Lewis Baten

Market representative and subject matter expert for real estate transactions within commercial and business banking. Reviewed and evaluated proposed extensions of credit for commercial owner occupied and investment real estate. Permanent financing and construction. Single point of contact for construction projects. Included initial conversation with client to establish financing need and construction due diligence. Emphasis on setting expectations of the construction process. Responsible for budget management and movement of project to a timely completion. Primary guidance in pre-underwriting and evaluating risk with respect to the project feasibility as well as the strength of relationship. Managed bank’s “Strategic” position with respect to relationship and cross-sell building. Actively promote a high-quality bank image in the marketplace by participating in industry networking and targeted events.

Managed a Book of business of approximately 150 business clients and a lending portfolio of $100 million in direct business exposure. Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products. Structured business loans of up to $10 million in size for transactions which included construction loans, lines of credit, business and real estate purchases, bridge and permanent financing. Participated in community and industry networking events in order to build a string Center of Influence base.

Managed a book of business of approximately 75 clients with a portfolio of approximately $100 million in exposure, with a heavy concentration in permanent and construction real estate lending. Structured business loans of up to $15 million in size for various transactions. Built and maintained relationships with new and existing clients while providing high level of expertise.

Responsible for SBA loan origination in the New Jersey market. Arranged various transaction types including construction loans, business and real estate purchases and equipment loans. Managed all stages of customer relationship for portfolio of approximately $25 million.

Underwrote business loans under SBA 7a and 504 programs. Worked with Relationship Managers and BDO's in structuring various transaction types including construction loans, business and real estate purchase. Approval authority of $500,000. Managed a team of 3 junior credit analysts.

Asset based and Factoring division. Analyzed customer data such as financial statements to determine level of risk involved for extending credit. Worked on credits ranging from $10,000 to $1,000,000. Individual lending authority of $100,000