MICHAEL HENDERSON, JR.

469-***-****

adyf26@r.postjobfree.com

Corporate Loan Consultant Profile

Over 10 years of successful production in Corporate Finance, Commercial Real Estate, Commercial Construction, Commercial Transaction Servicing, Business Development, Insurance Sales, Loan Pricing and Contract Review.

Bank operation and syndication subject matter expert with in-depth knowledge of interpreting credit agreements, structuring credit facilities, financial reporting, and risk-controlled financial planning. Loan consultant experienced in resolving complex servicing, pricing, transactional and procedural discrepancies for all commercial lines of business. Commercial Transaction Processor experienced in high-value foreign and domestic currency loan funding and commercial loan research. Additional talent in expanding business portfolios, balance sheet reconciliation, financial modeling, rate pricing and spreading, and executing business development tactics to achieve financial milestones.

Highlights of Expertise

Portfolio Risk Assessment & Risk Mitigation

Negative Rates & Credit Spread Adjustments

Client Management & Retention

Data Analytics & Market Research

Financial Technology System Conversion

SQL for Finance Professionals

Credit Agreements & LSTA Documentation

Corporate Lending Research & Inquiry

Corporate Financial Statement Review

Commercial Real Estate Mergers & Acquisitions

Treasury & Foreign Currency Exchange Services

Corporate Audits & Business Signatory Management

Business Controls & Banking Regulations

Customer Relationship Management (CRM)

Cross-Functional Team Building & Leadership

Credit Analytics & Financial Modeling

Trade Finance & Asset Based Lending

Administrative Vetting & Remittance Instructions

AR/AP & Corporate General Ledger Accounting

Loan Pricing, Loan Servicing & Bookings

LIBOR Cessation QA & QC

Debt Service Coverage Ratios & Financial Covenants

Collateral & Know Your Customer (KYC)

Federal Reserve Exception Reporting

Financial Reporting & Credit Monitoring

Borrowing Base Calculations & Borrowing Base Certificate Business Performance Review

Lease Agreements & Property Management

Special Flood Hazard Area (SFHA) Verification & Commercial Flood Insurance (FEMA)

Career Experience

Collabera - Dallas, TX (Citigroup Contract)

Operations Analyst responsible for the investigation and clearance of general ledger reconciliation exceptions per Federal Reserve reporting and compliance. Required accurate research of cash movement, trade positions, payables, receivables, and all corporate accounting entries for the netting of processed debits and credits.

BUSINESS NETWORK MARKETING – SR. OPERATIONS ANALYST, BUSINESS SIGNATORY MANAGEMENT (Oct 2022 to Jan 2023)

Reviewed Junior Analyst transactions, workflow processes, business procedures, and cash break status for Citi Commercial Bank. Optimized strategies for the reconciliation and financial reporting of Federal Reserve aged cash break exceptions. Balanced corporate loans by analyzing financial technology systems, executed documents, business communications, and notices through internal bank audit review for the Federal Reserve Backlog team. Timely submission and review of department executed proposals for the netting of Federal Reserve 180-to-360-day plus aged cash break transactions.

Performed business control services by assisting in the clearance of $3.2B+ in Federal Reserve aged cash breaks to minimize risk and increase bank margins for Citi Commercial Bank.

Lead Balance Sheet Integrity Analyst group through execution of operation controls and regulatory compliance by implementing industry knowledge of US GAAP regulations and Loan Syndications & Trade Association (LSTA) documentation requirements.

Submitted Citi Commercial Banking (CCB), Commercial Real Estate (CRE), Secondary Loan Trading (SLT), Offshore, and Treasury account adjustments for commercial lines of business.

MARKETS & SECURITIES SERVICES OPERATION CONTROLS – LOAN OPERATIONS RECONCILIATIONS ANALYST (Apr 2022 to Oct 2022)

Coordinated efforts to clear $70MM+ in Federal Reserve reporting of 180-to-360-day cash breaks to open bank originations portfolio for shareholders. Prepared and reviewed loan reconciliation packages while providing support to internal bank departments related to SBA, Secondary Loan Trading, Agency, Bilateral, and Participant syndicated corporate loans. Research and Inquiry through Flexcube and TLM Reconciliations Software to calculate and balance corporate client accounts. Implemented Ad hoc query investigation & data analytics related to cash break clearance for requested lines of business.

Identified root causes of cash breaks and opportunities to improve automated break matching logic for syndicated loan departments.

Recognized loan related control deficiencies while implementing appropriate procedures and solutions to mitigate risk or control losses.

Assumed informal leadership role within the team by coaching and training new recruits and providing guidance and support to junior staff.

TEKsystems, Inc. - Richardson, TX (Bank of America Contract)

Managed loan portfolio as loan closer by booking high dollar syndicated and corporate credit deals. Booked corporate credit agreements while pricing foreign and domestic currencies, pricing indexes, and pricing options for corporate and commercial loan products / facilities.

