Joseph Bouchey
Sellersville,PA
Summary
Accomplished Credit Analyst and Portfolio Manager with more than nine years of commercial credit experience. Strong financial analysis, underwriting, and risk management skills. Moody Analytics credit and risk trained. Looking to bring further success to a small to mid-sized bank.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Vice President, Portfolio Manager- Healthcare Banking & Finance
Flagstar Bank
08.2023 - Current
- Complete deal screens and credit approval summaries for new loan requests as well as annual reviews for the healthcare portfolio..
- Facilitated portfolio performance review and implemented new strategies, including stress testing and board reporting.
- Improved overall financial reporting by streamlining control processes and reporting structures.
- Created portfolio dashboards to provide insights into key performance indicators.
- Utilized financial software to prepare consolidated financial statements.
Bank Officer, Commercial Portfolio Manager III- C&I Lending
Firstrust Bank
04.2022 - 08.2023
- Complete annual reviews, line renewals, and new money requests for existing bank clients
- Track covenant compliance and exception reporting as well as complete quarterly stress testing of loan portfolio.
- Mentored junior portfolio managers by providing training and oversight of daily workflow.
- Complete quarterly board reports for non-performing credits
- Established internal audit procedures to validate and improve accuracy of financial reporting.
AVP/Commercial Portfolio Manager
Prudential Bank
04.2020 - 04.2022
- Maintain and manage a commercial loan portfolio of CRE and Construction loans of approximately 625 million dollars
- Perform quarterly Stress Testing on the commercial loan portfolio and report findings to senior management and the Board of Directors
- Implement and manage the Payroll Protection Loan program for Prudential Bank as well as provide training to our credit team
- Complete underwriting for new money requests, modifications, and annual reviews.
- Manages the credit approval and funding process for all syndicated loans.
Business Banking Portfolio Manager
Berkshire Bank
10.2017 - 04.2020
- Monitor and maintain the Pennsylvania, New Jersey, Vermont, and Western Massachusetts Business Banking credit portfolios ($220 million total portfolio size).
- Manage a group 5 portfolio managers- Ranging from day-to-day oversight, training, monitoring each portfolio manager to ensure delinquencies and maturities are being handled in a timely manner, as well as managing overall workflow.
- Drive Non-Interest Income for loan portfolio through appropriate loan pricing and fee revenue generation.
- Perform Cash Flow Analysis and Loan Pre-Screens for all deals Existing loan portfolio consists of primarily CRE with some C&I relationships.
- Create and maintain strong relationships between the credit and local sales teams.
Education
B.S. Business Administration/Accounting -
Millersville University
Millersville, PA06.2024
Associate of Science -
Montgomery County Community College
Blue Bell, PA05.2007
Skills
- Financial statement analysis
- Debt Service Coverage
- Liquid Asset Testing
- Credit Scoring Models
- Oral and written communications
- Credit Reporting
- Risk Rating Systems
- Cash Flow analysis
Certification
Moody's Analytics commercial credit and risk management certification, including problem loan management.
Timeline
Vice President, Portfolio Manager- Healthcare Banking & Finance
Flagstar Bank
08.2023 - Current
Bank Officer, Commercial Portfolio Manager III- C&I Lending
Firstrust Bank
04.2022 - 08.2023
AVP/Commercial Portfolio Manager
Prudential Bank
04.2020 - 04.2022
Business Banking Portfolio Manager
Berkshire Bank
10.2017 - 04.2020
B.S. Business Administration/Accounting -
Millersville University
Associate of Science -
Montgomery County Community College