JAMES FOX

** ***** ****

Mount Kisco, New York **549

ad278d@r.postjobfree.com

(Cell) 914-***-****

EXECUTIVE SUMMARY:

Senior relationship management / business development, and credit professional. Credit trained with substantial expertise in cross-selling ancillary and highly structured products, to a diversified Fortune 1000 portfolio. I maintain an unblemished corporate banking career including formal credit training, extensive experience in credit analysis, financial modeling, and complex asset-based transaction structures. Extensive interaction with C-Suite managers and Treasury managers.

EXPERIENCE:

BANK OF AMERICA, Fairfield Connecticut

2022-Present Business Development Officer and Credit Analyst

CONNECTICUT COMMUNITY BANK, Norwalk Connecticut

2021-2022 Banker and Business Development Officer

PEOPLES UNITED BANK, Mount Kisco NEW YORK

2021-2021 Banker and Business Development Officer

JAMES FOX INCORPORATED, Fairfield CONNECTICUT

2016-2021 Owner – Fairfield Wines and Spirits

Owner of a $3.0 Million wine, spirits and beer liquor store in Fairfield CT.

CITIZENS BANK, STAMFORD CONNECTICUT

2015-2016 Director and Relationship Manager

Relationship and Business Development Officer responsible for establishing a Middle Market C&I, and Aerospace and Defense portfolio, as well as cross selling Citizens Bank fee-based products to private equity firms.

SUMITOMO MITSUI BANKING CORP, NEW YORK

2007-2015 Director, Team Leader and Relationship Manager

Relationship and Business Development Officer responsible for overseeing and expanding 2 separate portfolios consisting of Aerospace and Defense, Airlines and Transportation companies, as well as Middle Market C&I companies. Manage and supervise 2 successful junior relationship officers, as well as 2 credit analysts.

- Established and developed the bank's aerospace and defense portfolio. Grew aerospace and defense portfolio from 6 companies to 21. Cross sold the banks products, including FX, SWAPs, Letters of Credit, Project Finance, Trade Finance, Leasing, and Real Estate Finance -on both a bilateral and syndicated basis.

- Expanded the bank's transportation portfolio to include all aspects of the sector, excluding auto-related.

1997-2007 BAYERISCHE LANDESBANK, NEW YORK

Vice President and Relationship Manager

Relationship and Credit Officer for a $1.2 billion portfolio of diversified manufacturing companies, including auto, aerospace and defense, chemical, food, diversified industrial and non-bank financial institutions. Responsibilities include developing new business opportunities and expanding existing relationships with new and existing customers. Transaction types consist of all types of credit products, project finance, export finance, and derivatives. Strong focus on fee income and maintenance of credit quality. Manage three credit analysts and credit approval process.

-Developed and implemented strategies for business development and portfolio growth for various industries. Increased overall portfolio size from $700 million to $1.2 billion, increased annual revenue from $2.6 million to $8.3 million.

-Positioned Bayerische Landesbank to compete against largest U.S. and International banks.

1996 – 1997 FLEET FINANCIAL GROUP, NEW YORK

Vice President - Relationship and Portfolio Manager

Responsibilities included developing new business and expanding existing relationship within Fleet Bank's Specialized Lending Division, as well as supervise several credit analysts within this area. Customer base consists of primarily Fortune 1000 non-bank finance companies specializing in leasing and transportation equipment companies. Transaction types consist of unsecured lending, secured asset-backed transactions and lease transactions. Maintained existing portfolio of customers, monitored credit quality with regards to collateral preservation and compliance with documentary requirements, and supervised up to three credit analysts.

1990 – 1996 DEUTSCHE BANK NA, NEW YORK

Assistant Vice President (Portfolio & Credit Manager)

Performed financial credit and strategic analysis on a $2.2 billion portfolio consisting of both Fortune 500 industrial and medium-sized non-investment grade companies. Prepared written credit reports, review and negotiation loan. documentation, and supervised up to four junior analysts and German interns

-Performed full credit evaluation and obtained loan approvals for Agent and Co-Agent positions for various syndicated credit transactions.

-Assisted with pricing, structuring and syndication of Deutsche Bank originated transactions.

1988 – 1990 HYAKUJUSHI BANK, NEW YORK

Manager

Performed detailed financial analysis for loan and letter-of-credit transactions, prepared written credit reports and loan applications, assisted with the review and negotiation of loan documentation . Industries including integrate oil, real estate, manufacturing, forest products, assets-backed financing, hotels, energy and municipalities.

-Performed strategic and financial analysis on restructuring proposals of numerous non-performing loans and workouts including Federated Department Stores, The Trump Shuttle, USG and Tucson Electric Power.

1987 – 1988 STANDARD AND POOR'S, NEW YORK

Credit Analyst

Responsible for all analysis regarding issuing, reviewing and maintaining of both outstanding and new public debt of thirty-five companies. Met with senior management of companies in order to gain a better understanding of their business, its environment and its financial condition.

1986 – 1987 ARTHUR YOUNG AND COMPANY NEW YORK

Senior Financial Analyst

Responsible for the valuation of tangible and intangible assets of public and private companies for the purpose of mergers, acquisitions, corporate restructurings and related activity.

EDUCATION: CITICORP SCHOOL OF BANKING, NEW YORK

Summer 1991 Completed formal credit training program. (Sponsored by Hyakujushi Bank)

Concentrated program consisted of core elements of Citicorp's basic six-month credit training.

NORTHEASTERN UNIVERSITY, BOSTON

1984-1986 Masters of Business Administration

Concentrations in Finance and Accounting

1978-1982

OTHER:

STATE UNIVERSITY OF NEW YORK, NEW PALTZ, NEW YORK

Bachelor of Science Business Administration Concentration in Financial Management - Minor in Law

Series 79, Life and Health Insurance licensed in NY and CT, Proficient with Excel, Microsoft Word, Power Point..

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