Banking Manager, District Manager

Larry A. Bridglal

Ph: 1-857-***-****

Email: **************@*****.***

Banking Center Manager.

Summary:

●With Over 16 years of Industry experience in Banking Sales of Commercial & Consumer Loans, Loan Origination, Analytics, Processing, Underwriting & Lending with Lending as a Business Relationship Manager and Banking Branch Manager.

●Formal Credit Trained by RBS Citizens Bank, SeaComm FCU, The SBA/ODA, in Commercial lending, Approving,

●10+ Years of prior ABL Business Development and/or Relationship Management experience at a Bank & Credit Union,

●Prior direct underwriting experience for ABL in Banks & Credit Unions,

●Extensive experience in gathering Business/Functional user requirements, creating Use Cases as per user requirements, developing/designing diagrams such as Activity, Class, and or Sequence diagrams, and in addition to creating Business Requirements Documentation using MS Office and Dynamics,

●I have experience as a lender formerly trained in the 5'c of credit with credit unions with Banks & the SBA Small Business Administration of America., And also in consumer loans credit analyzing for credit worthiness of applicants and approving loans, from compiling, processing, underwriting, approving, funding, servicing, restructuring for effective credit evaluation and making recommendations of the creditworthiness of the customer to closing of small to medium sized commercial loans in the amount of $50,000 - $5,000,000, for Various Banking Institutions, Rainstar Capital Group,

●Strong Financial domain experience in Core banking, Credit Cards, Capital markets, Wealth Management, Investment Banking/Asset Management, Equities, Commercial Lending, Wholesale Finance, Loans, Deposits, Mortgage,

●Commercial loan data gathering using Fiserv, Nataullus, EVO, inputting data into salesforce, Share point system,

●Ordering Appraisals, working with Senior loan officers to update and track valuation reports, making recommendations to attorney’s and loan officers on property values for Loan & Line recommendations, assisting in decision making etc..

Professional Office Skills as a Commercial Portfolio Manager:

●Collected and analyzed financial statements, tax returns, and other business information to evaluate customer and prospect loan requests.

●Assist in preparing loan presentations, underwriting analysis, and credit memos for approval.

●Conduct periodic loan reviews to ensure compliance with loan terms and conditions.

●Support loan closings by coordinating documentation, ensuring accuracy, and confirming compliance with policies.

●Monitor loan covenants and follow up with borrowers for required reporting.

Customer Contact and Relationship Management:

●Acted as back up support for the assigned lender as a point of contact for customers, addressing inquiries regarding loan accounts, modifications, and other banking needs.

●Worked closely with lenders to maintain strong client relationships and ensure excellent customer service.

●Assist in gathering updated financial and operational information from borrowers as needed.

Portfolio Analysis and Management:

●Conducted ongoing portfolio analysis to identify trends, concentrations, and risks to clients.

●Track and report on key portfolio metrics, including delinquencies, risk ratings, and renewal schedules.

●Collaborated with the lending team to develop action plans for underperforming loans or high-risk accounts.

Compliance and Risk Management:

●Ensure adherence to bank credit policies, regulatory requirements, and risk management standards.

●Identify potential problem loans and recommend solutions to mitigate risk.

●Maintain detailed and accurate records of credit files and loan servicing activity.

Collaboration and Support:

●Partnered with the Chief Lending Officer and lenders to achieve departmental and organizational goals.

●Support business development efforts by providing analytical insights and recommendations.

●Assist in special projects, audits, and other duties as assigned as the business need dictates.

Computer Software:

●CUSA Credit Union Sys, 360 Cuttle auto Loan System, Salesforce, Ncino, CRM Software,

●Abrigo, Ariba, Bank Licensed Software for SBA/PPP Loan Processing, MS Dynamics 365/ Excel / D&B,

●Proficient in MS Office, Microsoft Dynamics 365, Windows XP, 7, 8, 10, iPhone, MAC, Adobe PDF, Google Office,

●Used & Trained in wide range of Financial Software, Collections software Lexisnexis, Nautilus, EVO, Sharepoint,

●Call center systems Ethos, Amazon AWS, Google Five9

●Facebook, LinkedIn, Referral key, google, apple, Instagram, twitter, GoToMeeting, Zoom, Skype or WebEx,

●Certificate in Computer Programming, Certificate in Graphic Design Comp Tia accredited,

●Knowledge and experience working with Episys / Symitar, Meridian Link and Q2 Banking.

●Underwriting commercial and consumer loans for 5 years.

●Data entry 10 years, Microsoft Office 22 years,

●Project management 10 years, administrative 10 years, CRM - Salesforce, 10 years, Call center 5 years, Financial Sales 20 years, Loan Origination, analytics, processing 15 years, Management 10 years, Finance operations, Underwriting & Lending 10 years.

