Richard Vaughan

Achieve all sales goals [deposit, loan,fee income, relationship and referral] thru prospecting and consulting with new and existing customers, contacts with formal and informal referral sources, and community involvement.

Concentrate on sales within Business Banking; to assist the Business Bankers and other "sales colleagues" , ass appropriate, on customer calls and customer negotiations.

Identify cross-sell opportunities and follow thru with the appropriate business line/partners

To serve as the real estate resource on prevailing commercial real estate topics and data metrics [Cape Rate ; Vacancy & Collection ; Market Rents]

To advise/assist the Underwriting Manager, Credit Policy Officer, Business Bankers, Portfolio Managers and Underwriters regarding loan structure, eligibility and credit issues relating to each investment real estate loan

To uphold compliance with all lending requirements based on all relevant standard operating procedures relating to underwriting, eligibility, maintenance and closing of commercial real estate loans.

To advise Portfolio Managers on requested changes to loan structures and effectively communicate these changes for credit approval.

Provide Business Banker with Sizing Sheet [Deal Metrics], Site Inspection of the proposed Collateral, and Site Photos to accompany transmittal to Credit / Underwriting for approval prior to loan submission.

Provided in-depth market and real estate data analysis to complex ICRE Deals and presented findings to Senior Credit Committee for loan approval

Managed/Disbursed ICRE Construction Loans up to $1MM utilizing AIA Form and Site Inspections to ensure draw request for funds met with required bank guidelines

Experienced with all commercial loans types: land acquisition and development, residential investment [1 to 4 Units and above, commercial construction and permanent mortgages.

Assisted Business Bankers with loan structure and SWAP eligibility