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

Shaker Heights, OH *****

Matthew Schorgl 216-***-****

ady9ng@r.postjobfree.com

Education Cleveland State University

Masters of Business Administration, Summa Cum Lade Cleveland, OH

2009

Miami University

B.S. Business Administration

Major: Finance

Major: Management Information Systems

Oxford, OH

2004

Experience KeyBank National Association

Small Business Administration Underwriter

Decision new credit requests with lending authority of up to $1 million

Drafted credit write-ups up to $10 million for Senior Credit Officer approval

Underwrite loan modifications, renewals and reviews

Analyze MRA spreads, business financial statements, personal financial statements and personal credit history of principals to determine the credit worthiness of SBA loan applications

Knowledgeable of KeyBank’s credit policy, 2-dimensional risk rating model, and SBA Standard Operating Procedure

Draft Asset Quality Reports for the Asset Recovery Group’s strategic meetings regarding criticized and troubled credits

Underwrote PPP loans during the COVID-19 pandemic Cleveland, OH

5/2015 – 9/2021

Senior Credit Analyst (Mirrored Underwriters)

Part of a rotational program to analyze new credit requests for multiple lines of business: Middle Market, Business Banking, and Small Business Administration

Partner with Underwriters to learn KeyBank’s strategy with respect to lending with the goal of becoming a fellow underwriter

Meet with line of business Relationship Managers to pre-flight prospects and construct cash flow models

Performed covenant testing and assign risk ratings based on bank credit policy

Cleveland, OH

10/2012 – 5/2015

Service Officer

Coordinate with KeyBank’s legal counsel, Portfolio Managers, and Loan Syndicators to perform due diligence and book new accounts

Analyze credit agreements and work with other banks to fund deals and collect interest and fees

Perform accrual accounting and respond to customer inquiries

Responsible for millions of dollars in transactions

Performed Asset Based Lending analysis

Cleveland, OH

11/2005 –

10/2012

McDonald Financial Group

Trust Analyst

Open new trusts, IRA accounts and, agency accounts

Review trust documents and agency contracts

Ensure accounts have met bank compliance standards

Initiate assets transfers with outside financial institutions to fund new trust accounts

Cleveland, OH

8/2004 – 11/2005

ITF Global Partners

Intern

Valuated businesses for the Managing Partner

Analyze economic and market conditions

Assisted with the sale of a business

New York, NY

5/2003 – 8/2003

Technical Skills MRA Risk Analysis LoanIQ Sales Force Stucky ABL Oracle/SQL Microsoft Word Microsoft Excel Microsoft Access Professional Skills Analytical Analysis Written and Verbal Communication Credit Underwriting Financial Statement Analysis

Spreading Financial Statements Personal Credit Report Analysis Risk Management Risk Rating Modeling

Corporate Credit Policy Auditing

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