FADY ASSAAD

ad4erf@r.postjobfree.com

Cell: 205-***-****

Education: Bachelors of Science in Commerce and Business Administration The University of Alabama Tuscaloosa, AL May 2000

Major: Finance Major GPA: 3.40/4.00

Computer Skills: Excellent knowledge of Ncino, CreditLens, Moody’s Financial Analyst, FAMAS, Microsoft Excel, PowerPoint, Word, Outlook, as well as Blast. and Internet Explorer.

Language Skills: Fluent in both Arabic and English, as well as proficient in French. Experience:

Senior Care Portfolio Manager/Underwriter

United Community Bank 2022 - Present

• Actively manage an existing portfolio of Senior Living loans in excess of $850 million.

• Utilize Credit Lens(MCL) software to risk grade new and existing Senior Care loans.

• Perform quarterly CAR reports on Watchlist/Problem loan credits in the Senior Living Portfolio, which includes revealing possible workout scenarios.

• Underwrite new loans up to $50 million based on bank policies.

• Collaborate with the Relationship Managers in structuring proposed loans to align with Loan Policy.

• Perform annual reviews/modification and risk assessments on various credits.

• Collect all financial statements/other financial information as needed as well as perform Covenant Compliance reports on all existing clients. CLU Portfolio Manager/Underwriter

BB&T, Now Truist 2020 - 2022

• Actively manage an existing portfolio of CRE & C&I loans for the Centralized Lending Unit.

• Utilize Credit Lens(MCL) software to risk grade new and existing CRE and C&I loans.

• Underwrite new loans up to $10.0MM and ensure proposed debt complies with bank policies.

• Collaborate with the Relationship Managers in structuring proposed loans to align with loan policy.

• Lead special projects that include Comprehensive Capital Analysis and Review (“CCAR”) for Truist and help ensure all data collection was accurate and precisely reflects existing risk grades for various CRE clients.

• Perform annual reviews/risk assessments on various complex commercial credits.

• Collect all financial statements/other financial information as needed as well as perform Covenant Compliance reports on all existing clients. Commercial Real Estate Credit Portfolio Manager/Underwriter BB&T 2017 - 2020

• Completed underwriting/analysis reports for new commercial real estate loans ranging between $5.0MM and $50.0MM.

• Managed an existing portfolio of commercial real estate loans in the Birmingham office.

• Attended Client meetings along with the CRE Relationship Manager to structure new commercial real estate loan requests to align with BB&T’s loan policy as well as regulatory guidance.

• Calculated risk ratings on all new and existing credits.

• Performed annual review analysis on existing clients.

• Collected all financial statements due as well as performed Covenant Compliance reports on all existing clients. Senior Commercial Credit Underwriter/Portfolio Manager Wells Fargo Bank 2010 - 2017

• Responsible for a large portion of the Birmingham Commercial Credit Market; existing loan portfolio exceeds $500 million in commercial loans.

• Duties include managing the existing portfolio of loans as well as underwrite any new commercial loan requests that are at or above $2.0 million.

• Attend calls along with commercial loan officers to discuss potential large commercial loan requests and structures.

• Structure pricing for all new requests and provide potential profits for the bank.

• Recommend potential products to loan officers during the underwriting process on new commercial loan requests.

• Perform annual review analysis on existing customers, including investment real estate credits, with total exposure of $1.0 million or above.

• Provide credit support for all junior credit analysts in the Birmingham Market Calculate risk ratings on all new and existing credits. Commercial Credit Underwriter/Assistant Portfolio Manager Synovus Corporation/First Commercial Bank, 2007 - 2010

• The sole underwriter for the entire Commercial Real Estate Department, which has in excess of $400.0 million in loan commitments

. • Underwrite existing/proposed commercial real estate loans, including the construction or acquisition & renovation of such projects as multi-family dwellings, retail centers,warehouses, as well as various types of office buildings. Other projects include land/lot developments and single-family constr uction projects.

• Perform Loan Pricing Models on all existing and proposed credits to appropriately structure loan pricing, facilitating an overall profitable return on equity for the bank.

• Assist the Relationship Managers to monitor/manage their real estate portfolios.

• Call customers to request various financial information as well as answer critical questions/concerns.

• Underwrite new and existing credits for the Commercial & Industrial Department.

• Analyze complex credits in various industries, including Banks, Healthcare, Non-profit organizations, Construction, Real Estate Management & Developers, Manufacturing, Energy, Retailing, as well as Trucking.

• Recommend risk ratings for all new credit requests as well as recommend revisions to existing riskratings.

• Spread various types of financial statements as well as tax returns into Moody’s Financial Analyst database. Commercial Credit Dealer Services/Underwriter

Regions Financial Corporation, 2004-2007

• Spread dealer statements and audited financials, as well as tax returns into Moody’s Financial Analyst database.

• Performed Preflight analysis for prospective dealers and assist Relationship Managers in presenting various credits to Credit Committee members on a weekly basis.

• Analyzed tax returns to determine personal cash flow in relation to the repayment ability on all guarantor dependentloans.

• Issued Obligor and Facility risk ratings and recommendations for all dealer credits.

• Was responsible for the annual review/monitoring of 30 dealer credits in Regions’ and Amsouth’s loan portfolio.

• Reviewed analysis/spreads for junior credit analysts. Commercial Real Estate Department

• Spread company-prepared and audited financial statements, as well as tax returns into Moody’s Financial Analyst database.

• Analyzed property cash flows generated by income-producing properties in relation to debt service coverage on requestedloans.

• Analyzed personal tax returns to determine personal cash flow in relation to repayment ability on guarantor dependent loans.

• Utilized trend & ratio analysis to prepare detailed, analytical write-ups evaluating the creditworthiness of companies with respect to various types of commercial loan requests.

• Attended weekly credit committee meetings with Relationship Managers and answer any questions that mayarise.

• Assisted in the development and training of entry-level analysts. Commercial Credit Analyst

BBVA/Compass Bank, 2001-2004

• Analyzed complex credits and various industries that included Banks, Non-profit organizations, Construction, Real Estate Management & Developers, Manufacturing, Energy, Retailing, Real Estate Investment Trusts [REITs], as well as Trucking.

• Assessed credit risk of potential and existing commercial credit facilities and loans ranging from $1.0 million to $50.0million.

• Spread company-prepared and CPA-quality financial statements into Moody’s Financial Analyst and FAMAS spreadsheet database.

• Researched and prepared annual reports on the overall condition and policy changes of Real Estate Investment Trusts [REITs] for Senior Credit management andcommercial relationship managers.

Activities: Commercial College of Credit Wells Fargo- Completed this one year course during 2013. Alabama Finance Association

International Rotary Club

Martial Arts/Kickboxing Instructor [taught students discipline, self-esteem, control and self-defense] Honors: Jack L. Mckewen Scholarship 1999-2000

Dean’s List 1998-2000

U.S. National Taekwondo Champion 1999

Status: U.S. Citizen

References Available Upon

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