Fernando Garip
Commercial & Middle Market Lending
Hackensack,NJ
Summary
Experienced Commercial Lending professional with a proven track record of success in providing financial services to a wide variety of commercial clients & middle market clients. I am seeking challenging opportunities with an organization that will allow me to maximize my knowledge, skill set and experience to assist with the growth and success of a dynamic organization.
Overview
10
10
years of professional experience
Work History
Vice President Commercial Relationship Manager
Spencer Savings Bank
Elmwood Park, NJ
03.2023 - Current
- Managed and developed a diverse, active portfolio of Middle Market and Commercial clients.
- Sourced and on-boarded new lending relationships through various business development activities such as networking, community involvement, leveraging a variety of center of influence contacts (attorney's, CPA's, Commercial Mortgage Brokers, Commercial Real Estate Brokers etc) and developing relationships with bank partners across bank departments.
- Analyzed borrower financials and credit status, evaluating assets and risk to determine loan feasibility.
- Stayed up to date of lending regulations, industry trends and market rates.
- Helped customers make decisions about Commercial loans based on availability, terms and benefits.
- Identified additional cross sell opportunities from existing and new clients (treasury management, merchant services, depository products etc).
- Structured complex credit requests in accordance with bank policy.
- Provided borrowers with a wide array of Commercial Lending Products such as Commercial Mortgages, Lines of Credit, Equipment Financing, Term Loans, Construction-Perm Loans, Line of Credit-Term Loans etc.
- Reviewed commercial loan agreements to verify completeness and accuracy according to applicable bank policies and covenants.
- Verified client financial information to determine creditworthiness and loan eligibility.
- Met with applicants to obtain information for loan applications and answer questions about process & loan structure.
- Evaluate historical, current and forecast data to determine opportunities for development and enhancement.
- Consult with Commercial & Middle Market clients to determine needs and propose personalized banking solutions.
- Proposed successful marketing strategy's
- Negotiate loan terms and rates with new and existing clients.
- Provide customers with first-rate "white glove" customer experience.
- Address inquiries from clients and department team members.
- Drive client satisfaction and kept lines of communication open to further business objectives through strong customer relationships.
- Cultivate long-term relationships with lucrative clients by utilizing active listening, effective communication, dynamic interpersonal skills and participate in meetings onsite and at client locations.
- Achieve client loyalty through quality, productivity, service and proactive management.
- Advise and counsel customers on financing and related matters, courteously educating clients and responding to inquires.
- Deliver positive experiences to customers at every touch point through clear communication and implementing strategies to improve customer satisfaction.
Vice President Business Relationship Manager II
ConnectOne Bank
Englewood Cliffs, NJ
11.2021 - 03.2023
- Manage and expand a diverse, active portfolio of Middle Market, Business Banking and Commercial clients.
- Enhance financial performance metrics by networking to create successful and sustainable relationships.
- Develop annual branch business plan for branch partners for maximum production and effectiveness.
- Evaluate historical, current and forecast data to determine opportunities for development and enhancement.
- Consult with Commercial & Middle Market clients to determine needs and propose personalized banking solutions.
- Guide teams to increase business portfolio and grow
- Propose and managed successful marketing promotions and business plans.
- Structure complex client lending requests
- Negotiate loan terms and rates with new and existing clients.
- Provide customers with first-rate experience and developed long-lasting relationships.
- Propose solutions and leveraged cross-selling opportunities to existing and new clients.
- Address inquiries from clients and department team members.
- Cultivate relationships with customers by participating in meetings onsite and at client locations.
- Drive client satisfaction and kept lines of communication open to further business objectives through strong customer relationships.
- Build long-term relationships with lucrative clients by utilizing active listening, effective communication and dynamic interpersonal skills.
- Generate new leads through various prospecting methods, presenting opportunities to sell services and build larger client base.
- Achieve client loyalty through quality, productivity, service and proactive management.
- Advise and counsel customers on financing and related matters, courteously educating clients and responding to inquires.
- Deliver positive experiences to customers at every touch point through clear communication and implementing strategies to improve satisfaction.
Business Banking Relationship Manager
M&T Bank
Paramus, NJ
07.2019 - 04.2021
- Business Banking Relationship Manager
- Provided business owners with the tools and financial services needed to support continuous growth and success.
- Manage and expande a diverse, active portfolio of Business clients
- Credit Training Program Completed
- Provided clients and prospects with banking services and products such as Lines of Credit, Term Loans, Commercial Real Estate Financing both investment and owner occupied, SBA 7a and 504 loans, deposit/money market accounts, Treasury Management and Merchant Services, Construction Loans, Disbursement Loans, Equipment Financing, Corporate Card/Business Credit Card Services.
- Specialized in Commercial Real Estate transactions both investment and owner occupied real estate.
- Support cluster of branches and assist in the development and expansion of each branches client portfolio.
- 2019 Top Deposits Producer in the North NJ Region.
Commercial Real Estate Agent
NAI James E. Hanson
Teterboro, NJ
03.2014 - 07.2019
- Provided a wide array of commercial real estate transactions in tenant representation/landlord representation, sales/leasing, investment real estate, 1031 exchanges
- Facilitated closing process on behalf of clients and reviewed parts of contracts to resolve issues prior to closing.
- Promoted properties via advertisements, open houses and multiple listing services.
- Evaluated mortgage options to help clients obtain financing at best rates and terms.
- Expanded new business with implementation of networking and marketing strategies and generation of sales collateral.
- Marketed real estate to various types of commercial clients to strengthen revenue opportunities.
- Negotiated contracts and coordinate with lenders, attorneys and inspectors.
- Counseled new buyers to enhance sales opportunities.
- Primary Leasing Agent for 700 Plaza Drive in Secaucus
- Outstanding Performance Award for the Leasing of a 325,000sf industrial property in Newark NJ
- 10,000sf office lease for in Newark NJ
- Outstanding Performance Award for the Sale of an 82,524sf Industrial Facility in Northvale NJ
- Sale of a 3,500sf mixed-use investment property in Montclair NJ
- Sale of an 8,011sf office property in Harding NJ
- 120,000sf Industrial lease in Newark NJ
- $5MM Investment Property Sale in Hackensack NJ
Education
Finance
Montclair State University
Montclair, NJ06.2014
Skills
- Credit
- Cash Flow Analysis
- Underwriting
- Networking
- Sales
- Team Work
- Creative Thinking
- Decision Making
- Leadership
- Microsoft Word, Excel, PowerPoint
- Sales
- Microsoft Office
- Loan Intelligence Gathering
- Loan Processing
- Risk Assessment and Classification
- Customer Relationship Management
- Business Networking
- Customer Interaction
- Business Strategies
- Loan Documentation
- Business Development
- Selling Skills
- Company Risk Mitigation
- Real Estate Loans
- Investment Properties
- Growth Portfolios
- Customer Relationship Management (CRM) Software
- Customer Needs Assessments
- Credit Underwriting
- Identifying Trends
Work Preference
Work Type
Full TimeWork Location
On-SiteRemoteHybridImportant To Me
Career advancementPersonal development programsCompany CultureHealthcare benefits401k matchTimeline
Vice President Commercial Relationship Manager
Spencer Savings Bank
03.2023 - Current
Vice President Business Relationship Manager II
ConnectOne Bank
11.2021 - 03.2023
Business Banking Relationship Manager
M&T Bank
07.2019 - 04.2021
Commercial Real Estate Agent
NAI James E. Hanson
03.2014 - 07.2019
Finance
Montclair State University
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