Matthew Kuhn
Berea,OH
Summary
Seeking a challenging position to leverage experiences and push boundaries of capabilities. Eager to contribute skills and expertise to a dynamic team, making a meaningful impact and driving success. Strong track record of goal achievement and passion for continuous learning. Ready to excel in a role that aligns with professional aspirations.
Overview
23
23
years of professional experience
2
2
years of post-secondary education
Work History
Business Banking - Portfolio Manager - Assistance Vice President
U.S. Bank
01.2020 - Current
- Preflight and cash flow all new money requests
- Obtain required financials for annual reviews or renewals
- Manger the entire renewal process with existing clients
- Identified new money opportunities for RM's including equipment finance, DDA/ money market accounts, credit card and merchant services
- Attend in person meetings with current or potential clients
- Acted as a PM for 2 markets for an extended period of time
- Present weekly on team call on a variety of topics
- Partner with all team members to bring a team approach to customer
- Completed Integrity Sales Training
- Completing US Bank Advanced Credit Training
- Took over Relationship Manager role while filling opening or during PPP
- Successfully sourced and close new money deals as RM
Middle Market - Credit Associate - Assistance Vice President
Key Bank
07.2016 - 01.2020
- Selected as a mentor for the new Analyst class
- Normalized the portfolio of a recently acquired bank
- Conduct renewals and or reviews on credits between $2.5MM and $50MM
- Underwrite new money requests for C&I, non-profit and medical practices
- Build cash flow analysis to produce a debt service coverage or fixed charge coverage in accordance with Key Bank credit policy
- Review borrowing bases
- Test covenants as required by the loan agreement
Metro Custom Underwriting - Credit Analyst
U.S. Bank
02.2014 - 07.2016
- Manage and maintain a portfolio of credits
- Conduct renewals and or reviews on credits between $2.5MM and $10MM
- Underwrite new money requests for both C&I and D&I transactions
- Build cash flow analysis to produce a debt service coverage or fixed charge coverage in accordance with US Bank credit policy
- Analyze business financial statements, personal tax returns, PFS statements, credit reports and value collateral
- Review borrowing bases
- Test covenants as required by the loan agreement
Business Banking Underwriter II - Bank Officer
National City Bank/ PNC
02.2011 - 02.2014
- Conduct renewal or review on booked credits between $250,000 - $1,000,000
- Credit Professional of The Month for July 2011
- Prepare cash flows on all deals in accordance with PNC policy and procedure
- Take appropriate action with poorly performing credits i.e
- Term out, restructure, send to workout etc
- Analyze business financial statements, personal tax returns, PFS statements, credit reports and value collateral
- Review credit effected by the HITS process and take the appropriate action
- Acted as a Second Approver for the less than $250M team
Business Banking Underwriter I - Bank Officer
National City Bank/ PNC
09.2009 - 02.2011
- Conduct renewal or review on booked credits less than $250,000 with combined exposure less than $1,000,000
- Effectively manage the maturing loans report, HITS report and auto renewal report monthly
- Normalize former NCB credit based on PNC guideline
- Take appropriate action with poorly performing credits i.e
- Term out, restructure, send to workout etc
- Act as second approver for other underwriters on my team
Portfolio Management Credit Analyst III
National City Bank/ PNC
11.2007 - 09.2009
- Achieved 99% and 99.2% accuracy for 1st and 2nd quarter 2009 quality reviews
- Promotion of Analyst II to Analyst III in four months
- Department top producer, completed 27% of the department tasks in 2008
- Analyze financial performance of small business clients
- Analyze performance of term loans, lines of credit, multi draw term loans of banks existing portfolio
- Conduct cash flow and spreads on all full reviews, renewals, and modifications
- Approve limited renewals, reviews, and modifications
Small Business Underwriter
National City Bank/ PNC
04.2007 - 11.2007
- Underwrote term loans, lines of credit, letters of credit, ACH, and equity lines of credit
- Reviewed credit reports and business tax returns
- Helped co-workers with work loads for optimal client service
- Met and exceeded daily production benchmarks
Regional Processing Supervisor
National City Bank/ PNC
06.2004 - 04.2007
- Supervisor of seven mortgage professionals and 4 functional positions
- Administer quality reviews for 3 functional positions
- Execute annual employee reviews as well monthly one-on-one sessions
- Recipient of 21 champion awards, 4 Excel Award Nominations, 1 Peer-to-Peer and 3 Special Recognition Certificates
- Conduct behavioral interviews with employment candidates
- Make hiring decisions
- Provide training and development plans for struggling employees
- Developed and conducted initial training classes and advanced position training and cross training
- Achieved 95% overall broker satisfaction / met team and company stretch goal
- Provide action plans for influx of business due to new product roll outs and seasonal spikes in volume
Airman 1st Class (E-3)
United States Air Force
05.2002 - 12.2002
- Military Training Leader Assistant / Firefighter
- Received three letters of appreciation from superior ranking Officers
- Awarded National Honor of Defense Ribbon for serving during time of war
- Received Basic Training Graduation Ribbon for successful completion of basic military training
- Instructed Airmen Leader candidates on proper open ranks inspection
- Conducted room inspections
Education
Associates of Specialized Science - Hotel and Restaurant Management
The Pennsylvania Institute of Culinary Arts
Pittsburgh, Pennsylvania 08.1998 - 08.2000
Skills
Analyzing real estate investment opportunities
Identify new money opportunities
Client interfacing
Presentation skills
Rate and term negotiation
Due diligence
Client relationship management
Data acquisition
Financial/ Cash flow analysis
Collateral analysis
Pricing & positioning
Timeline
Business Banking - Portfolio Manager - Assistance Vice President
U.S. Bank
01.2020 - Current
Middle Market - Credit Associate - Assistance Vice President
Key Bank
07.2016 - 01.2020
Metro Custom Underwriting - Credit Analyst
U.S. Bank
02.2014 - 07.2016
Business Banking Underwriter II - Bank Officer
National City Bank/ PNC
02.2011 - 02.2014
Business Banking Underwriter I - Bank Officer
National City Bank/ PNC
09.2009 - 02.2011
Portfolio Management Credit Analyst III
National City Bank/ PNC
11.2007 - 09.2009
Small Business Underwriter
National City Bank/ PNC
04.2007 - 11.2007
Regional Processing Supervisor
National City Bank/ PNC
06.2004 - 04.2007
Airman 1st Class (E-3)
United States Air Force
05.2002 - 12.2002
Associates of Specialized Science - Hotel and Restaurant Management
The Pennsylvania Institute of Culinary Arts
08.1998 - 08.2000
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