Neil Patel
Dallas,TX
Summary
Accomplished senior leader in the credit/lending space with broad experience and a proven track of record of executing strategies, meeting business needs, and building dynamic high performing teams no matter the environment.
Overview
19
19
years of professional experience
Work History
Director of Underwriting
Fundbox
10.2021 - Current
- Manage a multi-tier organization that includes underwriting, strategy, and loan operations.
- Direct business unit performance with a focus on portfolio growth, risk management, and operational efficiency. Implemented strategies that directly reduced risk by ~40% while meeting revenue growth goals
- Develop, own, and iterate credit policy and internal procedures.
- Partner closely with executive teams to provide business updates and strategic roadmaps.
- Collaborate with product managers, business analysts, and engineers to develop and execute product initiatives to meet client needs.
- Create and implement processes necessary to deliver core business unit functions and meet company goals.
Vice President, Middle Market
Texas Capital Bank
09.2018 - 09.2021
- Managed a team of underwriters that support Middle Market C&I lending.
- Coordinated with underwriters, relationship managers, and credit officers to meet client lending needs from initial deal structuring to negotiations and closing.
- Underwrote a variety of transaction types including but not limited to: acquisition financing, leverage buy-outs, dividend recapitalization, and conventional C&I lending.
- Mentored early career talent with a focus on fostering both technical and interpersonal skills.
- Partnered with internal stakeholders and outside consultants to strategically overhaul and enhance internal processes and workflows.
Vice President, Underwriting
Iberia Bank
05.2012 - 08.2018
- Analyzed available financial resources to assess the creditworthiness of commercial lending clients.
- Chose the appropriate repayment structure, covenant framework, and collateral coverage for new and existing commerical loans.
- Assisted senior management with the transition process following the acquisition of peer banks.
- Led the training and development of junior underwriters and analysts.
- Promoted from Associate ultimately to Vice President during tenure.
Assistant Vice President, Business Banking
JPMorgan Chase
06.2007 - 05.2012
- Recommended the appropriate lending, deposit, and treasury solutions for small business clients.
- Managed a loan/deposit portfolio and directed efforts to grow business banking revenues and ensure regulatory compliance.
- Partnered with peers to deliver comprehensive small business financial solutions aimed at business growth, improved cash flow, and streamlined operations.
Education
Bachelor of Science - Finance
Tulane University
New Orleans, LA2006
MBA - Finance
University of New Orleans
New Orleans, LA2011
Skills
- Analytical/Strategic thinking
- Financial statement analysis
- Training and mentoring
- Negotiation
- Problem-solving aptitude
- Risk assessment expertise
- Team building
- Portfolio management
Timeline
Director of Underwriting
Fundbox
10.2021 - Current
Vice President, Middle Market
Texas Capital Bank
09.2018 - 09.2021
Vice President, Underwriting
Iberia Bank
05.2012 - 08.2018
Assistant Vice President, Business Banking
JPMorgan Chase
06.2007 - 05.2012
Bachelor of Science - Finance
Tulane University
MBA - Finance
University of New Orleans