Senior Credit Officer

Courtney Maurice Walker BSc, MBA, MSc, CLU

*** ******** ******* ****, ******** Heights, NY, 11798 516- 451-9977 ********@*****.***

Seasoned credit risk executive with extensive credit risk management, loan portfolio administration, counterparty credit analysis, C&I and CRE underwriting experience. Co-chaired the bank’s Credit Committee and was directly responsible for establishing the bank’s credit culture thereby ensuring a continuation of the safety and soundness of the loan portfolio which continues to exhibit no losses. Managed all regulatory audits and prepared the quarterly ALLL ( both incurred loss and CECL methodologies) . Member of the bank’s ALCO and Risk Management Committees. Proven ability to mentor, motivate and coordinate team efforts to meet organizational objectives. Innovative change agent who pursues a collaborative approach to problem solving. CAREER OBJECTIVE: To gain a position in the financial services sector that offers the opportunity for professional growth and where my experience, interest, abilities and education will be an asset to the company.

WORK EXPERIENCE:

Safra National Bank of New York Senior Vice President and Chief Credit Officer reporting to the CEO July 2016 - Mar 2023

● Responsible for the revenue and profit growth from the bank’s credit activities while monitoring and managing credit risks to ensure consistency with the organization's risk appetite.

● Analyzed and evaluated the effectiveness of the bank's various credit related services

● Member of the bank's Asset Liability Committee (ALCO). Contributed to ALM discussions concerning credit risk and general ALM strategies.

● Co-Chairman of the bank's Credit Committee and member of its Risk Management Committee.

● Supervised and appraised the activities of subordinate managers and ensured that all credit related services were professionally delivered, and customers were well served.

● Assisted Executive Management with long and short-term Bank planning for its various credit activities.

● Participated in developing lending policies and procedures and ensured that they complemented organizational goals.

● Executed established goals and coordinated their implementation with other departments and with subordinates.

● Ensured that all credit related activities were conducted in accordance with established policy guidelines and standards and were properly documented.

● Ensured that policies were updated and in accordance with evolving regulations, legal requirements and industry trends.

● Presented all results to the Board of Directors quarterly.

● Kept Executive Management informed of loan activities, progress toward established objectives and of any significant problems.

● Provided leadership to assigned personnel through effective objective setting, delegation and communication. Conducted staff meetings as required.

● Ensured that personnel were well trained, effective and optimally used. Instructed personnel regarding policy, procedure and program changes and ensured that they were well informed regarding related legal and regulatory developments.

● Ensured that the bank's professional reputation was maintained throughout lending and business transactions with customers.

Safra National Bank of New York Vice President– Reporting Directly to the Chief Credit Officer October 2006 – July 2016

● Managed a team of credit underwriters with responsibility for all analytical functions relating to Treasury Counterparties ( Bonds, FX Forwards, SWAPS, Repos, DVP/RVP) and all loans including but not limited to Security Secured, Trade Finance, Asset Based,CRE and C&I loans.

● Evaluated and monitored risk exposure, terms and limits of credit facilities for a $2 Billion security based loan portfolio for international and domestic ultra- high net worth clients.

● Reviewed and negotiated syndicated loans with agent banks and keep abreast of transactions posted via Syndtrak, DebtX or Intralinks. Oversaw the underwriting of new credit requests and the preparation of credit facility reports for credit committee approval.

● Interacted with Commercial Loan Officers to establish appropriate loan structure consistent with prescribed credit policies, underwriting guidelines and general best practices giving consideration to the risk elements inherent in the loan purpose.

● Structured commercial loan requests based on client profile and needs (i.e., revolving lines of credit, term loans, demand loans, standby letters of credit, and cash reserves). Provided ongoing credit oversight and portfolio management of the $1.1 Billion residential and commercial real estate loan portfolio.

● Performed annual /quarterly reviews of existing Treasury Counterparties (10-K,10-Q analysis) and loans by requesting and analyzing updated financial information (leases, rent rolls, borrowing base certificates, covenant certificates for syndicated loans, personal and corporate financial statements, personal and corporate tax returns, Dun & Bradstreet reports, Tri merge credit reports).

● Interacted with high-net-worth customers, sales team and administrative staff to obtain timely and complete financial information. Established, accurately monitored and adjusted borrower’s credit risk ratings as determined by credit reviews. Requested and reviewed appraisal reports, engineering reports and environmental reports (phase 1) for CRE loans.

● Reviewed legal documentation (Commitment Letters, Notes, Mortgages, Assignment of Leases and Rents, Subordination Non-disturbance and Attornment, Agreements, Estoppels, Personal and Corporate Guarantees to ensure completeness and liaised with external legal counsel on outstanding issues prior to closing.

● Performed quarterly reviews of the non-performing loan portfolio and conduct analysis (using ASC 450-20 and/ or ASC 310-10) of these loans for the purpose of allocating the appropriate loan loss reserves. Assisted in recommending, updating and writing of departmental Credit Policies. In the absence of the Department Head acted as the point person for the regulatory audit of the Bank’s loan portfolio by the OCC, FRB, internal and external auditors.

● Responsible for the quarterly calculation of the bank’s allocation to the Allowance for Loan and Lease Loss Reserves (ALLL). Oversaw the preparation of Credit Committee minutes for the bi- monthly Board of Directors review.

