Michael E. McCarley
Buffalo,New York
Summary
I have operated within a business environment for some time. I have worked mostly in the community under selective programing by creating a Community Loan Program (running all from soup to nuts) or counseling for the Small Business Essentials (one-on-one counseling sessions). I have created and presented technical assistance seminars as well. The assignments are as follows
Overview
25
25
years of professional experience
Work History
Business Consulting/Business Education / Training Specialist
Small Business Education Institute (SBEI)
Buffalo, New York, US
04.2024 - Current
- Presented educational seminars to entrepreneurs assisting the entrepreneur in transforming into a more confident and effective business professional. This included working with a local community-based organization (CBO’s) in the re-establishment of their small businesses.
Business Analyst (Small Business Development Center)
RF SUNY New York Buffalo State University SBDC
Buffalo, New York, US
04.2020 - 08.2023
- Awardee of the 2022 U.S. Small Business Administration- Buffalo District Minority Small Business Champion of the Year
Minority and Women’s Revolving Loan Trust Fund (MWRLTF) and Technical Assistance Program (MWLTAP)
Buffalo Urban League, Inc.
Buffalo, New York, US
02.2000 - 04.2020
- Re-engineered a Fast Track Application Process, Program Policies and Procedures, Loan Review Criteria, and presentation of applications to the Loan Committee for “Accept/Deny” consideration. Responsible for all due diligence investigation and verification of an applicant’s credit worthiness; repayment ability and viability of the business, compiled credit results and reports for loan committee to consider the prospect for financing. Additionally, technical assistance and referral services provided while managing the loan portfolio and workouts for funding from the Empire State Development Corporation.
- Reported directly to the V.P. of Community Initiatives and Special Projects, Chief Financial Officer, and President/Chief Executive Officer of the agency.
- Reported directly to Empire State Development Corporation (ESDC), and
- Additional communication with other financial partners was on a request-by-request basis.
Small Business Consulting- Loan Specialist (September 11th Disaster) Small Business Administration – DAO-1 (Disaster Assistance Ofc Region 1)
Independent
Buffalo, New York, US
07.2001 - 04.2002
- Loan Specialist- aiding and providing guidance and other assistance in submitting disaster assistance applications during the NYC September 11 Diaster. Prepared Loan Officer Packages for submission (Approval/Denial).
Education
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Howard University
Washington, DC03.1980
Skills
- Business Viability Research (Business)
- Loan Program Design and Review
- Business Financing
- Loan Origination
- Commercial Underwriting
- Lending Presentation to Committees
- Loan Closing
- Interpretation of Financial Statements
- Negotiations
- I also am familiar with:
- US Department of Housing and Urban Development (HUD) – Community Development Block Grant (CDBG), Section 108 Loan Guarantee program, and HOME
- US Small Business Administration (SBA) – 7(a) Loan Guarantee and 504 loan programs
Timeline
Business Consulting/Business Education / Training Specialist
Small Business Education Institute (SBEI)
04.2024 - Current
Business Analyst (Small Business Development Center)
RF SUNY New York Buffalo State University SBDC
04.2020 - 08.2023
Small Business Consulting- Loan Specialist (September 11th Disaster) Small Business Administration – DAO-1 (Disaster Assistance Ofc Region 1)
Independent
07.2001 - 04.2002
Minority and Women’s Revolving Loan Trust Fund (MWRLTF) and Technical Assistance Program (MWLTAP)
Buffalo Urban League, Inc.
02.2000 - 04.2020
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Howard University