M O H A M M A D T A H A
Pottstown,PA
Summary
Accomplished Commercial Banking Relationship Manager with a proven track record in building and maintaining strong client relationships. Currently managing a $250 million loan portfolio, exceeding production goals while delivering exceptional client service. Possessing a CRC certification, I bring a deep understanding of credit risk management and financial analysis to optimize portfolio performance.
Overview
11
11
years of professional experience
1
1
Certification
Work History
VP, Commercial Relationship Manager
ESSA Bank & Trust
2021.04 - Current
- Successfully managing a $250 million commercial loan portfolio, specializing in CRE (multifamily, hotels, medical office, industrial, retail) and C&I (law firms, pharmaceuticals, millwork/casework, engineering, homebuilders).
- Exceeded loan production goals by 100% over the last two years, originating nearly $160 million in loans with an average CRE loan size of $5.5 million.
- Generated $1 million in fee income and $25 million in total new deposits, including $7 million from the expansion of the escrow manager product.
- Identified an opportunity to increase the bank's deposit base by revitalizing the underutilized escrow manager product. Successfully acquired large escrow deposit accounts from law firms, homebuilders, and property management companies.
- Demonstrated strong product knowledge by identifying multiple customers utilizing multiple credit card vendors. Successfully implemented a purchasing card solution for these clients, becoming the first RM in the bank to close this product.
- Proven ability to acquire and retain profitable commercial clients across a diverse revenue spectrum, ranging from under $1 million to over $200 million.
- Demonstrated expertise in credit underwriting, risk management, and financial analysis.
- Possessing a strong foundation in commercial banking from both community and large bank environments, well-equipped to contribute significantly to a larger financial institution.
AVP, Real Estate Relationship Manager
PENN COMMUNITY BANK
2020.12 - 2021.04
- Rapidly assumed Relationship Manager responsibilities, managing a $100MM CRE portfolio consisting of 35 developers and investors.
- Ensured exceptional customer service by maintaining professionalism in all interactions.
- Expanded the customer base by actively prospecting for new business and cross-selling bank products.
- Leveraged financial analysis to identify customer needs and tailor appropriate banking solutions
AVP, Senior Credit Analyst/Underwriter
PENN COMMUNITY BANK
2018.09 - 2020.12
- Managed a $200MM commercial loan portfolio (CRE & C&I), conducting in-depth credit analysis, pricing, and structuring to optimize portfolio performance.
- Spearheaded a bank-wide initiative to review the $400MM construction portfolio, assessing project status, loan covenant compliance, and market conditions to identify potential risks and optimize portfolio returns.
- Restructured distressed loans, and preventing charge-offs through strategic portfolio management and workout strategies.
- Played a pivotal role in the PPP loan program, leading the underwriting team to fund 900 loans, preserving over 10,000 jobs and contributing to overall business growth.
- Performed comprehensive credit risk assessments, including financial modeling, industry analysis, and collateral evaluation, to inform underwriting decisions and pricing.
- Collaborated with relationship managers to conduct portfolio reviews, identifying cross-selling opportunities and enhancing customer satisfaction.
- Maintained expert knowledge of credit policies, risk tolerances, and regulatory requirements to ensure portfolio compliance.
- Demonstrated leadership by mentoring junior analysts and successfully completing the Penn Community Bank Future Leaders program.
Credit Analyst/Underwriter
NEW TRIPOLI BANK
2017.01 - 2018.09
- Partnered well with relationship managers on client meetings and site visits to assist with loan structure, data analysis and credit decisions
- Analyzed financial data of prospective and existing borrowers seeking commercial loans (CRE & C&I) with total commitment ranging from $50M to $10,000M in aggregate exposure, while addressing relevant risks and mitigants
- Assisted in managing a $200MM loan portfolio ensuring LOCs and Demand Loans are reviewed/renewed/extended in a timely manner
- Analyzed audited and company prepared financial statements, tax returns, cash flows and collateral-related data
- Performed in-depth industry/market analysis to identify industry trends and risks
- Conducted post-closing loan review to confirm regulatory compliance and updated CORE system accordingly.
Underwriter III
WELLS FARGO BANK
2013.03 - 2017.01
- Worked in a specialized team for underwriting complex mortgage applications of self-employed individuals
- Managed a monthly volume of 60+ residential mortgage applications from conditional approval to closing
- In 2016, served on the NPRES team, underwriting condominium projects throughout the country to help build WFHM's condo project database
- Reviewed and analyzed tax-returns and financial statements of individuals and various business structures
- Analyzed business trends and performed cash flow analysis, including the review of condominium bylaws, financial statements, and budgets
- Awarded 2015 Best Performing Underwriter Award for being the company's top producing underwriter with a 100% QA rating
- In 2015, promoted from underwriter II to underwriter III
- Mentored and assisted fellow underwriters to better understand lending policies and analyze tax returns and financial statements.
Education
Bachelor of Science - Accounting
RUTGERS UNIVERSITY - RUTGERS SCHOOL OF BUSINESS
NEW BRUNSWICK, NJ05.2012
Skills
- Credit Analysis: In-depth credit underwriting, financial analysis, risk assessment, portfolio management, loan structuring, pricing, and workout strategies.
- Technical Skills: Advanced proficiency in Microsoft Excel, financial modeling, data analysis tools (Abrigo/Sageworks, Moody's), and CRM systems (Salesforce).
- Industry Knowledge: Strong understanding of commercial lending, regulatory compliance, and industry trends.
- Soft Skills: Excellent written and verbal communication, strong interpersonal and relationship-building skills, attention to detail, problem-solving, and time management.
- Credit Training: Formal credit training via American Bankers Association (ABA).
Certification
Credit Risk Certification (CRC) - Risk Management Association (RMA), obtained in July, 2024
Board Memberships
East Central PA Chapter of the Risk Management Association - Board Member, 2023 - present
- Educational Coordinator
Timeline
VP, Commercial Relationship Manager
ESSA Bank & Trust
2021.04 - Current
AVP, Real Estate Relationship Manager
PENN COMMUNITY BANK
2020.12 - 2021.04
AVP, Senior Credit Analyst/Underwriter
PENN COMMUNITY BANK
2018.09 - 2020.12
Credit Analyst/Underwriter
NEW TRIPOLI BANK
2017.01 - 2018.09
Underwriter III
WELLS FARGO BANK
2013.03 - 2017.01
Bachelor of Science - Accounting
RUTGERS UNIVERSITY - RUTGERS SCHOOL OF BUSINESS
Credit Risk Certification (CRC) - Risk Management Association (RMA), obtained in July, 2024
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