Darnell Parkinson
Middletown
Summary
Experienced banking and finance professional with an in-depth knowledge of commercial real estate. Exceptional analytical skills, strong client relationship management, and excels in organizational tasks. Recognized for adaptability and reliability in dynamic environments. Committed to upholding bank standards and seeking out new challenges.
Overview
6
6
years of professional experience
Work History
CRE Portfolio Manager
Blue Foundry Bank
04.2023 - Current
- Hands-on financial analysis, structuring, and portfolio management focused on CRE and C&I. Execute well structured annual reviews, including risk rating recommendations for existing loans, tracking covenants, loan extensions, and modifications to existing loans.
- Stay abreast of market conditions affecting the commercial real estate market and local market information affecting C&I customers.
- Assist junior portfolio managers on the team with the portfolio management process. Partner with the commercial team to address exceptions identified by internal/external auditors.
- Maintain a good rapport with borrowers to ensure timeliness of financials and other documents. Organize and maintain a perpetually growing database of deals.
- Discuss new loan transactions with the commercial team and Senior Management, when appropriate. Ensure compliance with all regulations, policies, and procedures.
Credit Analyst
Lakeland Bank
08.2022 - 04.2023
- Underwrote new CRE and C&I loan requests incorporating analysis of borrower-provided financials to determine eligibility. Reviewed all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, credit risks, mitigants, industry research and peer data.
- Maintained current understanding of lending requirements and documentation guidelines. Discussed any potential underwriting exceptions and reviewed with the commerical team leader.
- Performed collateral site visits to complete thorough evaluations.
- Collected and analyzed relevant market data to assist in underwriting. Prepared cash flow, covenant sensitivity calculations, financial models, and guarantor statement analysis as appropriate.
Portfolio Manager
Orange Bank & Trust Company
06.2021 - 07.2022
- Prepared cash flow projections, debt analysis and annual reports. Offered opinions concerning credit-worthiness and addressed questions during committee presentations.
- Managed loan renewals and pending loan maturities to eliminate last minute extensions.
- Analyzed applicants' financial status and property evaluations to determine loan feasibility. Assessed exposure and addressed credit weaknesses/deficiencies.
- Partnered proactively with RMs and was intimately involved throughout the deal process. Attended calls with RMs to gain a thorough understanding of the client/prospect and their business to effectively analyze and underwrite the proposed transaction.
- Established appropriate inputs and ticklers in Sage Works for all individual origination activity.
Universal Branch Associate
Hudson Valley Credit Union
08.2019 - 02.2021
- Assisted customers with setting up or closing accounts and handled complex transactions, demonstrating expertise in various financial instruments such as, personal loans, auto loans, money market, certificates of deposit accounts, and credit cards.
- Developed strong product knowledge to provide informed recommendations based on individual customer needs.
- Supported branch operations, ensuring compliance with all federal and state regulations as well as bank policies.
- Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
Financial Services Intern
Cetera Financial Group
06.2020 - 08.2020
- Researched and evaluated potential investment products and solutions for clients.
- Attended weekly intern classes/conference calls covering financial concepts and participated in cross-functional team-building activities.
- Expanded knowledge of diverse investment products by conducting research on stocks, mutual funds, annuities, and insurance policies.
Education
Bachelor of Science - Business Administration
SUNY College
2020
Associate of Science - Business Administration
Dutchess Community College
2017
Skills
- Abrigo (Sageworks)
- Baker Hill
- Fiserv
- MS Excel
- MS Word
- Analytical
- Self-sufficient
- Adaptable to Changing Conditions
Timeline
CRE Portfolio Manager
Blue Foundry Bank
04.2023 - Current
Credit Analyst
Lakeland Bank
08.2022 - 04.2023
Portfolio Manager
Orange Bank & Trust Company
06.2021 - 07.2022
Financial Services Intern
Cetera Financial Group
06.2020 - 08.2020
Universal Branch Associate
Hudson Valley Credit Union
08.2019 - 02.2021
Associate of Science - Business Administration
Dutchess Community College
Bachelor of Science - Business Administration
SUNY College
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