MATTHEW WHITELAW
CHICAGO,IL
Summary
Commercial lending professional with experience in asset-based lending, credit risk assessment, collateral analysis, and client-facing financial reviews. MBA in Finance with experience spanning field examinations, credit analysis, and loan origination. Strong interest in relationship management and structured lending.
Overview
6
6
years of professional experience
Work History
Field Examiner
PNC Business Credit
Chicago, IL
10.2022 - Current
- Conduct on-site and remote loan inspections of companies with Asset-Based Loans (ABLs) across middle-market companies, assessing collateral sufficiency, financial statements, and operational compliance.
- Prepare detailed reports highlighting examination findings, identifying credit risks, and recommending ineligibles to mitigate potential exposure.
- Collaborate with CFOs, controllers, and business owners to discuss examination results, negotiate risk mitigation strategies, and ensure adherence to borrowing base calculations.
- Prepared and presented commercial lending pre-screen analyses for prospective ABL transactions, evaluating borrower performance, collateral quality, transaction structure, and credit risk while developing recommendations for senior lending leadership.
- Evaluate and test internal controls, financial processes, and collateral monitoring to ensure compliance with both internal credit policies and external regulatory requirements.
- Completed Moody's Credit Training Program covering financial statement analysis, corporate credit evaluation, and risk assessment.
Contractor - Global Operations
Bank of America Chicago
Chicago, IL
07.2021 - 09.2022
- Mitigated financial risk by conducting due diligence on collateral agreements, ensuring compliance with risk thresholds, and escalating potential exposures to senior management.
- Analyzed large datasets to detect anomalies, regulatory breaches, and credit risks, providing timely escalations and proactive solutions to prevent financial losses.
- Authored precise issue reports detailing risk exposures, resolution steps, and long-term mitigation strategies to enhance operational safeguards.
VP Sales - Mortgage Loan Originator
Guaranteed Rate
Chicago, IL
09.2020 - 06.2021
- Managed loan origination at a leading online finance company.
- Reviewed credit reports, appraisals, and preliminary title reports as part of loan originating.
- Generated $1.5 million in total gross loan volume over six months.
- Demonstrated analytical and reporting skills that involved working with attention to detail and meeting deadlines.
- Collaborated with attorneys, bankers, and clients as part of the closing process.
Education
Masters of Business Administration - Finance Concentration
DePaul Kellstadt Graduate School of Business
Chicago, IL12.2021
Bachelor of Science - Psychology Major, Minor in Business Administration
Creighton University
05.2020
Timeline
Field Examiner
PNC Business Credit
10.2022 - Current
Contractor - Global Operations
Bank of America Chicago
07.2021 - 09.2022
VP Sales - Mortgage Loan Originator
Guaranteed Rate
09.2020 - 06.2021
Bachelor of Science - Psychology Major, Minor in Business Administration
Creighton University
Masters of Business Administration - Finance Concentration
DePaul Kellstadt Graduate School of Business