KEVIN MASARIK
Barnaget,NJ
Summary
Dynamic Loan Review Consultant with extensive experience at Wipfli, specializing in commercial loan reviews and risk management strategies. Proven track record in regulatory compliance and policy formulation, enhancing decision-making processes. Adept at stakeholder collaboration and financial analysis, driving significant improvements in loan portfolio performance and client satisfaction.
Overview
45
45
years of professional experience
Work History
Loan Review Consultant
Wipfli
01.2024 - 08.2025
- Conduct ongoing commercial and retail loan reviews for financial institutions.
- Deliver acquisition due diligence services to enhance decision-making.
- Develop and revise policy manuals tailored to client needs.
- Collaborate with stakeholders to ensure compliance and risk mitigation.
- Analyze loan portfolios to identify trends and improve processes.
Loan Review Consultant
BENNINGTON PARTNERS
01.2016 - 12.2024
- Conduct ongoing commercial and retail loan reviews for financial institution.
- Perform acquisition due diligence services.
- Develop and revise policy manuals for various financial institutions.
- Ensure compliance with regulatory requirements.
- Collaborate with stakeholders to enhance loan processes.
Vice President - C& I Credit Underwriter
Alma Bank
01.2015 - 12.2016
- Conduct commercial and industrial credit underwriting for a $1 billion bank with 14 branches.
- Analyze commercial real estate projects and assess credit risk.
- Evaluate lines of credit and term loan applications for financial viability.
- Manage SBA funding processes to support small business growth.
- Collaborate with lending teams to ensure compliance and risk management.
Loan Review Consultant
BENNINGTON PARTNERS
01.2010 - 12.2015
- Conduct ongoing commercial loan reviews for East Coast financial institutions.
- Perform acquisition due diligence services to ensure compliance.
- Develop and revise policy manuals for multiple financial institutions.
- Analyze loan documentation to mitigate risks.
- Collaborate with teams to enhance loan review processes.
Vice President/Commercial Loan Officer
ENTERPRISE NATIONAL BANK
01.2006 - 12.2009
- Spearhead commercial loan growth for De Novo bank.
- Achieve $10 million in first-year loan growth and $3 million in deposits.
- Sustain loan growth during economic downturns.
- Manage territory across Middlesex, Union, and Hudson Counties.
- Cultivate strong relationships with local businesses and stakeholders.
Vice President/Commercial Loan Officer
PROVIDENT BANK
01.2003 - 12.2006
- Directed commercial lending operations, enhancing portfolio growth.
- Cultivated client relationships, ensuring tailored financial solutions.
- Analyzed market trends, identifying opportunities for strategic investments.
- Collaborated with cross-functional teams to streamline loan processing.
- Mentored junior staff, fostering professional development and team success.
Senior Vice President/Senior Loan Officer
ALLEGIANCE COMMUNITY BANK
01.2002 - 12.2003
- Led loan origination and underwriting processes, ensuring compliance with regulatory standards.
- Managed key client relationships, enhancing customer satisfaction and retention.
- Developed strategic plans to increase market share and loan portfolio growth.
- Analyzed financial data to assess creditworthiness and mitigate risk.
- Collaborated with cross-functional teams to streamline operations and improve efficiency.
Vice President- Business Development Officer
NORCROWN BANK
01.1999 - 12.2002
- Spearhead strategic initiatives to drive business growth.
- Cultivate relationships with key stakeholders and clients.
- Analyze market trends to identify new opportunities.
- Develop and implement effective sales strategies.
- Oversee team performance to achieve set targets.
Commercial Loan Officer-Second Vice President
PENN FEDERAL SAVINGS BANK
01.1998 - 12.1999
- Managed commercial loan portfolios, ensuring strategic growth and risk mitigation.
- Conducted thorough financial analyses to assess borrower creditworthiness.
- Developed relationships with clients, offering tailored financial solutions.
- Collaborated with underwriting teams to expedite loan processing.
- Provided market insights to support lending strategies.
SBA LENDER- VICE PRESIDENT and SENIOR LOAN OFFICER
THE STATE BANK OF SOUTH ORANGE
01.1993 - 12.1998
- Originated and underwrote SBA loans, enhancing portfolio growth.
- Cultivated relationships with borrowers, increasing client satisfaction.
