Sales Manager
Resume:
Christopher Malkin
** ******** ******, *********, ** 10514
adg41n@r.postjobfree.com
Looking for new opportunities to further broaden my horizons by using my education, work experiences and life experiences. The possibility of contributing to the growth of a company is exciting, and I would like to explore those potentials that I am confident will be mutually beneficial.
Professional Experience
Spencer Savings Bank, SLA March, 2019 - Present
Elmwood, NJ
Senior C&I / CRE Credit Underwriter
●Responsible for complex loans/industries/customers.
●Lender Monitored Lines of Credit (ABL) with required A/R’s/Inventory/Equipment reporting evaluations for Borrowing Base Certificates for draw downs, clean ups and term outs with monthly, quarterly & annual reviews and approvals ($500M - $4MM).
●Research industry specific information from outside sources, which include conversation with borrowers, industry publications, references, from other banks, credit agencies, government monitoring as well as accessing information through the Internet.
●Loan origination process, underwriting, borrower's character, creditworthiness & financial condition.
●Prepare approval memorandums to lending & credit authorities.
●Analyze financial statements, management profiles, business & product cycles, cash flow ability, collateral, agings, etc of future & existing customers to identify trends, measure performance, assess financial strength & develop an assessment of credit risk.
●Maintains credit files, monitor data such as updated financial statements & other covenants.
Wells Fargo Bank, NA Nov. 2013- Feb. 2019
Paramus, NJ
AVP, Senior C&I / CRE Credit Underwriter/Portfolio Manager
●Responsible for complex loans/industries/customers.
●Lender Monitored Lines of Credit (ABL) with required A/R’s/Inventory/Equipment reporting evaluations for Borrowing Base Certificates for draw downs, clean ups and term outs with monthly, quarterly & annual reviews and approvals ($1MM - $4MM).
●Manage Lenders’ portfolios on a day to day basis by coordinating with assistants.
●Research industry specific information from outside sources, which include conversation with borrowers, industry publications, references, from other banks, credit agencies, government monitoring as well as accessing information through the Internet.
●Loan origination process, underwriting, borrower's character, creditworthiness & financial condition.
●Prepare approval memorandums to lending & credit authorities.
●Analyze financial statements, management profiles, business & product cycles, cash flow ability, collateral, agings, etc of future & existing customers to identify trends, measure performance, assess financial strength & develop an assessment of credit risk.
●Maintains credit files, monitor data such as updated financial statements & other covenants.
●Monitor compliance with regulatory requirements.
●Written analysis that identifies any deviation from the company commercial loan policy & familiar with alternative structures in order to reduce credit risk.
Commerce Bank, NA. / TD Bank NA Oct. 2005 – Nov. 2013
Mahwah/Ramsey, NJ
AVP, Senior C&I Credit Underwriter
●Formal 6 month RMA credit training class.
●Responsible for complex loans/industries/customers.
●Lender Monitored Lines of Credit (ABL) with required A/R’s/Inventory/Equipment reporting evaluations for Borrowing Base Certificates for draw downs, clean ups and term outs with monthly, quarterly & annual reviews and approvals ($1MM - $5MM).
●Research industry specific information from outside sources, which include conversation with borrowers, industry publications, references, from other banks, credit agencies, government monitoring as well as accessing information through the Internet.
●Loan origination process, underwriting, borrower's character, creditworthiness & financial condition.
●Prepare approval memorandums to lending & credit authorities.
●Analyzes financial statements, management profiles, business & product cycles, cash flow ability, collateral, agings, etcetera of future & existing customers to identify trends, measure performance, assess financial strength & develop an assessment of credit risk.
●Maintains credit files, monitors data such as updated financial statements.
●Monitor compliance with regulatory requirements.
●Written analysis that identifies any deviation from the company commercial loan policy & familiar with alternative structures in order to reduce credit risk.
Sussex-Wantage Schools Feb. 2002 – 2005
Sussex, NJ 07461
S Substitute Teacher, Grades 5 – 8 (Math)
Vernon Township Schools Jan. 2001 – 2005
Vernon, NJ
Substitute Teacher. Grades 5 – 8
Donaldson, Lufkin & Jenrette Aug. 1992 – Dec. 2000
New York, NY
Operations Liaison/Sales Assistant/Sales – International Fixed Income Division
●Managed transactions for our Tokyo, New York and Chinese Desk (located in Los Angeles).
●Executed treasury, mortgage, high grade & high yield corporate bonds, emerging markets and finance (repo) transactions for Tokyo and New York. (International Desk)
●Balance, roll and pay out all dividends to customers.
●Assisted traders, salespeople, assistants and customers with all operations and compliance related inquiries.
●Assisted the Managing Director of Intl Sales in the day to day activities (Commissions, expense reports, etc.).
Clearance Specialist / Senior Clerk / Manager Mar. 1989 – Aug. 1992
●Clearance of: CMO’s for Government and Private Issues, Certificates of Deposit, Medium Term Notes, Whole Loans and Treasuries (Cats,Tigrs,Sallie Maes and GTC).
●Areas of clearance – DTC, PTC, Physical R & D, Fed book entry and Euro Clear.
●Prepared trade adjustments for mortgage-back securities (factor and coupon updates).
●Prepared daily fail/pending reports for Trading and Sales Desks.
●Trade date balancing of CMO desk positions/segregation of collateral for financing.
Drexel, Burnham & Lambert Aug. 1986 – Mar. 1989
New York, NY Supervisor
●Helped develop a functional P & S Dept by: reorganizing filing and check back procedures and improving customer service
●Prepared MBS settlement reports for management
●Assisted on Computer conversion by: Locating needs, misuses, wastes & report
●Creating and suggesting ideas which were viable to the new system
●Balanced Intra-Company financing of Swap Desk.
●Assisted in other areas such as: Allocations, Midwest Clearing and New accounts.
Education
Fordham University Sept. 1982 – Jun. 1986
B.S., Marketing
Formal 6 month RMA credit training class – sponsored by Commerce Bk, NA October 2005 – March 2006
Awards
NYS Regents Scholarship (4yrs.) Athletic Scholarship in Baseball (4 yrs.)
Stock Brokerage License Series 7 & 63 – (expired)
New York Institute of Finance - Corporate Bonds
NJS Education License: Elementary School - Mathematics/History
Organizations
NJSIAA Sports Officials: Aug. 2004 – Present
●Certified – NJFOA/MFOA – HS Football – Crew Chief
●Certified - NJILOA – HS Lacrosse
●Certified - ASA – Amateur Softball
Vernon Youth Football & Softball Mar. 1992 – 2003
C Coach – committee Member Volunteer
IntraWest - Mountain Creek Nov. 2002 – 2012
Mountain Services – Ranger Ski Patrol Team, CPR Assistance- 1st Responder
Special Olympics of New Jersey & National Org. Feb 2009 - Present Coordinator – Special Olympics Snow Bowl & National Committee
Street 2 Street - Youth Leagues – Paterson, NJ. Mar 2015 – Present Coordinator – Officials – Rules Committee
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