David Cohen
Glen Rock,NJ
Summary
Forward-thinking Credit Analyst with customer correspondence and credit analysis expertise. Offering more than 20 years of resolving credit disputes and making recommendations on bad debt accounts.
Experienced with credit risk assessment and mitigation. Utilizes data-driven methods to develop robust risk models and financial analyses. Track record of effective regulatory compliance and strategic risk management.
Experienced with portfolio analysis, combining analytical skills with strategic thinking. Utilizes financial modeling and risk assessment to optimize investment performance. Track record of collaborating with teams to drive results and adapt to market changes.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Portfolio Analyst
Greater Commercial Lending
Remote
07.2023 - Current
- Implemented effective risk management practices to minimize potential losses while maximizing returns.
- Developed comprehensive credit risk reports to provide insights into key performance indicators and trends.
- Collaborated with cross-functional teams for effective management of high-risk accounts, minimizing losses.
- Facilitated clear communication between clients, lenders, attorneys, and other stakeholders involved in asset recovery processes.
- Conducted regular portfolio reviews to monitor performance trends and proactively address potential issues before they escalated into larger problems.
- Collaborated closely with legal counsel to expedite foreclosure and repossession processes, ensuring timely resolution of non-performing assets.
- Evaluated borrowers'' financial health to determine appropriate action plans for loan workouts, maximizing the likelihood of successful outcomes.
- Developed and conducted comprehensive financial analyses to identify potential high-risk lending situations, contributing to overall portfolio stability.
- Managed complex portfolios of troubled loans, employing strategic problem-solving skills to achieve successful resolutions.
- Identified opportunities for debt restructuring or refinancing based on detailed financial analysis, often leading to improved cash flow management for borrowers facing challenges.
- Mentored junior analysts, fostering a culture of continuous learning and professional development within the team.
Business Banker
M&T Bank
Paramus, NJ
08.2022 - 05.2023
- Provided expert guidance on business financing options, helping clients secure necessary capital for growth.
- Coordinated with various departments to ensure seamless delivery of banking services across all channels.
- Led training sessions for junior bankers, fostering a culture of continuous learning and professional development.
- Developed customized lending solutions to meet the unique needs of small businesses and entrepreneurs.
- Conducted comprehensive financial analyses to identify opportunities for business expansion and risk mitigation.
- Maximized revenue generation through careful assessment of loan applications and diligent follow-up on delinquent accounts.
- Proactively identified potential risks within client portfolios, implementing strategic measures to minimize losses.
- Collaborated with cross-functional teams to develop new business strategies, increasing overall growth.
- Met with existing clients and prospects through personal calling efforts and other contacts to discuss business needs.
Senior Portfolio Manager
Community Bank of Santa Maria
Santa Maria, CA
08.2021 - 07.2022
- Stayed current with industry developments through regular attendance at conferences, seminars, webinars, and other educational events.
- Collaborated with team members to develop customized credit solutions tailored to individual client needs and objectives.
- Mentored junior analysts on industry best practices, credit concepts, and the importance of maintaining a disciplined approach to portfolio management.
- Established valuable relationships within the financial community through networking efforts at industry events.
- Strengthened cross-functional collaboration by working closely with sales, operations, and compliance teams to achieve common goals.
- Conducted comprehensive credit assessments for complex loan applications, ensuring sound decision-making and adherence to regulations.
- Regularly reviewed existing credit models for accuracy, reliability, and relevance in changing market conditions.
- Developed comprehensive credit risk reports to provide insights into key performance indicators and trends.
- Conducted regular portfolio reviews to monitor performance trends and proactively address potential issues before they escalated into larger problems.
- Evaluated borrowers'' financial health to determine appropriate action plans for loan workouts, maximizing the likelihood of successful outcomes.
Senior Business Banker
Bank of America, NA
Monterey, CA
10.2019 - 07.2021
- Fostered a positive work environment by actively participating in team meetings and sharing ideas for process improvements.
- Maintained comprehensive knowledge of banking products and services, ensuring accurate and informed recommendations for clients.
- Assisted in the development of marketing materials to attract new clients, effectively expanding the bank''s market share.
- Facilitated communication between clients and bank personnel, resolving issues quickly while maintaining client trust.
