Brian Smith
Apex,NC
Summary
Over 25 years of experience in the financial services industry in credit roles within commercial banking, corporate banking, leveraged finance and loan syndications with expertise in loan origination, underwriting analysis, portfolio management and credit approval. My experiences have allowed me to develop an extensive skill set and knowledge of credit analytics, risk mitigation and client management.
Overview
26
26
years of professional experience
Work History
Senior Vice President/Credit Officer II
Fifth Third Bank
11.2019 - Current
- Act as the Credit Officer for the Carolinas region to include offices in Charlotte, Raleigh, Greensboro, Charleston and Greenville
- Decision commercial loan requests up to $35MM dependent upon internal risk rating
- Lead meetings with credit support staff regarding portfolio performance and any migration into/out of criticized ratings
- Provide guidance and expertise around structure of transactions
- During my tenure, the commercial loan book within the Carolinas has grown by over $1.5 billion with no charge-offs on any deals I approved
Senior Vice President/Loan Team Manager – Triangle/Eastern NC Commercial Banking
Wells Fargo Bank/Wachovia Bank
06.2008 - 10.2019
- Analyzed, reviewed and decisioned middle market C&I and real estate loans with loan authority of $15 million
- For those transactions outside of approval authority, either due to risk profile or loan amount, assisted junior members of the team with the structuring and underwriting analysis on loan requests to present to Loan Supervision
- Reviewed and negotiated all loan documents with customers to include Loan Agreements, Notes, Security Agreements, Guaranty Agreements, Control Agreements, etc
- Managed and mentored a team of 3 Credit Analysts/Portfolio Managers that reported to me
- Responsible for ongoing portfolio management of the relationships within my portfolio which consists of approximately 75 relationships and 150 individual customers
- Took appropriate steps to accurately reflect the risk in my portfolio (i.e upgrade or downgrade internal credit grades, move names to the Observation List and keep Loan Supervisor advised of any trends or issues)
- Closely managed and monitored my customers on the Observation List to include projecting the likelihood and size of future losses as these customers are at higher risk for payment default
- Worked with the OCC and internal Risk Asset Review during routine examinations of relationships in my portfolio
Vice President, Structured Credit Products
Wells Fargo Bank
03.2007 - 01.2008
- Coordinated underwriting, credit approval process and reporting of bank loans for inclusion in CLO warehouses
- Approved/declined individual middle market loans with loan authority up to $12.5 million depending on the size of the warehouse facility
- Developed the scope of and led on-site field audits, including meetings with senior management to assess client underwriting quality, testing collateral and reviewing various borrowing base and other data reports
- Monitored the loan portfolio on a daily basis to include tracking loan prices on LoanX, reviewing public information on all loans via Bloomberg and initiating discussions on problem loans with asset managers
- Prepared buy/sell/hold recommendations on existing loans as well as potential secondary trade opportunities
- Trained and mentored junior members of the team as well as GenPact analysts in India
Vice President/Associate, Industrial Manufacturing Private Portfolio Management
Wells Fargo Bank
07.2002 - 03.2007
- Underwrote Wachovia-led transactions and loan participations in syndicated credit facilities for both new and existing clients and made recommendations to risk management
- Monitored the ongoing financial performance, market metrics and credit quality of existing clients in my portfolio and initiated credit upgrades/downgrades based on my analysis
- Assigned to each of the 13 Agency accounts within my industry group and acted as the face of Wachovia on the credit side
- Led calls and meetings on Agency accounts and assisted with credit requests to include structuring waivers, amendments and new transactions
- Acted as the liaison to other participant banks in Wachovia-led transactions and provided assistance on any questions on new transactions, amendments or waivers
- Approved credit exposure related to interest rate swaps, foreign exchange transactions and cash management products
- Assisted in the review of legal documentation on bank loans and foreign exchange transactions
Syndications Officer, Loan Sales & Syndication
KeyBank
08.2000 - 07.2002
- Prepared and presented pitchbooks and market updates to potential clients in an effort to win the Agent title on syndicated bank loans
- Researched the loan market and did comparable transaction analyses in an effort to create a deal that would clear the syndicated loan market
- Underwrote potential syndicated deals and presented findings to credit committee
- Prepared information memorandums to market underwritten and arranged syndicated bank loans to a variety of banks and finance companies
- Contacted financial institutions to invite them to participate in KeyBank-agented deals and acted as the source of information for potential investors
- Arranged bank meetings and prepared management presentations to the bank group syndicate
- Successfully negotiated and sold over $5 billion of KeyBank loans to other financial institutions
- Assisted in the negotiation of legal documentation on syndicated bank loans
Management Associate Program
KeyBank
06.1999 - 08.2000
- A 14-month training program that consisted of 2 months of formal classroom credit training, and three separate 4-month rotations through various lines of business at KeyBank
- I spent time as a Portfolio Manager in Wealth Management, as an Associate in M&A Investment Banking, and as an Associate/Underwriter in Structured Finance, the cash flow lending group of KeyBank
Education
MASTER OF BUSINESS ADMINISTRATION - Investments, Corporate Finance, Risk Management & Insurance
University of Georgia, Terry College of Business
01.1999
BACHELOR OF SCIENCE - Finance, International Business
Appalachian State University
01.1995
Skills
- Loan origination
- Underwriting Analysis
- Portfolio Management
- Risk Mitigation
- Credit Approval
- Strategic leadership
- Mentoring/Development
Timeline
Senior Vice President/Credit Officer II
Fifth Third Bank
11.2019 - Current
Senior Vice President/Loan Team Manager – Triangle/Eastern NC Commercial Banking
Wells Fargo Bank/Wachovia Bank
06.2008 - 10.2019
Vice President, Structured Credit Products
Wells Fargo Bank
03.2007 - 01.2008
Vice President/Associate, Industrial Manufacturing Private Portfolio Management
Wells Fargo Bank
07.2002 - 03.2007
Syndications Officer, Loan Sales & Syndication
KeyBank
08.2000 - 07.2002
Management Associate Program
KeyBank
06.1999 - 08.2000
BACHELOR OF SCIENCE - Finance, International Business
Appalachian State University
MASTER OF BUSINESS ADMINISTRATION - Investments, Corporate Finance, Risk Management & Insurance
University of Georgia, Terry College of Business
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