Jason Virgil

**** ******* ******

Plainfield, NJ 07060

732-***-****

adbucw@r.postjobfree.com

PROFESSIONAL EXPERIENCE

RBC Capital Markets – New York, NY October 2014 –October 2019

Senior Credit Risk Review Officer-Vice President

Examiner in Charge on various reviews including Leveraged, Industrial Products, and Problem loans.

Manager of two direct reports, providing annual review and feedback for development.

Assist in the necessary sampling, preparation & planning on internal reviews of the bank’s portfolio.

Review required documentation inclusive of credit file reviews and complete necessary line sheets.

Prepare written summary report of findings/observations as well as Quantity and Direction of Risk.

Communicate findings to Line and Risk management.

Assess asset quality, status and appropriateness of existing risk controls/compliance with established underwriting policies/risk tolerance.

Ensure underwriting credit analysis is sound and justifies/mitigates the identified credit risk.

Follow up and track recommended remediation from prior reviews.

Manager of annual internship program, providing leadership, guidance and feedback to interns.

Perform continuous monitoring of the Bank’s portfolios and participate in GRM quarterly reviews.

Kean University. – Union, NJ September 2014 – Present

Adjunct Professor

Teach various Finance courses on the undergraduate and graduate levels. Classes include the following:

- Corporate Finance I & II, Working Capital Management

Investments, Derivatives, Business Finance, Exchange Traded Funds

Sovereign/Santander Bank – Short Hills, NJ November 2011 – June 2013

VP – Large Corporate Loan Syndication

Creating generalist analyzing transactions rated in investment grade and high yield.

Industries analyzed: Chemicals, Energy, Financial Services, Healthcare, etc.

Responsible for the underwriting and credit analysis of all loan syndications.

Manage loan portfolio to ensure compliance credit policy and profitability metrics are met.

Attend bank meetings and listen to conference calls for all transactions in the assigned portfolio.

Prepare written credit write ups and slide presentations for committee presentation and approval.

PSEG – Newark, NJ 2008-2009

Credit Manager – Solar Loan Program (Contractor)

Reviewed and assessed credit quality of Corporate, middle market, and residential loan applications.

Established a credit standards and procedures to be followed for the three customer segments.

Analyzed loan applicant's financial statements to ascertain financial stability and adequate cash flow metrics.

Reviewed SREC amortization of the loans to ensure repayment.

Reviewed loan documentation and application with legal counsel for accuracy

Maintained a relationship through the credit process with customers and provide guidance and manage expectations.

Presented loan applications to credit committee for approval of projects.

Managed the loan closing process for each loan that has been approved.

Virgil Capital LLC – East Orange, NJ 2007 – 2008

Owner

Successfully acquired and operated a 3000 square foot Laundromat with 94 machines.

Started NJDryclean.com in 2007, a delivery service for the central NJ area.

Emporia Capital Management LLC – New York, NY 2006-2007

High Yield Portfolio Manager – Vice President

Managed middle market loan portfolio specializing in basic industries: Utilities, Oil & Gas, and Chemicals etc. .

Reviewed and negotiated amendments, restructurings consents and waivers on all loans Analyzed loan applicant's financial statements to ascertain financial stability and adequate cash flow metrics.

Originated new loans through participation's with agent contacts. Reviewed loan documentation and application with legal counsel for accuracy

Provided recommendations on new loans and refinancing.

Monitored secondary market to increase positions.

Reviewed existing portfolio quarterly.

Provided assets for 4 CLO's and warehouse facility totaling $1 billion.

Metropolitan Life Insurance Company – Morristown, NJ 2002-2006

High Yield Portfolio Manager – Associate Director

Managed $750MM bank loan portfolio specializing in basic industries, Oil & Gas, Energy, Chemicals etc.

Provided assets for MetLife's General account CDO's, MetLife Bank and Hedge fund.

Invested in several fixed income products including syndicated & middle markets, mezzanine and project financing

Originated new large corporate and middle market loans through participation's with agent contacts.

Conducted and coordinated committees presenting recommendations on new loans and refinancing.

Bought and sold loans in the secondary market to increase positions through Clear Par

Prepared and presented loan default study for the high yield portfolio

Facility totaling $1 billion.

Analyzed credit quality of new loans and monitored relative value of loan portfolio.

Responsible for Supervising, training and evaluating analysts and associates.

Member of Investment's Diversity committee, Recruiting & IMPACT Teams

Standard and Poor’s INC – New York, NY 1998-2001

Corporate Ratings Associate, Chemicals & Packaging

Assigned High Yield & Investment grade ratings to various debt instruments including private placements, CP programs, and bank facilities.

Performed financial analysis of chemical and packaging companies; constructed financial projections, assessing cash flow and credit protection measures.

Developed and persuasively communicated recommendations based on quantitative analysis, industry, knowledge of client objectives and professional judgment

Provided surveillance and written analysis for public release

Met with management of companies at least annually

Attended industry conferences and quarterly calls; worked with investors and maintain a strong relationship with corporate management teams.

Fleet Bank – New York, NY 1996-1998

Corporate Ratings Associate, Chemicals & Packaging

Originated middle market and Fortune 1000 bank loans

Constructed timely, accurate financial models and performed financial analysis of companies; identified and effectively gather useful information; provided succinct verbal and written summaries of research & analysis

Participated in corporate credit committees

Bank Hapoalim – New York, NY 1994-1996

Senior Credit Analyst

Originated middle market and Fortune 1000 bank loans

Prepared credit memorandums for credit committee

Member of the credit committee

United Jersey Bank Credit Department – Hackensack, NJ 1993-1994 Credit Analyst

Completed Credit training program

Prepared credit analysis for middle market credits and asset based loans

Supervised summer analyst intern program

EDUCATION

Howard University – Washington, DC 1993

M.B.A in Finance

B.B.A. in Finance

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