Matt Senseney
Washington
Summary
Equipment finance professional with nearly ten years of experience in financial services, specializing in credit underwriting and portfolio risk management. Demonstrated ability to deliver customized financing solutions for clients, from small businesses to large corporations. Skilled in identifying growth opportunities and building strategic partnerships, consistently surpassing volume and return targets. Experienced director with a strong background in operational oversight, business strategy execution, and financial performance management.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Director, Structuring & Underwriting
Truist Equipment Finance
10.2022 - Current
- Collaborated with clients to understand financial goals and tailor equipment financing solutions to meet their needs, ensuring high customer satisfaction.
- Conducted thorough credit underwriting and financial analysis to evaluate client creditworthiness and ensure financing proposals meet risk management standards.
- Developed and implemented strategies to mitigate potential risks while identifying opportunities for portfolio growth.
- Partnered with legal and compliance teams to structure deals that adhere to regulatory guidelines and company policies.
- Continuously monitored the performance of the loan portfolio and took proactive measures to address emerging risks.
- Achieved credit approvals resulting in several hundred million dollars of funded volume with no credit losses to date.
- Retained 80% of maturing aircraft loan assets in 2025, preserving high-value client relationships and revenue streams.
- Contributed to special projects, including the development of a bank-wide risk rating system to enhance credit risk assessment.
- Mentored junior analysts and underwriters, guiding them through onboarding and supporting their professional development.
AVP, Account Manager
National Rural Utilities Cooperative Finance Corporation (NRUCFC)
07.2021 - 10.2022
- Built and maintained strong relationships with CFOs and finance managers of electric cooperatives, providing tailored financing solutions to meet their needs.
- Served as the primary point of contact and trusted advisor for clients, ensuring exceptional service and support.
- Developed and executed strategies to exceed loan volume targets, demonstrating deep understanding of the electric cooperative industry.
- Collaborated with cross-functional teams (Treasury, Rate Research) to deliver comprehensive solutions for clients.
- Performed in-depth financial and credit risk analysis to evaluate potential borrowers’ creditworthiness.
- Stayed informed on market trends, industry regulations, and emerging opportunities in the electric cooperative sector.
Equipment Finance Credit Underwriter
BB&T & Truist
12.2015 - 06.2021
- Collaborated with account executives and senior risk officers to gather information and assess equipment financing requests, proactively addressing potential issues.
- Prepared and presented clear credit proposals to senior management, highlighting financial analysis, risk assessment, and business merits to secure approvals.
- Worked closely with documentation and legal teams to draft and review loan agreements, ensuring compliance with all regulations and company policies.
- Negotiated loan terms with clients and their legal counsel, demonstrating flexibility and diplomacy while protecting the bank’s interests.
Leadership Development Program Associate
BB&T
07.2015 - 12.2015
- Completed BB&T’s intensive Leadership Development Program with rigorous training in financial analysis, credit underwriting, and bank operations.
- Rotated through multiple departments to gain broad experience in client service and diverse financial products.
Education
Bachelor of Science - Finance
Virginia Tech
Blacksburg, VA05-2015
Skills
- Credit underwriting
- Risk management
- Equipment financing and leasing
- Financial analysis
- Financial structuring
- Relationship management
- Negotiation skills
- Presentation delivery
Certification
- Chartered Financial Analyst (CFA) Charterholder
- Certified Lease & Finance Professional (CLFP)
Timeline
Director, Structuring & Underwriting
Truist Equipment Finance
10.2022 - Current
AVP, Account Manager
National Rural Utilities Cooperative Finance Corporation (NRUCFC)
07.2021 - 10.2022
Equipment Finance Credit Underwriter
BB&T & Truist
12.2015 - 06.2021
Leadership Development Program Associate
BB&T
07.2015 - 12.2015
Bachelor of Science - Finance
Virginia Tech
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