●6+ months experience with Dividend and Interest Payment Processing & Collections,

●Experience in handling global custody positions and income payments ACH, Collections,

●Experience with MS office Suite, reporting & Documentation CRM/ Sales Force,

●BA/BS degree or equivalent work experience in Banking Management & Sales,

Professional Experience:

Senior Loan Officer Credit Union Sales.

Loan & Credit Specialist, Credit Analysing, Loan Processing, Approving.

Metrowest Federal Credit Union, Framingham MA, April 2024 - Nov 2024. (Contract Position)

Under the direction of the Operations Manager, the Deposit Operations Specialists execute a wide range of credit union support to the Credit Union for the processing of All loans, ACH, Debit Cards, Transaction Processing, Share Draft Processing, IRAs, Member Account Maintenance, Electronic Banking and other functions that may be assigned.

●Wrote Business Requirements Document (BRD) by conducting detailed interviews with business users, stakeholders & SMEs to determine, write, communicate & prioritize clear & well-defined business and functional requirements for software enhancements specifically related to the ACBS (Advanced Commercial Banking Platform).

●Consumer loan processing of Auto loans, personal loans, Credit Card loans, Home Equity loans.

●Gathering information for the loan app

●Evaluating credit histories for app.

●eDfined the scope and business rules of the project, gathering business requirements, and document them textually and using models.

●Collecting data from customers regarding assets, debts, employment, etc

●Researching and correcting mistakes on app

●Reviewing file for documentation and missing info

●Meeting loan deadlines

●Providing support to The SVP Loan Officer & CEO as needed.

Banking Sales & Lending Manager.

SeaComm Federal Credit Union., South Burlington, Vermont. 05/2022 – 12/2023.

●This position had overall responsibility for a Banking Center of 6-10 employee’s and the effective performance of a full-service branch within the assigned region, including operations, production, client service, training, security, and safety in accordance with the bank’s objectives. This position will be responsible for the performance objectives and procedures for the region’s consumer banking function and managing the teams’ goals and objectives of their business lines.

●Collaborating with business stakeholders, architecture, and integration teams to deploy multiple applications for business partners.

●Gathered, built, and reviewed BRD and FRD documentation regarding linkage of accounts and worked with corresponding departments to articulate requirements.

●Formally credit trained and experienced in consumer underwriting/accounting concepts, pricing methodologies and/or funding arrangements in consumer and commercial loans from application to closing.

●Assigned cases/book of business to include multiple product types for funding arrangements and/or rating methodologies.

●Prepares and delivers moderately complex new business quotes and underwrote before and approving for funding.

●Complexity of work increases as technical skills progress.

●Independently reviews work from all staff members for accuracy and recommends pricing and/or accounting alternatives based on financial analysis, underwriting principles, and business strategy.

●Anticipates questions and formulate responses based on the lending policies of the credit Union for approval.

●Utilizes advanced functionality of underwriting tools, systems, Jack Henry Symitar and reference materials to produce accurate quotes.

●Applies underwriting guidelines and grants underwriting exceptions/financial variances for their assigned cases within the authority limit for the position.

●Analyze and underwrite C&I and CRE credit requests with attention to the 5 C's of Credit: Character (FICO), Capacity, Capital, Collateral, & Condition of their asset, whether all business assets (ABA), real estate or otherwise.

Commercial C&I Loan Officer, SBA Commercial Loan Processor, Approving.

Credit Analyst of SBA Loans. (Temp Contractor)

Brookline Bank, Business Banking & Underwriting Department. 08/2021 – 05/2022

●This position was a remote and onsite in Medford MA retail banking location, where I was responsible for all aspects of the, PPP Forgiveness loans, from application point into the banking system, and approving of all SBA loans,

●Reviewing the applications for completeness, and contacting the customers for information to support their application, inputting the information, adhering the Quality control-according to the bank and SBA policies, and approving the loans before submission the SBA for funding through the Bank.

●Respond to loan inquiries, review loan requests, and conduct interviews with potentially qualified applicants,

●Underwrite loans by interviewing loan applicants, conducting due diligence, analyzing financial data, and performing risk assessments

●Finalize the loan process by preparing and submitting credit memos for further review, or recording and communicating loan denials in detail,

●Provide clear communication with clients concerning the outcome of their application: terms of loan approvals; specific reasons for loan denials; and possible avenues for future success.

Banking Sales, Assistant Manager.

TD Bank., Quincy's Artery Branch, Massachusetts. 11/2020 - 08/2021.

●Manager of 6 employee’s and all Branch Sales, Customer Service, Operations staff, Teller and Platform staff and their duties,

●Responsible for and Leads all store operational standards, including cash handling, control of negotiable items, preventing fraud, quality and audits,

●Lead a Team of 6 employee’s by example and coached the team members to focus on customer experience, by having needs-based conversations, and offering Financial solutions to meet our customer’s needs.

