Commercial Lending

VIOLET K. HICKOX

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

Naperville, IL 60540

630-***-**** Business

630-***-**** Home

******.******@*****.***

CAREER SUMMARY

Over twenty years of financial services experience including account management and underwriting senior secured loans for middle market companies. Experience includes both traditional asset based and cash flow dependent credit facilities.

EXPERIENCE

UNDERWRITING-VICE PRESIDENT-November 2006 to January 2009

GREYSTONE BUSINESS CREDIT

Responsibilities include:

• Screening information from potential new prospects.

• Recommending pursuit of the prospect and negotiating the proposals.

• Overseeing the examination and appraisal processes to ensure all required information is received and analyzed.

• Analyzing commercial real estate income streams and expenses as part of the collateral pool.

• Interfacing with prospect management in order to acquire an in depth knowledge of all aspects of the business.

• Successful development of a credit presentation resulting in loan approval by senior management.

• Legal documentation and negotiation of loan documents ensuring a timely closing of the transaction.

UNDERWRITING-VICE PRESIDENT-May 2003 to November 2006

GMAC COMMERCIAL FINANCE-Asset Based Lending Division

• Primary transaction involvement began after a proposal letter was executed and included the coordination of exam, appraisal and other due diligence functions. Further responsibilities included interfacing with prospect management throughout the underwriting process and concluded with spearheading the legal process and the closing of the credit facility.

UNDERWRITING-VICE PRESIDENT - May 1996 to May 2003

THE CIT GROUP-Asset Based Lending Division

• Involved in all facets of the transaction including initial loan structuring and proposal through approval, legal documents and booking of the transaction.

MIDAMERICA FEDERAL SAVINGS BANK-October 1993 - May 1996

MORTGAGE LENDING

FINANCIAL CONSULTANT-October 1991 - May 1993

RAINBOW DISTRIBUTING COMPANY

• Assessed current accounting procedures and MIS reports; Designed and implemented needed changes.

• Worked with management to develop optimal sales, inventory and cash management strategies.

SENIOR ACCOUNT EXECUTIVE-1987 - 1991

SANWA BUSINESS CREDIT CORPORATION

• Managed a $50 million net portion of the commercial loan portfolio.

• Played an integral role in analyzing and implementing mergers and acquisitions for clients.

• Authored loan requests for both new and current clients for the Executive Credit Committee.

• Interfaced with legal professionals in the documentation of new and current clients and in cases of bankruptcies and/or work-outs.

OPERATIONS ANALYST- 1983 - 1987

HELLER FINANCIAL

EDUCATION

Master of Business Administration

Concentration in Accounting

DePaul University, Chicago

Bachelor of Science

Major in Finance

DePaul University, Chicago

REFERENCES

Available on Request

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