BRETT PIVORIUNAS
Perrysburg
Summary
Experienced commercial banker with a proven track record of over two decades in delivering comprehensive financial solutions to businesses with annual revenues up to $500MM. Demonstrated expertise in managing commercial loan portfolios and structuring intricate lending products and credit facilities.
Overview
20
20
years of professional experience
Work History
Commercial Broker
Best Bank Rate Brokerage
07.2024 - Current
- Represented clients in the buying, selling, and leasing of commercial properties, including office buildings, retail spaces, industrial properties, and multi-family units.
- Conducted market research and property analysis to provide clients with data-driven recommendations on investment opportunities, pricing, and trends.
- Negotiated contracts and agreements between buyers, sellers, and landlords, ensuring favorable terms for all parties.
- Streamlined transaction processes by implementing efficient documentation and record-keeping systems.
Commercial Banking Relationship Manager
Bank of the West
02.2020 - 06.2024
- Managed and grew a portfolio of 40+ commercial clients, consisting of businesses with annual revenues from $50mm - $500mm
- Championed a client-focused culture within the commercial banking team, fostering collaboration and continuous improvement in customer service delivery.
- Assisted clients in navigating complex financial transactions such as mergers or acquisitions, large credit facilities, and partner buyouts, while maintaining a high level of confidentiality.
- Compiled and analyzed financial statements, including balance sheets, income statements, and cash flow reports, to assess clients' creditworthiness and prepare comprehensive loan packages for submission to credit facilities.
- Monitored loan performance regularly, addressing any potential issues proactively to minimize risk exposure.
Commercial Relationship Manager
Preferred Bank
08.2017 - 01.2020
- Managed a diverse portfolio of commercial clients with annual revenues from $100mm to $1B, providing tailored financial solutions to meet the needs of businesses in various industries, including real estate, manufacturing, and professional services.
- Developed and nurtured strong relationships with key decision-makers, resulting in a 25% increase in portfolio growth year-over-year.
- Provided expert financial guidance on commercial loans, lines of credit, and treasury management services, ensuring clients received comprehensive solutions to maximize liquidity and profitability.
- Analyzed and assessed credit risk and financial health of clients, ensuring timely and accurate loan origination, underwriting, and compliance with bank policies and regulatory standards.
Commercial Banking Relationship Manager
Chase Bank
03.2014 - 07.2017
- Managed and grew a portfolio of 40+ commercial clients, consisting of businesses with annual revenues from $50mm - $500mm
- Provided expert financial guidance on commercial loans, lines of credit, and treasury management services, ensuring clients received comprehensive solutions to maximize liquidity and profitability.
- Analyzed and assessed credit risk and financial health of clients, ensuring timely and accurate loan origination, underwriting, and compliance with bank policies and regulatory standards.
- Led negotiations for complex lending agreements, including SBA loans, commercial real estate financing, and business lines of credit, driving an increase in loan origination by 30%.
- Promoted bank products and services to existing and potential clients, resulting in the successful cross-sell of deposit products, cash management services, and merchant services.
- Monitored market trends and competitor activities to identify new business opportunities and strengthen client relationships in a competitive Southern California banking landscape
Commercial Banking Relationship Manager
BBVA Compass Bank
04.2009 - 02.2014
- Managed a diverse portfolio of 40+ high-value commercial clients with annual revenues from $50mm to $500mm, providing personalized banking solutions and ensuring high levels of client satisfaction and retention.
- Led the development and execution of tailored financial strategies, including commercial loans, lines of credit, treasury management, and deposit services, to meet clients' business objectives.
- Fostered strong relationships with C-suite executives and key decision-makers, becoming a trusted advisor and a key resource for complex financial needs.
- Conducted in-depth financial analysis, assessing credit risk, cash flow, and collateral to determine optimal credit structures and underwriting for new and existing clients.
Business Banker
Wells Fargo
02.2005 - 03.2009
- Provided expert guidance on business financing options for businesses with annual revenues from $1mm to $50mm, providing financial solutions such as business loans, lines of credit, cash management, and merchant services.
- Developed customized lending solutions to meet the unique needs of small businesses and entrepreneurs.
- Developed strong relationships with business owners to understand their financial needs, helping them manage cash flow, secure financing, and grow their operations.
- Analyzed financial statements and business performance to assess credit risk and recommend appropriate banking products and services.
- Facilitated the application and approval process for business loans, ensuring all necessary documentation was compiled and submitted to underwriters.
Education
Business Administration -
John Carroll University
Skills
- Commercial Underwriting
- Advanced financial analysis
- Portfolio management
- Cash flow forecasting
- Commercial lending
- Deal negotiation
- Credit assessment
Timeline
Commercial Broker
Best Bank Rate Brokerage
07.2024 - Current
Commercial Banking Relationship Manager
Bank of the West
02.2020 - 06.2024
Commercial Relationship Manager
Preferred Bank
08.2017 - 01.2020
Commercial Banking Relationship Manager
Chase Bank
03.2014 - 07.2017
Commercial Banking Relationship Manager
BBVA Compass Bank
04.2009 - 02.2014
Business Banker
Wells Fargo
02.2005 - 03.2009
Business Administration -
John Carroll University
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