● Responsible for the analysis of Derivative Counterparties (SWAPS and FX FORWARDS) and setting of Investment Limits with various Treasury counterparties for the Placement of bank deposits, purchase of Corporate or Municipal Bonds (General Obligations or Revenue Bonds).

● Appointed by the Board of Directors to sit as a non- executive member and secretary of the bank’s Credit Committee. Member of the bank’s Operating Risk Committee. Performed other tasks assigned by the bank’s Chief Credit Officer.

Washington Mutual Bank Mortgage Credit Analyst / Senior Loan Underwriter November 2002 – October 2006

● Underwrote conforming to super jumbo loans (A and Alt-A) that required non-delegated underwriting review of moderate to high complexity.

● Analyzed all types of credit and collateral information pertaining to diverse loan types. Performed credit analysis of loan components for newly originated 1- 4 family residential and commercial mixed use properties submitted by brokers, including applicant's credit, sources of income including detailed analysis of personal and business tax returns, types of property including coops and condos, types of loan including 1031 exchanges and cross collateralization, assets, stream of bank deposits and debt to income ratios.

● Analyzed risk factors along with the presence of compensating factors that mitigated risk to the bank and investors, and structured transactions accordingly. Independently negotiated acceptable levels of loan risk on individual loans with brokers, account managers and risk management. Was appointed delegated credit analyst for home equity loans and lines of credit with second opportunity authority.

Senior Loan Processor and Loan Closer

● Corresponded with loan consultants/brokers/borrowers in order to accumulate information for loan processing. Ordered credit reports, flood certifications and issued disclosure notices, commitment letters. Validated auto-approved loans and re –ran Desktop Underwriter when necessary.

● Processed application and lock in fee checks. Cleared outstanding underwriting conditions and assembled complete loan files for examination by the Underwriter. Inputted data from completed loan applications and prepared closing packages for transmittal to the settlement agent. average pipeline size 120. Promoted to Mortgage Credit Analyst. Financial Sector Adjustment Company (FINSAC) Credit and Collections / Loan Workout Officer November 1998 – September 2001

● Conducted preliminary financial analysis of individual and corporate debtor’s financial statements and repayment proposals.

● Worked out collection strategies and restructured selected accounts in an assigned distressed loan portfolio. Prepared recommendations for litigation to bankruptcy or credit committee approval. Disposed of real estate and other types of loan collateral by requesting statutory notices and arranging sale by public auction or private treaty. Horizon Mortgage Bank Loan Officer/Administrator September 1996 – October 1998:

● Analyzed credit packages including interviewing of potential borrowers and reviewing documents to determine their credit worthiness. Prepared credit memos in accordance with bank and government guidelines.

● Determined eligibility for loans as per standard operating procedures. Prepared credit files in preparation for audit review. Participated in administration and review activities to ensure that proposed loans adhered to existing policy guidelines, that real estate underwriting documentation was adequate to ensure security of collateral and that ongoing administration and review was adequate to maintain the loan portfolio’s quality.

● Provided customer service to existing borrowers. Reviewed documents and coordinated loan closings with customers and the note department. Presented loans to the credit committee to obtain approval.

Workers Savings and Loan Bank Credit Officer January 1993 – August 1996

● Actively involved in all aspects of the lending process including application intake, transaction processing, closing, post closing and portfolio administration. Set up and maintain loan credit and documentation files.

● Tracked and reviewed preliminary and full loan packages for real estate and consumer loans. Ensured the accuracy of data at loan closing. Maintained accurate and organized credit files on borrowers. Pursuant to review of loan documents inputted loan related data for new loans.

● Handled all escrow accounts on consumer loans, prepared escrow analysis, monitored escrow shortages and processed loan payments. Monitored ongoing loan activity to ensure that the borrower remains in compliance with the loan terms and conditions. American Life Insurance Company Sale Representative/Unit Manager December 1988 – December 1992

● Sold and serviced the entire line of the company’s group health, pension, disability and individual life insurance products. Later promoted to unit manager and was responsible for the recruitment, training and supervision of seven (7) sales representatives.

● Assumed responsibility for the management of the entire branch in the absence of the branch manager.

EDUCATION:

Hofstra University (Zarb School of Business) Masters of Science (Finance –Distinction 3.77 GPA) July 2005 – May 2007 (Part time Student)

Courses passed, include but not limited to Real Estate Finance, Fixed Income Analysis, International Finance, Derivatives, Management of Financial Institutions. Washington Mutual Bank Training Courses 2003 - 2006 Senior Loan Coordinator Course, Home Equity Loan Processing Course, Income and Assets Course, Product and Pricing Course, Quality Fair Lending Course, Advanced Income Assessment, Analysis of Self Employment Income, Risk Level Assessment 111, Risk Level Assessment 1V, Community Access Funds, Affordable Housing Course.

University of the West Indies (Mona School of Business) Masters of Business Administration

(Banking 3.5 GPA)

1997-1999

University of the West Indies (Faculty of Natural Sciences) Bachelor of Science Degree

(Honors) (Mathematics major with Computer Sciences-minor) 1984 – 1988

SKILLS: Team building and mentoring junior staff . Outstanding quantitative and analytical ability, knowledge of financial statements and cash flow analysis. Trained in credit analysis, credit administration, collections, loan workouts, sales and sales management. Proficient in the use of MS Word, MS Excel, MS Access, Loan Works, MLCS, Desktop Underwriter., Consumer Lending System, Jack Henry, S&P Cap IQ.

REFERENCES: Available upon request.

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