Patrick J. Ball

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

Clarence Center, New York 14032

Home 716-***-****, Cell 716-***-****

adzcgj@r.postjobfree.com

SUMMARY

I possess a strong background in commercial lending, business development, financial analysis, credit analysis, risk mitigation, risk analysis, problem solving, portfolio management, business writing, supervision, and customer relations. My accomplishments are the result of hard work, persistence, training, and self motivation. These attributes, experience, and credit skills would be beneficial to your company.

SKILLS: Financial analysis, portfolio management, decision making, risk mitigation, problem solving, legal documentation analysis,

customer service, business development, supervision, employee motivation, business writing, time management, problem

solving, MS Word, Excel, PowerPoint, Internet, Lotus Notes, Workflow, Outlook

EXPERIENCE:

6/22 - Present Vice President, Sr. Portfolio Manager Healthcare

M&T Bank, Buffalo, New York

-analyze and monitor loan exposure for assigned Healthcare portfolio $1,000,000 to $100,000,000

-identify current and potential loan problems in a timely manner to minimize losses and maximize earnings

-actively review and monitor a portfolio of Healthcare related loans on ongoing basis to ensure compliance with Bank policy

-monitor and review portfolio of problem loans to ensure compliance to regulatory policy

-independently validate the accuracy of risk ratings and make recommendations to management

-perform collateral analysis for credit decisions and evaluation purposes

-actively participate in quarterly loan review meetings to discuss/review criticized loans in depth and perform the necessary pre and post reporting requirements

-actively creating new department forms for use within the bank for loan reporting

-project management to review policies, procedures, and forms for bank use

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10/14 – 6/22 Vice President, Sr. Credit Quality Assurance Analyst

M&T Bank, Buffalo, New York

-analyze and monitor the credit quality and loan exposure for assigned portfolio $1,000,000 to $100,000,000

-identify current and potential loan problems in a timely manner to minimize losses and maximize earnings

-actively review and monitor a portfolio of problem loans on ongoing basis to ensure compliance with Bank policy

-monitor and review portfolio of problem loans to ensure compliance to regulatory policy

-independently validate the accuracy of risk ratings and make recommendations to management

-perform collateral analysis for credit decisions and evaluation purposes

-actively participate in quarterly loan review meetings to discuss/review criticized loans in depth and perform the necessary pre and post reporting requirements

-actively creating new department forms for use within the bank for problem loan reporting

-project management to review policies, procedures, and forms for bank use

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11/12 – 10/14 Assistant Vice President, Senior Loan Reviewer I

M&T Bank, Buffalo, New York

-analyze and monitor the credit quality and loan exposure for assigned portfolio $1,000,000 to $100,000,000

-identify current and potential loan problems in a timely manner to minimize losses and maximize earnings

-actively review and monitor a portfolio of loans on ongoing basis to ensure compliance with Bank policy

-monitor and review portfolio of loans to ensure compliance to regulatory policy

-independently validate the accuracy of risk ratings and make recommendations to management

-perform collateral analysis for credit decisions and evaluation purposes

-actively participate in quarterly loan review meetings to discuss/review criticized loans in depth and perform the necessary pre and post reporting requirements

3/011 – 6/12 Vice President, Senior Business Relationship Manager, Small Business Middle Market Lending

Citizens Bank, Buffalo, New York

-perform financial review, analysis, and recommendation for commercial loans from $350,000 to $3,000,000

-manage a $12,000,000 portfolio of small business customers to maximize profit potential

-establish contact with new business customers and arrange dates for new loans and renewed credit facilities

-cross-sell additional bank products to maximize full profit potential, cash management, consumer loans, and deposits

-responsible for $4,000,000 in yearly new loan development

-perform collateral analysis for credit decisions and evaluation purposes

-review economic trends and industry studies to determine risk factors

3/09 – 03/11 Vice President, Senior Relationship Manager/Small Business/Middle Market Lending

HSBC Bank USA, Buffalo, New York

-perform financial review, analysis, and recommendation for commercial loans from

$350,000 to $5,000,000

-manage a $10,000,000 portfolio of mortgage banking companies to maximize economic profit

-cross-sell additional bank products to maximize full profit potential, including insurance, cash management, letters of credit, foreign exchange, commercial loans, and deposits

-establish contact with customer and arrange dates for new loans and renewed credit facilities

-responsible for $3,500,000 in yearly new loan development

-perform collateral analysis for credit decisions and evaluation purposes

-review economic trends and industry studies to determine risk factors

3/01 – 10/08 Vice President, Relationship Manager/Mortgage Warehouse Lending

HSBC Bank USA, Buffalo, New York

-perform financial review, analysis, and recommendation for commercial loans from

$5,000,000 to $50,000,000

-manage a $250,000,000 portfolio of mortgage banking companies to maximize economic profit

-cross-sell additional bank products to maximize full profit potential, including insurance, cash management, commercial loans, and deposits

-establish contact with customer and arrange dates for new loans and renewed credit facilities

-responsible for $40,000,000 in new loan development

-perform collateral analysis for credit decisions and evaluation purposes

-review economic trends and industry studies to determine risk factors

-traveled and managed north east USA locations of commercial mortgage bankers portfolio

10/00-3/01 Assistant Vice President/Field Underwriter/Relationship Manager

HSBC Bank USA, Rochester, New York

-performed financial review, analysis, and recommendation for commercial and

personal loans from $250,000 to $1,000,000

- granted loan authority up to $250,000

-managed portfolio of 60 accounts on credits $250,000 to $1,000,000

-reviewed economic trends and industry studies to determine risk factors

-established contact with customers and arranged meeting dates for new loans and renewed credit facilities

-performed collateral analysis for credit decisions and evaluations purposes

-prepared documents and proposed commitments for credit decisions

4/00-10/00 Assistant Vice President/ Small Business Relationship Manager

HSBC Bank USA, Rochester, New York

- developed new business totaling $1,500,000 in loans and deposits

- established relationship with small business customers

- represented bank in community and social events

- served as pilot person in new position developed by the bank

- performed financial review, collateral analysis for recommendation for new and current loan

proposals

- handled branch operational activities in relation to business development in absence of Branch

Manager

- developed sales opportunities for bank insurance and investment products

- handled current business customer annual renewal process

2/98-4/00 Commercial Loan Officer/Special Classified Credits/Relationship Manager

Marine Midland Bank, Rochester, New York

-managed a portfolio of troubled commercial loans totaling $10,000,000

-worked problem loans to re-establish loans back to accrual status

-managed additional problem loan portfolio out of Philadelphia, PA totaling $7,500,000

-represented bank in community and social events

-performed financial review, collateral analysis for recommendation for current loan proposals

-handled problem loan customers annual renewal process

-established relationships with law firms to find legal remedies when necessary

6/97 - 2/98 CREDIT ANALYST OFFICER, Marine Midland Bank, Buffalo, New York

12/94 - 6/97 BRANCH CREDIT ANALYST II, Marine Midland Bank, Buffalo, New York

EDUCATION: Master of Business Administration (MBA), October 2006, University of Phoenix

Bachelor of Science in Business (BS), May 1990, State University College at Buffalo, Buffalo, New York

AFFILIATIONS: Past President, Genesee Valley Chapter of the Robert Morris Association (RMA)

Board Member, Buffalo Chapter, Risk Management Association (RMA)

Turn-A-Round Management Association (TMA)

American Institute of Banking (AIB) Instructor- Commercial Banking//Economics

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