SYNDICATED AND CORPORATE LENDING-LOAN CLOSER (May 2020 to Nov 2021)

Loan administrator for $15B+ lending portfolio in participant syndicated loans. Adhered to commercial bank’s policies and procedures by interpreting credit agreements while pricing loan facilities. Improved bank risk management through analyzing and booking Amended & Restated, Extensions, Pricing Changes, and Assignment & Assumption agreements per Loan IQ financial technology system. Reported operational feasibility by reviewing executed legal documents and credit approvals, while providing feedback to credit partners for regulatory compliance prior to booking loans. Calculated and processed general ledger entries for corporate loan fees and recons.

Strategically automated lending lines of business by system coding Loan IQ software, including structuring corporate credit facilities and outstanding loans.

Coordinated business development activities by facilitating multiple loan closings originated by the Bank of America Business Capital Credit Team for new, restructured, and amended loans.

Created and analyzed syndication packages including bank remittance instructions, closing documents, pricing confirmations, and investor feedback for the funding of high-value loan closings.

BUSINESS LENDING OPERATIONS-TRANSACTION PROCESSOR (2019 to 2020)

Serviced $100MM+ loan portfolio as Transaction Processor for Bank of America’s Middle Market Wealth Investment team. Upheld high standard of accuracy and timeliness in processing commercial loan payments per loan agreements, wire payments and commercial advances through Loan IQ. Maintained collaboration with business partners to handle default business and special asset group loan payments while assessing client’s personal and commercial DDA accounts to resolve account discrepancies.

Project team commercial servicing partner for Automated Financial Systems (AFS) to Loan IQ system conversion.

Optimized commercial lending lines of business by servicing Global Wealth Investment Management commercial loans through Fusion Loan IQ system.

Streamlined business control processes regarding AFS to Loan IQ loan research and transaction processing for commercial Direct Deposit Accounts & general ledgers.

Restructured Amortization Schedules for commercial accounts through Fusion Loan IQ for corporate portfolio servicing needs.

Calculated and released Cycle Share Adjustments on outstanding and liquidation loans to ensure accurate interest accrual.

Wesson Construction Services, LLC - Dallas, TX

Acquired $3.9MM portfolio to increase market share by contract procurement in the DFW Commercial Construction market. Secured profitable project opportunities and implemented strategies for new business development through online web search, business certifications, and networking events.

PROJECT AND PRE-CONSTRUCTION COORDINATOR (2016 to 2020)

Provided hands-on support in structuring business proposals and monitoring timely bid submission while communicating with vendors to accumulate competitive bid proposals. Informed stakeholders on sound decision making by generating and reporting sales production through provided CRM system and weekly meetings.

Supervised project schedules and jobsite workflow completion while managing vendor and client relationships.

Increased company marketability and position of assets by executing market analytics, event planning, and public relations to ensure consistent business growth.

Drafted business contracts regarding company Joint Ventures, business partnerships, and Teaming Agreements.

Processed and tracked company construction equipment inventory.

Accumulated industry data for submittals, bid proposals, Change Orders and all closing documentation for completion of construction schedules.

State Farm Insurance Company - Richardson, TX

Top seller of insurance policies through effectively negotiating and closing Property and Casualty Insurance policies to achieve sales goals.

PROPERTY AND CASUALTY CCC SALES-FRONT-LINE UNDERWRITER (2016 to 2017)

Reviewed Lexus Nexus reports and processed insurance policy applications to underwrite and accumulate rate quotes for Property and Casualty insurance policies. Acquired Continued Education for industry regulations while applying company product knowledge to ensure underwriting approval and robust risk management. Delivered exceptional customer service by handling inbound / outbound calls and communicating professionally to ensure conflict resolution.

Acquired new business by increasing company sales and cross selling goals for homeowner’s, renters, and auto insurance policies.

Eight additional years of experience from 2008 through 2016 in Sales, Mortgage Finance, Leasing & Property Management, and Marketing within the areas of performing business and personal credit account sales, developing business pipelines, and executing go-to-marketing strategies.

Education

Bachelor of Science - Religious Education, Associate of Science - Psychology, Southwestern Christian College December 2023

NMLS Registered Mortgage Loan Originator, 23-Hour TX-SML SAFE Comprehensive Course, Allied Business Schools, Inc.

NMLS #1521607

Professional Training & Certificates

NMLS Registered State Specific Training – 86 hours of Pre-licensed Education (NMLS Nationwide Website)

LSTA CLE Accredited – Loan Syndications & Trading Association (PAR Trade Settlements)

FEMA Risk Rating 2.0 – Flood Insurance Due Diligence

Technical Skills

Microsoft Office (Excel, Word, Teams, SharePoint, and PowerPoint)

Automated Financial Systems (AFS)

TLM Reconciliations Software (TLM)

Necho Systems – Acquisitions and Investments

Lexus Nexus Reporting

Finastra Loan IQ

Encompass

Flexcube

Salesforce

SyndTrak

DocuSign

Zoom

References available upon request.

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