David Lee
Folsom,CA
Summary
Analyst with extensive experience in C&I, CRE, and Factoring credits. Experience includes 15+ years in a banking environment. Adept at developing and implementing protocols and procedures to ensure compliance.
Overview
13
13
years of professional experience
Work History
Portfolio Manager
BMO Harris Bank
Sacramento, CA
02.2022 - Current
- Managing credit needs of a designated commercial portfolio providing underwriting, credit analysis, and on-going monitoring of credit products and services to meet customer's needs and minimize credit losses to the Bank.
- Supports unit's growth and profitability through underwriting credit request and proactively monitoring portfolio.
- Structure credit solutions to meet customer/prospect credit needs.
- Identify, classify, and monitor problems or potential problem loans in compliance with the internal audit review policy.
- Monitor for reporting items and perform financial covenant calculations to ensure customer is in compliance with their loan agreement.
Loan Officer/Credit Team Leader
Small Business Administration
Citrus Heights, CA
05.2020 - 02.2022
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
- Review entity documents such as Articles of Incorporation and K-1s to determine ownership and abide by SBA rules.
- Review all pertinent facts needed to make eligibility determinations by analyzing such factors as the nature and cause of damage, intended use of proceeds, legislative and administrative loan limits, and disposition of insurance and other recoveries.
- Ensure loan files contain all pertinent documentation to include conversations with applicants and written recommendations or justifications for conclusions.
- Process loan applications on web-based computer system.
- Respond orally and/or in writing to applicants or their representatives.
- Overlook and approve recommendations by junior loan officer. In addition, guide and train them on analyzing financials.
Senior Commercial Loan Portfolio Officer
Safe Credit Union
Folsom, CA
05.2013 - 12.2019
- Monitored over 100+ loans in a Commercial and Participation portfolio for risk rating and determine the ability to repay loans and lines of credit.
- Analyzed personal and business financial statements, tax returns, co-star reports, and covenant tracking.
- Assist Commercial Loan Officers with credit analysis and credit approval packages for moderately complex commercial and SBA loans.
- Engaged bids for appraisal, environmental, and limited property condition reports.
- Performed ASC 310's calculation and Problem Loan Reports for loans that are impaired or risk-rated as sub-standard and below.
- Provide a quarterly update to the executive and board on the status of workout loans and their performance.
- Engaged and worked with legal on complicated loans that require foreclosure or uncertainty in collateral.
- Developed exit strategy/workout with borrowers that are experiencing hardship or payment is past 30+ days.
Portfolio Analyst
Resource Capital
Folsom, CA
08.2012 - 12.2012
- Provided guidance to executives in terms of establishing specific reserves for criticized and impaired loans. Made recommendations to establish guidelines for general and specific reserves.
- Prepare workout packages to submit to SBA for collection on guaranty funds.
- Communicate with the SBA workout department in Fresno, CA to ensure all necessary information has been obtained for litigation or collection.
- Assist the underwriting team when necessary with any new 504 requests.
Commercial Servicing Manager, AVP
Technology Credit Union
San Jose, CA
10.2011 - 08.2012
- Managed a portfolio of over 50 real estate credits with outstanding commitments of $90MM.
- Performed site visits to ensure subject collateral is well maintained and identified if there are any deferred maintenance.
- Prepared periodic analysis of portfolio and participated loans including terms, economic analysis and detailed narratives on the transaction.
Education
Bachelor of Arts - Finance
San Jose State University
4 1998
Skills
- Portfolio performance reporting
- Usage of N-Cino Database (Salesforce Platform)
- Developing a method to analyze specific reserves for impaired loans
- Microsoft Excel & Word
- Analyzing Tax Returns and Company Prepared Financial Statements
Timeline
Portfolio Manager
BMO Harris Bank
02.2022 - Current
Loan Officer/Credit Team Leader
Small Business Administration
05.2020 - 02.2022
Senior Commercial Loan Portfolio Officer
Safe Credit Union
05.2013 - 12.2019
Portfolio Analyst
Resource Capital
08.2012 - 12.2012
Commercial Servicing Manager, AVP
Technology Credit Union
10.2011 - 08.2012
Bachelor of Arts - Finance
San Jose State University
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