GREGORY DEAN PATTERSON

**** ******* ***** aduk05@r.postjobfree.com Mobile Phone: 443-***-****

Manchester, Maryland 21102 Home Phone: 443-***-****

SUMMARY OF QUALIFICATIONS

Dynamic, results-oriented professional with a solid background and outstanding communication, negotiation, and interpersonal skills. Independent self-starter and natural leader that builds cohesive teams and fosters collaborative efforts. Strong critical thinking, problem solving, and time management skills with proven success at handling multiple responsibilities in high-pressure environments. Knowledgeable and skilled in:

Account/Portfolio Management

Human Resource Management

Superior Customer Service

Collections and Workout

Employee Training and Development

Loans/Mortgages/Investment Products

Budgeting and Analysis

Accounting and Payroll

Networking and Cross Selling

PROFESSIONAL EXPERIENCE

Cohn, Goldberg & Deutsch, LLC, Linthicum Heights, Maryland May 2022 – Present

Collector

Monitor and manage assigned past due consumer loans for a number of clients within the Firm’s Collection Department by maintaining a high degree of customer contact through inbound and outbound customer calls.

Independently interpret and apply our client’s collection and servicing guidelines to the collection of delinquent debts and other obligations.

Contact past due consumers and businesses to arrange for debt payoffs, debt settlements, debt repayment plans and schedules. Prepare, send and collect debt repayment agreements for these delinquent accounts with the past due consumers and businesses. Monitor the collection of the monthly payments on the repayment agreements from the past due consumers and businesses. Report non payments to management so past due consumers assets can be reviewed and attached and past due consumers wages can be garnished. Make sure judgments and affidavit judgments are filed on all delinquent accounts with the court.

Act as a liaison between our clients and the past due consumers and businesses on any issues that need to be resolved with the account to get it settled or paid in full.

Field incoming calls from debtors and provide requested information regarding the debt.

Implement rules, regulations, laws and methods of collection while complying with Fair debt Collection regulations.

Adhere to all employees of law firm, clients’ policies and other internal and external and compliance guidelines.

Maintain compliance with all federal and state regulations.

Meet or exceed the monthly collection goals for our clients as it relates to the overall expectations of the client and our Firm’s Collection Department.

Maintain the utmost professionalism and confidentiality relating to all matters.

The Meridian Team of Supreme Lending, Reisterstown, Maryland July 2020 – April 2022

Loan Coordinator, Blue Team

In the Encompass Loan System, receive electronic loan file submissions from branches through a pipeline. Initiate first pack in calls with new borrowers welcoming them to the company and setting the proper expectations and deadlines. Send borrowers initial needs email while providing supreme customer service throughout the entire loan process.

Assist loan officers, originators, processors and underwriters by ordering property related items as needed (i.e., appraisals, desk reviews, etc.).

Contact and assist borrowers to collect and verify all pertinent related needs and conditional approval requested documentation from the underwriter is received and sent to the processor to send to the underwriter for review to get the approval to close and fund the loan.

Assist the Title Company with any and all documentation necessary to obtain clear title and first lien position for the company on the loan.

Upload documents and information into the appropriate software programs after received from the borrowers to create a transferable investor file and permanent borrower loan file as per the loan guidelines.

Schedule closings with the borrowers and the Title Company (Notary/Attorney) and review the Initial and the Final Closing Disclosures with the borrowers prior to their closing.

Follow up with the Title Company and the borrowers after each closing to ensure all funds were disbursed as per the Final Closing Disclosure and that all funds were received by the borrowers and all loans that were supposed to be paid off were paid off and all documents were signed, notarized and returned to the company, filed and recorded.

The Blue Team handled all self-employed borrowers, borrowers with manufactured homes, borrowers in Trusts, borrowers coming out of Trusts, borrowers going through a divorce and separation, and very difficult situations. The types of loans that required special attention to detail, delicate handling and finesse when it came to customer service, information gathering, scheduling, closing and funding.

EagleBank, Rockville, Maryland December 2019 – June 2020

Assistant Vice President/Workout Liquidation Officer

Monitor and manage past due loans.

Negotiate workouts and loan restructures for troubled assets.

Manage the liquidation of troubled assets.

Manage OREO properties and properties classified as non-performing assets.

Assist CCO and Special Asset Manager with various projects.

Prepare and present quarterly assets status reports for Senior Management and Board Meetings.

Assist State and Federal Bank Examiners, Internal Auditors and external loan review auditors on periodic basis.

Morgan Stanley & Company, LLC Group, Baltimore, Maryland September 2017 – December 2019

Manager of Warehouse Lending, ISG Product Operations

Provide client, deal and staff management for the Warehouse portfolio.

Responsible for and/or supervise due diligence reviews, pre-close draft agreement reviews, client set up and on-boarding, and post close deal management: i.e., fundings; settlements; servicing; collateral review; margin calls; borrowing base management and gestation trades.

Approve daily wire payments and journals.

Review and sign-off on draft loan agreements to ensure the team and the current loan system can support the required timelines and collateral eligibility calculations and constraints.

Coordinate and communicate with business units, credit structuring desk, data analysis team, custodians, servicers, and external clients on a daily basis.

Assist in identifying and mitigating operational risk.

Develop strong client relationships.

Enhance and improve operations while supporting the development of new business, structures and markets.

M&T Bank, Baltimore, Maryland May 2015 – August 2017

Banking Officer/Special Assets Portfolio Manager

Provide direct support to Workout Officers, Special Assets Team Leaders, Regional Special Assets Managers, and Department Managers in regard to credit underwriting, portfolio management, compliance, and monitoring of new and existing customers within the Special Assets Portfolio through all aspects of the loan process.

Assist in the preparation of reports for Regulators and internal Management, which includes the Problem Loan Management Reports, Scorecards, and CLAS.

Liaison with Workout Officers for the purpose of facilitating underwriting approval memos and Problem Loan Management Reports. Includes tracking the receipt of financial statements, ordering appraisals, compliance with covenants, and borrowing base certificates.

Attend client meetings with RMs in order to gain a thorough understanding of the client and their business in order to effectively assist in effective management of the portfolio.

Support portfolio management efforts by completing due diligence on clients including: trade reference verification, credit reports and industry/company research.

Analyze financial information and assist RMs in preparing cash-flow and collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis.

Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.

Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.

Susquehanna Bancshares, Inc., Hunt Valley, Maryland March 2010 – May 2015

Assistant Vice President/Commercial Loan Work Out Officer

Monitor and manage assigned past due loans within the Commercial Workout Department.

Negotiate workouts and loan restructures for troubled assets. Develop collection strategy to mitigate loan losses.

Manage the liquidation of troubled assets and determine the most effective method to exit the loan from the Bank. This may be accomplished through refinancing the loan with another financial institution, loan modifications and forbearance agreements, deeds-in-lieu, foreclosures, bankruptcy and/or settlements.

Manage OREO properties and properties classified as non-performing assets. Collect on deficiency balances and recover money on charged off loans.

Assist CCO and Special Asset Manager with various projects.

Prepare and present quarterly assets status reports for Senior Management and Board Meetings.

Assist State and Federal Bank Examiners, Internal Auditors and external loan review auditors on periodic basis.

EDUCATION

Bachelor of Science: Towson State University, Towson, Maryland, May 1984.

Major: Business Administration, Human Resource Management and Business Management, Magna Cum Laude.

References available upon request.

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