- Analyzed financial statements to assess creditworthiness, minimizing risk.
- Developed strategic marketing initiatives to attract new clients.
- Collaborated with internal teams to streamline loan processing procedures.
SBA LENDER-ASSISTANT VICE PRESIDENT
FARRINGTON BANK
01.1992 - 12.1992
- Solicit Small Business Administration loans.
- Assist in loan processing and underwriting.
- Evaluate borrower eligibility and creditworthiness.
- Maintain relationships with clients and stakeholders.
- Ensure compliance with SBA regulations and guidelines.
BRANCH MANAGER-ASSISTANT VICE PRESIDENT
NATIONAL WESTMINSTER BANK
Wall Township
01.1990 - 12.1991
- Company Overview: Wall Township
- Led branch operations, enhancing customer service and satisfaction.
- Managed team performance, driving productivity and engagement.
- Developed and implemented strategic initiatives to increase profitability.
- Ensured compliance with regulations and internal policies.
- Fostered community relationships to promote bank services.
- Wall Township
Branch Manager- Assistant Vice President
NATIONAL WESTMINSTER BANK
Wall Township
01.1986 - 12.1990
- Company Overview: Wall Township
- Oversaw daily branch operations, ensuring compliance and efficiency.
- Managed team performance, driving sales and customer satisfaction.
- Developed and implemented strategic initiatives for growth.
- Fostered relationships with clients to enhance retention and loyalty.
- Analyzed financial reports to identify trends and opportunities.
- Wall Township
Branch Manager- Assistant Treasurer
COMMERCIAL TRUST COMPANY
01.1984 - 12.1986
- Managed daily branch operations and streamlined processes for efficiency.
- Supervised staff, fostering a collaborative and high-performance culture.
- Developed and implemented financial strategies to enhance profitability.
- Monitored compliance with regulatory standards and internal policies.
- Assisted in customer relationship management, improving client satisfaction.
Assistant Branch Manager- Assistant Vice President
FIRST FIDELITY BANK
01.1981 - 12.1984
- Supervise daily branch operations, ensuring compliance with bank policies.
- Train and develop staff, enhancing team performance and customer service.
- Manage customer relationships, resolving issues to maintain satisfaction.
- Analyze branch performance metrics, implementing strategies for improvement.
- Assist in budgeting and financial forecasting, supporting overall branch goals.
Skills
- Commercial loan review
- Risk management strategies
- Regulatory compliance
- Policy formulation
- Stakeholder collaboration
- Financial analysis
- Portfolio oversight
- Credit underwriting
- Business growth
- Customer relationship management
References
References available upon request.
Timeline
Loan Review Consultant
Wipfli
01.2024 - 08.2025
Loan Review Consultant
BENNINGTON PARTNERS
01.2016 - 12.2024
Vice President - C& I Credit Underwriter
Alma Bank
01.2015 - 12.2016
Loan Review Consultant
BENNINGTON PARTNERS
01.2010 - 12.2015
Vice President/Commercial Loan Officer
ENTERPRISE NATIONAL BANK
01.2006 - 12.2009
Vice President/Commercial Loan Officer
PROVIDENT BANK
01.2003 - 12.2006
Senior Vice President/Senior Loan Officer
ALLEGIANCE COMMUNITY BANK
01.2002 - 12.2003
Vice President- Business Development Officer
NORCROWN BANK
01.1999 - 12.2002
Commercial Loan Officer-Second Vice President
PENN FEDERAL SAVINGS BANK
01.1998 - 12.1999
SBA LENDER- VICE PRESIDENT and SENIOR LOAN OFFICER
THE STATE BANK OF SOUTH ORANGE
01.1993 - 12.1998
SBA LENDER-ASSISTANT VICE PRESIDENT
FARRINGTON BANK
01.1992 - 12.1992
BRANCH MANAGER-ASSISTANT VICE PRESIDENT
NATIONAL WESTMINSTER BANK
01.1990 - 12.1991
Branch Manager- Assistant Vice President
NATIONAL WESTMINSTER BANK
01.1986 - 12.1990
Branch Manager- Assistant Treasurer
COMMERCIAL TRUST COMPANY
01.1984 - 12.1986
Assistant Branch Manager- Assistant Vice President
FIRST FIDELITY BANK
01.1981 - 12.1984
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