Business Development Real Estate
Resume:
JAMES FOX
Mount Kisco, New York **549
************@*****.***
(Cell) 914-***-****
EXECUTIVE SUMMARY:
Senior credit and relationship management / business development professional. Credit trained with substantial expertise in Diversified Industries, cross-selling ancillary and highly structured products, to a business banking as well as diversified Fortune 1000 portfolio. I maintain an unblemished corporate banking career including formal credit training, extensive experience in credit analysis, financial modeling, and complex asset-based transaction structures. Extensive interaction with C-Suite managers and Treasury managers..
EXPERIENCE:
2024-Present VISION GLOBAL – New York
Real Estate Business Development Manager:
Successfully obtained multiple $20,000,000+ construction and value-add RE opportunities, including standard debt, Mezz debt and equity.
-Solicit targeted clients;
-Establish business relationships and promote bank approved products and services to prospective clients;
-Understand client needs and identify potential business opportunities with prospective clients;
-Take charge of initial due diligence analysis and work with Credit Analyst to complete the KYC reports via the Actimize system;
-• Prepare credit rating and credit line application;
-• Perform credit and relevant financial analysis and prepare credit application report and direct Credit Analyst to complete the CMS and GCMS input
BANK OF AMERICA, Fairfield Connecticut
2022-2024 Business Development Officer and Credit Analyst
Generated credit (loan) and deposits products– always exceeding goals. Extensive cold calling and meeting with prospect customers. Loan sizes range from $750K to approximately $7.5M – including C&I, equipment financing and Real Estate. Sr credit and portfolio manager.
-Independently reviewed and identified risks of internally developed credit models and applications.
-Identified and communicated to management key emerging economic trends that have an influence on the health of counterparties.
-Produced credit analysis of members, counterparties, mortgage insurers, vendors, mortgage servicers and housing acquaintances
JAMES FOX INCORPORATED, Fairfield CONNECTICUT
2016-2021 Owner – Fairfield Wines and Spirits
Owner of a $3.0 Million wine, spirits and beer liquor store in Fairfield CT.
CITIZENS BANK, STAMFORD CONNECTICUT
2015-2016 Director and Relationship Manager
Relationship and Business Development Officer responsible for establishing a Middle Market C&I, and middle market Aerospace and Defense portfolio, as well as equipment financing and cross selling Citizens Bank fee-based products to private equity firms.
SUMITOMO MITSUI BANKING CORP, NEW YORK
2007-2015 Director, Team Leader and Relationship Manager
Relationship and Business Development Officer responsible for overseeing and expanding 2 separate portfolios consisting of Aerospace and Defense, Airlines and Transportation companies, as well as Middle Market C&I companies. Manage and supervise 2 successful junior relationship officers, as well as 2 credit analysts. Sr credit and portfolio manager.
- Established and developed the bank's aerospace and defense portfolio. Grew aerospace and defense portfolio from 6 companies to 21. Cross sold the banks products, including FX, SWAPs, Letters of Credit, Project Finance, Trade Finance, Leasing, and Real Estate Finance -on both a bilateral and syndicated basis.
- Expanded the bank's transportation portfolio to include all aspects of the sector, excluding auto-related.
1997-2007 BAYERISCHE LANDESBANK, NEW YORK
Vice President and Relationship Manager
Relationship and Credit Officer for a $1.2 billion portfolio of diversified manufacturing companies, including auto, aerospace and defense, chemical, food, diversified industrial and non-bank financial institutions. Responsibilities include developing new business opportunities and expanding existing relationships with new and existing customers. Transaction types consist of all types of credit products, project finance, export finance, and derivatives. Strong focus on fee income and maintenance of credit quality. Manage three credit analysts and credit approval process.
-Developed and implemented strategies for business development and portfolio growth for various industries. Increased overall portfolio size from $700 million to $1.2 billion, increased annual revenue from $2.6 million to $8.3 million.
-Positioned Bayerische Landesbank to compete against largest U.S. and International banks.
1996 – 1997 FLEET FINANCIAL GROUP, NEW YORK
Vice President - Relationship and Portfolio Manager
Responsibilities included developing new business and expanding existing relationship within Fleet Bank's Specialized Lending Division, as well as supervise several credit analysts within this area. Customer base consists of primarily Fortune 1000 non-bank finance companies specializing in leasing and transportation equipment companies. Transaction types consist of unsecured lending, equipment financing,secured asset-backed transactions and lease transactions. Maintained existing portfolio of customers, monitored credit quality with regards to collateral preservation and compliance with documentary requirements, and supervised up to three credit analysts.
1990 – 1996 DEUTSCHE BANK NA, NEW YORK
Assistant Vice President (Portfolio & Credit Manager)
Performed financial credit and strategic analysis on a $2.2 billion portfolio consisting of both Fortune 500 Aerospace and Defense, and industrial and medium-sized non-investment grade companies. Prepared written credit reports, review and negotiation loan. documentation, and supervised up to four junior analysts and German interns. Sr credit and portfolio manager.
-Performed full credit evaluation and obtained loan approvals for Agent and Co-Agent positions for various syndicated credit transactions.
-Assisted with pricing, structuring and syndication of Deutsche Bank originated transactions.
1988 – 1990 HYAKUJUSHI BANK, NEW YORK
Manager
Performed detailed financial analysis for loan and letter-of-credit transactions, prepared written credit reports and loan applications, assisted with the review and negotiation of loan documentation . Industries including integrate oil, real estate, manufacturing, forest products, assets-backed financing, hotels, energy and municipalities.
-Performed strategic and financial analysis on restructuring proposals of numerous non-performing loans and workouts including Federated Department Stores, The Trump Shuttle, USG and Tucson Electric Power.
1987 – 1988 STANDARD AND POOR'S, NEW YORK
Credit Analyst
Responsible for all analysis regarding issuing, reviewing and maintaining of both outstanding and new public debt of thirty-five companies. Met with senior management of companies in order to gain a better understanding of their business, its environment and its financial condition.
1986 – 1987 ARTHUR YOUNG AND COMPANY NEW YORK
Senior Financial Analyst
Responsible for the valuation of tangible and intangible assets of public and private companies for the purpose of mergers, acquisitions, corporate restructurings and related activity.
EDUCATION: CITICORP SCHOOL OF BANKING, NEW YORK
Summer 1991 Completed formal credit training program. (Sponsored by Hyakujushi Bank)
Concentrated program consisted of core elements of Citicorp's basic six-month credit training.
NORTHEASTERN UNIVERSITY, BOSTON
1984-1986 Masters of Business Administration
Concentrations in Finance and Accounting
1978-1982
OTHER:
STATE UNIVERSITY OF NEW YORK, NEW PALTZ, NEW YORK
Bachelor of Science Business Administration Concentration in Financial Management - Minor in Law
Series 79, Life and Health Insurance licensed in NY and CT, Proficient with Excel, Microsoft Word, Power Point..
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