Jason Heath
Walpole,MA
Summary
Experienced credit professional with diverse background in underwriting, reporting, and mentoring.
Overview
11
11
years of professional experience
Work History
Commercial Portfolio Manager III
Rockland Trust
06.2022 - Current
- Manages a ~$400 million C&I focused portfolio with responsibility for loan structure, covenant compliance, and adherence to Bank policy.
- Underwrites and reviews loans up to the Bank's legal lending limit, with underwriting approval up to $6 million in total exposure.
- Participates in the presentation of loans with relationships exceeding $6 million in total exposure at loan committee.
Credit Risk Officer (AVP)
Bluestone Bank
01.2021 - 06.2022
- Produce quarterly stress testing, key performance indicators, and portfolio trends for Credit Committee
- Underwrite complex participation, commercial real estate, commercial and industrial, construction, SBA, and leveraged lending loan requests
- Act as a mentor to younger analysts, and as a liaison to commercial lending department to triage loans, loan structures, and timelines.
Senior Commercial Credit Analyst
Bluestone Bank
01.2017 - 01.2021
- Underwrite participation, commercial real estate, commercial and industrial, construction, and SBA loan requests.
- Conduct reviews of and approve fee simple and leased fee appraisals, Phase I environmental reports and flood reports .
- Produce and analyze financial spreads for commercial real estate, commercial and industrial and construction relationships according to bank guidelines.
Business Information Analyst
Citizen’s Bank
01.2016 - 01.2017
- Responsible for all financial statement spreading in commercial lending, including financial statements from management prepared to publicly traded companies
- Identified and prepared spreadsheets utilizing financial projections, covenant compliance reporting and building user-defined ratios.
Team Lead Corporate Funding/Capital Markets
Citizen’s Bank
01.2013 - 01.2016
- Accurately processed and serviced a syndicated loan portfolio
- Trained new employees using current procedures
- Identified complex problems and proactively implemented corrective procedure.
Education
Bachelor of Science - Business Administration
University of Massachusetts Lowell
Lowell, MACommercial Credit Training Program -
Citizens Bank
01.2015
Skills
- Loan structuring
- Operational Efficiency
- Relationship Management
- Collateral Valuation
- Portfolio Management
- Cash Flow Forecasting
- Risk Mitigation
Timeline
Commercial Portfolio Manager III
Rockland Trust
06.2022 - Current
Credit Risk Officer (AVP)
Bluestone Bank
01.2021 - 06.2022
Senior Commercial Credit Analyst
Bluestone Bank
01.2017 - 01.2021
Business Information Analyst
Citizen’s Bank
01.2016 - 01.2017
Team Lead Corporate Funding/Capital Markets
Citizen’s Bank
01.2013 - 01.2016
Bachelor of Science - Business Administration
University of Massachusetts Lowell
Commercial Credit Training Program -
Citizens Bank
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