- Worked with borrowing clients to procure updated financial information on ongoing basis.
- Managed a diverse portfolio of clients, ensuring their financial needs were met and exceeded.
Senior Relationship Manager
1st Capital Bank
Monterey, CA
02.2018 - 10.2019
- Established strong referral networks with internal partners such as commercial banking, private banking, and wealth management teams to identify potential new clients.
- Streamlined processes for increased efficiency within the team, resulting in improved response times to client inquiries and requests.
- Ensured compliance with all relevant regulations by adhering to established policies and procedures in all aspects of the role.
- Enhanced team performance by mentoring junior relationship managers on best practices in client service, sales techniques, and product knowledge.
- Increased portfolio growth by effectively identifying new business opportunities through market research and networking.
- Developed new banking relationships with business prospects.
- Worked with branch partners to maximize sales efforts to business customers and cross-sell other products and services.
- Actively participated in industry events and conferences to maintain a visible presence within the community, promoting the bank''s reputation as a trusted financial partner.
Senior Relationship Manager
JPMorgan Chase
Monterey, CA
10.2015 - 02.2018
- Demonstrated adaptability in responding to changes in client needs or market conditions, adjusting strategies as needed for continued success.
- Consistently exceeded revenue targets through proactive account management and cross-selling of bank products and services.
- Worked closely with credit analysts to ensure timely and accurate processing of loan applications, maintaining client satisfaction throughout the process.
- Developed customized financial strategies for clients by thoroughly analyzing their current situations, goals, and risk tolerance levels.
- Requested customer feedback to drive client satisfaction and retention while quickly remedying issues.
- Strengthened client relationships by consistently providing exceptional service and financial solutions tailored to their needs.
- Managed a diverse portfolio of business clients, ensuring satisfaction and retention through personalized attention and strategic planning.
Commercial Banking Relationship Manager
PNC Bank
Woodland Park, NJ
12.2013 - 06.2015
- Retained and strengthened current relationships and developed new business through various channels such as cross-sell and referrals.
- Negotiated favorable loan terms for clients, leading to increased loan approvals and repeat business.
- Identified new business opportunities through proactive market research and networking efforts.
- Collaborated with internal teams to streamline lending processes, resulting in improved customer satisfaction.
- Optimized portfolio performance by closely monitoring loans status and initiating necessary interventions when needed.
- Managed risk effectively by adhering to strict underwriting guidelines when evaluating potential borrowers'' creditworthiness.
- Analyzed complex financial statements, assessing creditworthiness for potential borrowers effectively.
Senior Relationship Manager
Wells Fargo
Monterey, CA & Paramus, NJ
12.2007 - 11.2013
- Provided timely updates on significant market events or economic news that could impact clients'' portfolios or financial strategies.
- Negotiated favorable terms for clients by leveraging strong relationships with product providers and underwriters.
- Collaborated with internal teams to deliver comprehensive wealth management services, maximizing client satisfaction and loyalty.
- Participated in regular training sessions to continually improve skills related to client service, product offerings, sales techniques, and industry knowledge.
Education
Bachelor of Science - Management
Keene State College
Keene, NHSkills
- Risk management evaluation
- Client retention initiatives
- Cash flow analysis and planning
- Financial credit assessment
- Detailed cash flow assessment
- Risk management
- Valuation techniques
- Portfolio management
- Due diligence
- Quantitative analysis
- Data analytics
- Risk rating reports
- Risk analysis reporting
- Loan structuring
- Financial statement review
Certification
Omega Credit & Underwriting Certification
USDA & SBA Lending Certification
Certified Ag Lending Specialist
Timeline
Portfolio Analyst
Greater Commercial Lending
07.2023 - Current
Business Banker
M&T Bank
08.2022 - 05.2023
Senior Portfolio Manager
Community Bank of Santa Maria
08.2021 - 07.2022
Senior Business Banker
Bank of America, NA
10.2019 - 07.2021
Senior Relationship Manager
1st Capital Bank
02.2018 - 10.2019
Senior Relationship Manager
JPMorgan Chase
10.2015 - 02.2018
Commercial Banking Relationship Manager
PNC Bank
12.2013 - 06.2015
Senior Relationship Manager
Wells Fargo
12.2007 - 11.2013
Bachelor of Science - Management
Keene State College