ERIC MALY
Traverse City,MI
Summary
Experienced and results-driven Business Banker with over 10 years of expertise in financial services, specializing in commercial lending, relationship management, and strategic business development. Adept at analyzing financial statements, assessing creditworthiness, and structuring customized financial solutions to meet the diverse needs of small and medium-sized enterprises (SMEs).
Proven track record of fostering strong client relationships, driving revenue growth, and delivering exceptional customer service. Highly skilled in portfolio management and committed to maintaining the highest standards of integrity and professionalism while providing value-added financial advisory services to clients.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Senior Loan Officer
Michigan Certified Development Corporation
11.2022 - Current
- Cultivated referral network with lenders, accountants, attorneys, real estate agents, builders, and other professionals to generate new business leads.
- Delivered in-depth presentations to clients outlining the benefits and requirements of SBA loan programs, promoting their understanding and interest in available financing opportunities.
- Demonstrated excellent problem-solving skills while resolving client concerns or issues during the loan application process, ensuring smooth transactions from initiation to completion.
- Coordinate document collection, underwriting and SBA submission of 504 loan requests.
- Successfully managed a diverse pipeline of SBA loans, prioritizing tasks effectively to meet deadlines and maintain high levels of client satisfaction.
Vice President | Business Banking
Huntington Bank
01.2022 - 11.2022
- Cultivated strong relationships with key stakeholders, including customers, vendors, and community leaders to promote collaboration and long-term success.
- Managed $70mm loan portfolio for retention, growth and covenant compliance.
- Developed lending, treasury management and deposit business.
- Embraced growth and excellence-oriented atmosphere to support bank-wide initiatives.
- Analyzed and underwrote requests for new loans and loan renewals.
- Explained very technical financial information to applicants in easy to understand language.
- Compiled closing packages and conducted loan closings.
- Opened and coordinated funding of new deposit and investment accounts.
Contractor & Director of Business Advising
Intrust CPA
03.2021 - 01.2022
- Spearheaded change management and strategic turnaround for practice during significant restructuring.
- Refined organizational structure to consolidate, streamline and delineate necessary functions.
- Eliminated downtime and maximized revenue by providing top project quality control
- Developed and implemented effective client accounting systems.
- Evaluated and improved accuracy and completeness of client financial records.
- Prepared monthly journal entries and reconciliations.
- Prepared accounts for industry audits and supported audit process.
Practice Administrator & CCO
WEST FRONT PRIMARY CARE
11.2012 - 03.2021
- Communicated with doctors, nurses, patients and other employees to identify and resolve healthcare needs.
- Coached and guided senior managers to improve effectiveness and policy enforcement, resulting in improved employee job satisfaction and higher performance levels.
- Cultivated forward-thinking, inclusive and performance-oriented business culture to lead industry in innovation and push progress.
- Prepared organization for forecasted demand levels through effective operational planning.
- Developed key operational initiatives to drive and maintain substantial business growth.
- Met dynamic needs by keeping internal systems scalable and highly responsive.
- Oversaw large-scale staff recruitment and development initiatives to keep workforce skilled and effective.
- Managed partnerships and strategic business relationships by negotiating contract terms and handling conflicts.
President/CEO
WEST MICHIGAN REGIONAL CANCER & BLOOD CENTER
02.2008 - 04.2012
- Led diverse team of medical and administrative professionals in day-to-day clinic activities such as patient care, new business development and patient relations.
- Monitored use of best practices at all levels and implemented corrective actions to bring employees into compliance.
- Devised new promotional approaches to boost patient numbers and market penetration while enhancing engagement and driving growth.
- Maintained community, hospital and referring partner relationships.
- Synthesized financial and budgetary information to solve problems and develop alternative solutions.
- Coordinated all lending, legal, accounting and purchasing activity for practice.
Vice President
FIFTH THIRD BANK
05.2001 - 02.2008
- Recommended loan approvals and denials based on customer loan application reviews.
- Reviewed and edited loan agreements to ensure accuracy.
- Conducted UCC searches and created environmental reports as part of the loan process.
- Grew outstanding loans from $40mm to $100mm while concurrently absorbing the payoffs inherent in a commercial real estate portfolio.
- Worked with lending clients to maintain all loan covenants and reporting requirements.
Education
Master of Business Administration - Organizational Development
Lawrence Technological University
Southfield, MI2005
Bachelor of Business Administration - Finance
University of Michigan
Flint, MI1998
Skills
- Business development
- Accounting
- Finance
- Data analytics & visualization
- Budgeting and variance analysis
- Strategic planning
- Negotiations
- Loan structures, documentation and monitoring
- Organizational development
- Lean process improvement
- Project management
Certification
Corporate Finance Institute: Commercial Banking & Credit Analyst (CBCA): anticipated completion October 2024
Compliance Certification Board: Certified in Healthcare Compliance (CHC)
Healthcare Financial Management Association: Certified Specialist in Business Intelligence (CSBI)
Intuit: QuickBooks Certified Proadvisor
Asana: Asana Certified Pro
Timeline
Senior Loan Officer
Michigan Certified Development Corporation
11.2022 - Current
Vice President | Business Banking
Huntington Bank
01.2022 - 11.2022
Contractor & Director of Business Advising
Intrust CPA
03.2021 - 01.2022
Practice Administrator & CCO
WEST FRONT PRIMARY CARE
11.2012 - 03.2021
President/CEO
WEST MICHIGAN REGIONAL CANCER & BLOOD CENTER
02.2008 - 04.2012
Vice President
FIFTH THIRD BANK
05.2001 - 02.2008
Master of Business Administration - Organizational Development
Lawrence Technological University
Bachelor of Business Administration - Finance
University of Michigan
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