●Provides supervision/coaching/mentoring of all teller and platform staff to positively reinforce behavior and assist with staff with Development and planning to give superior customer service,

●Primarily worked in other retail branches and occasional travel for training and regional meetings with district managers and answering sales calls, both internally and externally.

SBA Loan Officer & Processor, Credit & Collections Analyst Lender of Business Loans. (Temp Contract Position)

SBA Business Administration of the United States. 09/2020 – Nov 2020

●This position supports the SBA in their processing of the Economic Injury Disaster Loans submitted by small businesses across the country in the wake of COVID-19, SBA/ODA Office, leading a team of 20 loan officers,

●Reviewing all SBA Applications for completeness and contacting applicants for documentation and adding to system,

pulling and reviewing credit reports, contacting and submitting applications, approving, or declining the loans after all due diligence is done.

● Primary responsibility includes writing business rules and creating system requirements by setting up meetings with project managers, architects, developers, testers, business, designers, legal, and other stakeholders. It also includes creating and updating user stories.

●Respond to loan inquiries, review loan requests, and conduct interviews with potentially qualified applicants,

●Underwrite loans by interviewing loan applicants, conducting due diligence, analyzing financial data, and performing risk assessments

●Finalize the loan process by preparing and submitting credit memos for further review, or recording and communicating loan denials in detail

●Provide clear communication with clients concerning the outcome of their application: terms of loan approvals; specific reasons for loan denials; and possible avenues for future success.

Commercial Loan Sales & Relationship Manager (Commission 1099)

Rainstar Capital Group. 10/2009 – Nov 2020

●As an independent agent, Broker & Vendor of RainStar Capital Group to offer and accept applications, processed, assessed the credit worthiness of borrowers, made credit determinations based upon analyst of cash flow and credit, approved as needed,

●This included Business Loans, Credit Cards, Lines of Credit Secured and Unsecured, Cash Flow advance, Factoring or accounts receive financing,

●Collaborating with business stakeholders, architecture, and integration teams to deploy multiple applications for business partners.

●Excellent knowledge in Asset Management, Wealth Management, Investment Banking, Derivative products such as Options and Futures, Credit Card, Insurance and Bonds.

●Analyze and underwrite C&I and CRE credit requests with attention to the 5 C's of Credit: Character (FICO), Capacity, Capital, Collateral, & Condition of their asset, whether all business assets (ABA), real estate or otherwise.

●Asset Based Loans, Equipment based leased, real estate financing to any industry sector.

●Respond to loan inquiries, review loan requests, and conduct interviews with potentially qualified applicants,

●Underwrite loans by interviewing loan applicants, conducting due diligence, analyzing financial data, and performing risk assessments

●Finalize the loan process by preparing and submitting credit memos for further review, or recording and communicating loan denials in detail

●Provide clear communication with clients concerning the outcome of their application: terms of loan approvals; specific reasons for loan denials; and possible avenues for future success.

Education :

The Table Group, Completed Management Training.

Virtual & In person Management Training for Leaders from the Table Group. April 2022.

Completed BAI Professional Management Training.

Developing Diverse Teams, Training Tips & Techniques,

Effective Leadership, The Future of Work, Bank Security Awareness. May 202- April 2023

TD Bank NA, Branch Management Training. Nov 202- Aug 2021

Completed Training in Branch and Retail Banking,

Supervisor & Management Training, Quality Control, Audit Training.

SBA/ODA Small Business Administration of America, Government Agency.

Certificate Received training in Cyber Security, SBA/PPP Loan Analytics and Processing. Sep 2020

Citizens Bank Training Division, Banker & Branch Supervisor.

Associate degree, Medford MA & University Ave. Jan 2005 – May 2005

In Store Banking and Traditional in Retail Banking, Sales, customer Service, Loan originations, Account manager.

State of Georgia, United States of America.

Completed Adult Education, GED Certificate. Jan 1992 - Aug 1993.

USA Department of the Army Ft Stewart, Georgia.

Certificate in MS Dos programs & Prewrite Word Processing software. April-May 14th, 1993

University Of the West Indies, St Augustine. Trinidad West Indies. Jan 1987 - Aug 1988 Associates Degree in Computer Programming.

American Computers Ltd / Comp TIA Certified Accredited, Trinidad West Indies. Jan 1999 - June2001

Diploma in Graphic Design software, including MS Publisher, Adobe Photoshop, AutoCAD, Corel Draw.

San Fernando Technical Institute, Trinidad West Indies. May 15th, 1998

Certificate in AutoCad Pt 1. Computer Drafting.

Real Estate Academy, Waltham MA

(Completed Coursework in Real Estate Concepts for Sales associates). December 12th, 2004

State Licenses:

●Notary Public Commonwealth of Massachusetts, My Commission Expires Jan 31st, 2031.

●Notary Public State of Vermont, My Commission Expires Jan 31st, 2027.

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