured / negotiated each credit facility to suit the individual need of the Client while reducing risk to the Bank.
Instituted a credit facility request form that was utilized for every commercial loan to be approved.
Conducted monthly case study meetings with analysts to develop less seasoned associates as a National Team Lead.
Fluent in credit risk, negotiation, credit policy, risk mitigation, and legal structures of various entities and statutes.
Bank of America Corp. Naples, Florida 2014 - Present
V.P. / Senior Municipal Credit Underwriter (Public Sector)
J.P. Morgan Chase, Naples, Florida 2014
V.P. / Relationship Manager III (Business Banking)
Bank of America Corp. Naples, Florida 2009 - 2013
Senior Portfolio Management Officer (Public Sector)
Portfolio Credit Risk Officer (Corporate Bank)
Middle Market Underwriter
First Florida Bank, Naples, Florida 2006 - 2008
V.P. / Commercial Risk Manager
TIB Bank, Naples, Florida 2005 - 2006
Credit Analyst
EDUCATION
Florida Gulf Coast University, Estero, Florida 2001
B.S., Management
GPA: 3.4, Major GPA: 3.8.
SKILLS
Internal/external negotiation and collaboration
Strong presentation/communication skills and highly knowledgeable in MS Excel
High-Level Relationship Management (External/Internal)
Cash Flow Analysis
Reporting / Modeling / Loan Structuring
Wide-range knowledge of various industries and credit profiles
Financial accounting theory with concentration on pricing
Government and Higher Education credit analysis
SPECIALIZED TRAINING
Advanced Municipal Bond and Markets Training - New York, NY, 2015
Advanced Cash Flow & Credit Training - New York, NY, 2013
Advanced Negotiation and Presentation Training - Atlanta, GA, 2012
Florida School of Banking - Gainesville, FL, 2007
American Banker’s Association Graduate School of Commercial Lending - Pine Mountain, GA, 2007
School of Commercial Lending - Risk Management Association, Orlando, FL, 2006
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