Solomon Angela
D
Roselle,NJ
Summary
Seasoned commercial banking sales expert, proficient in assessing the creditworthiness of clients, particularly for complex and intricate transactions. Skilled at evaluating the risks associated with lending and extending credit. Driver of exceptional growth, fostering and enhancing client relationships, and developing comprehensive, long-term plans for high-net-worth and ultra-high-net-worth investors. I aim to utilize my expertise to pursue opportunities in credit risk management actively.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Vice President, Mortgage Solutions
JP Morgan Private Bank
New York, NY
07.2021 - Current
- Developed and executed strategic plans to support the vision of the organization.
- Collaborated with colleagues to deliver innovative and enduring solutions for clients.
- Used client personal/business tax returns, balance sheets and rent rolls to perform financial risk analysis and possible exposure calculations.
- Conducted risk assessments of transactional data to identify signs of heightened risk exposure.
- Provided advice on real estate financing advantages and risks to affluent individuals.
- Evaluated client financials in advance to recommend tailored product solutions aligned with their objectives while minimizing any potential risks.
- Provided support to Senior Underwriters during client loan application processing.
- Guided and instructed junior teammates through the mortgage application process from initiation to completion.
- Annual production of $80-$100 million per year.
Associate Director, Wealth Management
UBS Bank
New York, NY
10.2016 - 01.2020
- Knowledgeable specialist in mortgage lending products, actively engaging with clients and financial advisors at every stage of the loan process, from initial approval application to funding.
- Calculated borrowers’ income (including Personal/Business tax returns, K1’s, P&L statements, Balance sheets etc.)
- Reviewed client credit reports, confirming liabilities and debt-to-income ratios are within lending guidelines.
- Worked closely with the field sales team to develop regional plans focused on improving sales and efficiency, while also addressing any potential risk factors among high-net-worth clients.
- Achieved an average annual mortgage sales volume of $70 million.
Assistant Vice President, Private Banking
Morgan Stanley
New York, NY
07.2014 - 10.2016
- Transformed the firm’s Wealth Management culture by advocating for Private Banking and Lending offerings, including Securities-Based Loans and Mortgage Loans.
- Formulated innovative solutions for structuring client transactions and suggested effective alternatives.
- Led understanding and awareness of products, focusing on Advisor Territories.
- Client Pre Underwriting/Letter of Credit expertise in evaluating liquidity, capital adequacy, default probability and structuring.
- Partnered with Field Banking Teams on company-wide efforts to seize additional lending prospects.
- Annual production was $55 million between mortgages and securities based lines of credit.
Private Client Mortgage Bank
JP Morgan Chase
New York, NY
05.2012 - 04.2014
- Ensured exceptional service for a high-end client base.
- Fostered strong client connections by effectively promoting and marketing mortgage offerings to clients both within and beyond branch territories.
- Conducted thorough evaluations of credit reports, income, and assets to assess credit eligibility.
- Stayed up to date on real estate trends and guidelines such as FHA, VA, FNMA, and FHLMC
- Provided guidance and support to fellow colleagues to foster their professional advancement.
Licensed Personal Banker
JP Morgan Chase Bank NA
New York, NY
06.2010 - 04.2012
- Established credibility and rapport with clients to assess their financial needs and potential risks.
- Used client profiling analysis techniques and provided recommendations regarding products and services to improve each customer’s banking relationship.
Credit Sales/Loan Analyst
Municipal Credit Union
New York, NY
08.2009 - 05.2010
- Reviewed credit assessments to offer Auto and unsecured loans according to requirements and credit assessments, encompassing FICO scores, Loan to Value, NADA, and Kelly Blue Book Values.
- Managed discussions and finalized credit judgments, covering Approval, Rejection, or Alternative Offers.
- Dispensed reliable and personalized guidance on financial solutions by thoroughly assessing individual client needs and circumstances.
- Promoted credit union offerings like credit insurance, credit cards, secured and unsecured loans.
- Achieved an average of $1.5 million monthly in loan sales and related products.
Education
Bachelor of Arts - Multidisciplinary Studies
Stony Brook University
Stony Brook, NY05-2008
Skills
- Sales Leadership
- Risk Management
- Metrics Tracking
- Operations Management
- Client Relationship Building
- Process Improvement
Certification
- Series 7
- Series 63
Timeline
Vice President, Mortgage Solutions
JP Morgan Private Bank
07.2021 - Current
Associate Director, Wealth Management
UBS Bank
10.2016 - 01.2020
Assistant Vice President, Private Banking
Morgan Stanley
07.2014 - 10.2016
Private Client Mortgage Bank
JP Morgan Chase
05.2012 - 04.2014
Licensed Personal Banker
JP Morgan Chase Bank NA
06.2010 - 04.2012
Credit Sales/Loan Analyst
Municipal Credit Union
08.2009 - 05.2010
Bachelor of Arts - Multidisciplinary Studies
Stony Brook University
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