Ryan Brogan
ServisFirst
Dunedin,Florida
7
years of professional experience
Forward-thinking professional with a double major in Business Analytics and Finance and 6+ years of progressive commercial credit experience, including 2 years as VP Portfolio Manager for a full-service commercial bank. Skilled with team-based tasks with outstanding professional experience indicated by career progression while exceeding expectations. Equally comfortable working independently in a fast-pace environment. Known for being analytical, results driven, and operating with low ego across functions to build relationships.
Work History
VICE PRESIDENT, PORTFOLIO MANAGEMENT
1 Year 9 Months- Managed underwriting for $120MM credit portfolio across a diverse lending base including, equipment financing, commercial real estate, revolving lines, guidance lines, asset-based lending, home equity lines of credit, and purchase cards; while performing continuous risk assessments of existing and proposed deals. An example would be: structured and underwrote a $9.5MM hospitality refinance and PIP transaction in Orlando, aligning transaction risk with bank internal concentration appetite and portfolio strategy.
- Conducted treasury analysis of key business metrics and delivered actionable recommendations focused on strengthening clients’ working capital cycle.
- Performed quality control measures and covenant compliance to ensure that internal policy guidelines are in place and sound commercial investments are made to comply with the organization's financial goals, in addition to meeting client's objectives.
COMMERCIAL CREDIT ANALYST
1 Year 3 Months- Credit Appraisal & Memorandum Preparation: Conducted thorough credit appraisals and prepared detailed credit memorandums for commercial clients requesting revolving lines of credit or loans greater than $250,000, ensuring comprehensive evaluation of financial stability, risk factors, and repayment capacity.
- Power BI Dashboard Development: Collaborated with cross-functional teams to design and implement a Power BI dashboard, streamlining the process of tracking and visualizing total exposure and current loan balances for revolving clients.
- Hybrid role with the parent company (PB Inc.) and Bank subsidiary (PB Bank Inc.) as a commercial credit analyst to support banking lending needs and account functions, as well as the extension of credit on equipment leasing requests for new and existing customers with the goal of managing and mitigating credit risks.
- Evaluate customers' accounts and determine the financial capacity for account reinstatements and extension of credit based on underwriting guidelines, while managing the Bank's financial risk associated with delinquencies, NSF's and fraud.
- Perform credit analysis based on D&B, Equifax and PayNet scores, financial statements, AR aging, inventory listing as well as internal leasing history to approve equipment leasing finance requests up to lending authority in addition to providing appropriate recommendation on deals above approval threshold. Additionally, perform portfolio management tasks such as annual reviews, borrowing base analysis and covenant compliance tests, to mitigate any credit risks.
COMMERCIAL CREDIT ANALYST
1 Year 8 Months- Credit Write-Up Preparation: Conducted thorough credit write-ups for clients with credit lines greater than $500,000, utilizing the Capital IQ platform to gather and analyze financial data, credit history, and risk factors.
- Data Analysis & Reporting: Leveraged Capital IQ to analyze key financial metrics, including liquidity, profitability, and credit ratios, to assess the client's creditworthiness and repayment ability.
- Adhered to strict information security policies to protect data and guard against potential breaches.
- Conducted thorough research on industry trends and market conditions to support credit decisions.
- Reassessed existing borrowers' credit profiles periodically to ensure they remained within acceptable risk parameters.
ASSOCIATE SALES REPRESENTATIVE
2 Years 3 Months- Participated in regular sales meetings and presented progress reports on assigned territory.
- Maintained strong relationships with existing customers to ensure repeat business.
- Continuously updated product knowledge by attending training sessions or workshops.
- Coordinated with other departments to ensure timely delivery of orders.
- Negotiated contracts with clients according to company guidelines.
- Provided exceptional customer service by addressing inquiries, concerns, or issues promptly.
Education
Bachelor of Science (B.S.) - Business Analytics and Information Systems, Finance
Associate in Arts (A.A.) - Business
Bachelor of Science
Skills
Loan structuring
Banking regulations
Oral and written communications
Financial statement review
Credit analysis
Credit risk
Microsoft Office proficiency
Tableau Certification through University of South Florida
Timeline
VICE PRESIDENT, PORTFOLIO MANAGEMENT
ServisFirst
01.2025 - CurrentRead More
COMMERCIAL CREDIT ANALYST
Pitney Bowes
10.2023 - 01.2025Read More
COMMERCIAL CREDIT ANALYST
TDSynnex
02.2022 - 10.2023Read More
ASSOCIATE SALES REPRESENTATIVE
Tech Data
11.2019 - 02.2022Read More
University of South Florida
Bachelor of Science (B.S.) from Business Analytics and Information Systems, Finance
Read More
St. Petersburg College
Associate in Arts (A.A.) from Business
Read More
Palm Harbor University High School
Bachelor of Science
Read More