Dawn M. Williams

Credit professional with extensive experience in credit portfolio management and risk assessment. Known for fostering team collaboration and consistently achieving impactful results. Dedicated to providing objective, professional and comprehensive advice to each client to enable them to achieve their financial objectives. Adept at financial analysis and policy implementation, ensuring seamless adaptability to changing needs. Strong partnership, organizational, and communication skills. Leadership experience developed through direct personnel management/hiring and special projects for organizational change. Focused on continuously evolving and improving to meet the dynamic needs of changing organizational priorities and market needs.

• 2021 BBVA Integration Regional Credit Products Communication Workstream Leader
• 2015, 2016, 2017, 2018, 2019 and 2020 recipient of PNC Market All Star Award for Eastern Carolinas Market
• 2015-member of Grow Up Great Team to raise $6,000 grant for Wake County Public Libraries
• 2012-2014- Various PNC “Spotlight” Awards for performance & teamwork
• 2013- Finalist for PNC’s Chairman’s Referral Campaign
• 2012- PNC “UNITE” Award for RBC Integration
• 2011-Leader of Grow Up Great Team to raise $3,000 grant for pre-school in downtown Louisville, KY
• 2006-Completion of Leadership Development Program
• 2001- GE Capital Six Sigma Green Belt certification

• PNC Bank, SVP, Market Credit Executive, 09/22, Present, Raleigh, NC, Credit Risk Management approver up to $100 million for PNC's North and South Carolina markets with responsibility for $9B loan portfolio consisting of credit facilities to clients across Commercial, Middle Market and Corporate Finance segments and co-approver for payment processing firms nationwide., Responsible for credit approval process, policy and procedural compliance, portfolio risk management, credit administration monitoring and reporting., Analyze and challenge credit structure, underwriting, risk rating and credit policy compliance., Lead strategic discussions in committees and maintained expert knowledge on economic and regulatory trends impacting borrowers., Ensures effective credit monitoring by the team leveraging relevant reporting and assessing trends to identify risk incidences, requests ad-hoc analytics and analyzes output to informed decisions both on asset specific and portfolio wide basis.
• PNC Bank, SVP, Credit Products Specialist, Expert and Senior Manager, 11/15, 09/22, Raleigh, NC, Led a team of eight underwriting professionals and associates which comprise various analytical, underwriting and documentation functions necessary to execute the loan approval, documentation and closing process for commercial, middle market and large corporate clients in the North and South Carolina markets., Partners effectively with the sales team to help identify and drive revenue through credit products and collaborates with other bank product partners to assess credit needs generate ideas and deliver integrated solutions., Led internal strategy and diligence sessions to assess viable solutions for a wide range of borrowing needs including working capital, capital expansion, acquisitions, leveraged buyouts, dividend recaps for both public and private firms for both direct and syndicated credit facilities., Drives the internal credit process including the structuring, due diligence, committee presentations, underwriting, loan documentation/negotiation and closing., Directly responsible for managing a portfolio of borrowers and all portfolio management activities, including direct and on-going communication with the clients., Instrumental in training, mentoring, and developing junior Relationship Managers, Underwriters, Associates, and Interns., Led the Regional Credit Products Communication Workstream for the acquisition of BBVA., Spearheaded projects to train and develop new underwriting analysts, refining policies, and templates for improved efficiency.
• PNC Bank, SVP, Underwriting Manager, 08/11, 11/15, Raleigh, NC, Louisville, KY, Led teams of underwriters and analysts in our KY, NC and FL markets to ensure underwriting memorandums are complete, accurate and comply with our risk management parameters, underwriting and credit approval policies., Managed the underwriting process and ongoing monitoring of a $3.8B loan portfolio of relationships in diverse industries, including manufacturers, distributors, restaurant franchises, software, contractors, medical practices, and clinical research organizations., Performed detailed analysis on cash flow, sources of repayment, collateral, and guarantors to ensure all required underwriting due diligence and policy compliance is completed accurately., Selected to participate in numerous cross-functional organizational initiatives focused on bank acquisition integrations, improving the efficiency of the credit and underwriting process as well as compliance with ongoing changes to leveraged lending regulations.
• PNC Bank, SVP, Credit Manager, 08/09, 08/11, Cleveland, OH, Louisville, KY, Responsible for approving credit facilities for clients and prospective client loan requests and modifications, with up to $25 million in lending authority., Managed a team of seasoned credit officers and underwriters to ensure credit offerings provided detailed analysis on cash flow, sources of repayment, projections, collateral and guarantors in order to properly evaluate and mitigate risks appropriate for the transaction., Participated in quarterly watch list meetings as a committee member to validate the risk ratings of relationships in other loan portfolios.
• PNC Bank (formerly National City Business Credit), SVP, Deputy Chief Credit Officer for Business Credit, 04/07, 08/09, Cleveland, OH, Adjudicated incremental credit requests and annual review of borrowers for pass rated borrowers up to $35MM in exposure within the $7 billion loan portfolio., Primary point of contact for loan review and internal audit to complete quarterly examinations., Assisted Chief Credit Officer in preparation of monthly, quarterly and annual financial results with regards to loan commitments, outstanding assets subject to comment, and reserves for loan losses, charge-offs, etc. to present actual compared to plan., Engaged in several compliance projects to ensure the integrity of data such as risk ratings, loss given default ratings, highly leveraged transaction indicators, and lease exposure is consistent across multiple system platforms., Appointed to lead the restructuring initiative for the Operations area the business unit to generate process efficiencies and standard operating procedures.
• PNC Bank (formerly National City Bank), VP, Regional Manager of Collateral Administration, 07/05, 04/07, Cleveland, OH, Developed and maintained a $2.5 Million annual budget and forecast for the department which was charged with monitoring collateral supporting revolving credit facilities for a $5.6 Billion loan portfolio., Managed a team which consisted of two regional managers and eleven professionals to be proficient at analyzing collateral pledged in order to proactively articulate the bank’s potential loss in the event of default or liquidation of the borrower’s assets., Completed the Leadership Development Program by successfully proposing a plan to improve the effectiveness of to gain process efficiencies, as well as the recruitment of new talent to provide consistent communication and service level commitments.
• PNC Bank (formerly National City Bank), AVP, Corporate Banking Relationship & Portfolio Manager, 08/03, 07/05, Cleveland, OH, Engaged in prospecting initiatives including: attending market networking events, telephone and in person cold calling, preparing letters and loan proposals, identifying proper leads from databases and leveraging other financial intermediaries to establish introductions with potential new customers., Managed, reviewed and adjudicated incremental credit requests for a $100 million portfolio comprised of commercial market borrower relationships via $2.5 million in credit lending authority and presented larger credit requests to formal credit committees., Represented the bank by meeting with clients to discuss financial performance, incremental financing needs and negotiating terms and conditions of the proposed credit facilities., Ensured all credits in the portfolio adhered to portfolio administration compliance standards by reviewing borrower covenant calculations, borrowing base availability formulas, completion of timely annual credit review, and monitoring activity of commercial deposit accounts.
• PNC Bank (formerly National City Bank), Bank Officer, Capital Markets Analyst, 08/02, 08/03, Cleveland, OH, Supported Capital Markets Credit Team with preparation of the Monthly Loan Loss Provision Forecast by researching and coordinating with secondary market trading desk to recommend charge-off allocations and downgrade to non-performing asset status when appropriate for Structured Finance and Equity Sponsor Loan portfolio., Performed Industry research for select transactions in order to provide feedback, guidance and recommendations to the Capital Markets Credit Officer to assist in credit decision process.
• PNC Bank (formerly National City Bank), Bank Officer, Business Credit Underwriter, 06/01, 08/02, Cleveland, OH, Performed thorough analysis for existing and prospective borrowers, including thorough review of financial statements, projections, appraisals, field exams, and presented to credit committee for approval., Reviewed and recommended appropriate structural controls to be included in the borrower’s credit agreements to provide appropriate risk mitigation strategies on behalf of the bank.
• General Electric Capital Commercial Finance, Inc., Investment Analyst, 06/00, 06/01, Chicago, IL, Performed field exam audit functions and due diligence for asset-based and cash flow borrowers., Conducted exit interviews with CFO or appropriate representative to discuss significant field exam findings in a tactful manner., Responsible for completing two audit reports and reviewing work of peers each month.