Sean Healey
Costa Mesa,CA
Summary
Experienced commercial portfolio manager with a focus on C&I lending, specializing in underwriting and portfolio management. In addition, I have project management experience helping banks set up and streamline loan origination processes, along with knowledge of loan documentation and core systems integration
Overview
11
11
years of professional experience
1
1
Certification
Work History
Portfolio Manager
Sunwest Bank
12.2024 - Current
- Managing a C&I portfolio of $90 Million in outstanding, including completion of annual reviews, change in terms, renewals, problem loan reports, and covenant testing.
- Underwriting complex C&I deals for new prospects which involve financial analysis, financial modeling, term and covenant structuring and presentation of credit recommendations.
- Leader in bank initiatives to implement artificial intelligent into bank credit and portfolio management processes.
Portfolio Manager
CommerceWest Bank
03.2023 - 08.2024
- Managed diverse commercial loan portfolio of C&I and CRE loans.
- Underwrote complex C&I deals for core prospects which involved financial analysis, term and covenant structuring and preparation of credit recommendations
Senior Underwriter / Founder
Integro Bank
10.2021 - 03.2023
- Managed process of implementing Integro Bank's Loan Origination System from ground up; including bank processes related to credit applications, underwriting, presentation, loan documentation and boarding of commercial loans
- In charge of structuring and underwriting Integro Bank's commercial loans including lines of credit, term loans and real estate
- Helped build platforms for providing Integro Bank's business customers with actionable insights (scenario forecasting, valuation, ratio analysis) based on customer's financials and peer data
Portfolio Manager, AVP
Pacific Mercantile Bank
06.2018 - 07.2021
- Underwrote complex C&I deals for core prospects which involved financial analysis, term and covenant structuring and preparation of credit recommendations
- Managed Pacific Mercantile Bank's Irvine portfolio including preparing modifications and renewals of existing credits
- Facilitated collection, spreading and analysis of customer reporting items
- Leader in transition and implementation of Bank's spreading and monitoring software from CASH suite to CreditTrack, requiring advance knowledge of excel and bank operations
- Improved automated and created reports and procedures for the loan monitoring group.
Financial Analyst
Western National Group
11.2015 - 05.2018
- Maintained and updated financial models for WNG's two multifamily funds analyzing key financial ratios and projected fund returns
- Reviewed and compiled quarterly financial statements and presentations for fund investors
- Maintained and improved asset and financial models with accounting information and market projections
- Assisted acquisitions team in underwriting potential multifamily acquisitions.
Credit Analyst
Federal Home Loan Bank of Chicago
06.2014 - 10.2015
- Monitored and determined security haircuts using credit model components such as Value at Risk, Model Risk, Liquidation Risk, Management Discretion and Financial Strength Adjustments
- Created back testing database and procedures to monitor member's security collateral portfolios
- Assisted in running the OTTI process using CoreLogic's Risk Model software to determine quarterly Credit losses on the Bank's private-label MBS portfolio
- Actively managed collateral portfolios for members, which include loans, securities and cash positions
- Processed and handled members' security payments and transactions including sales, purchases and account transfers.
Education
Other - Data Science
University of California Irvine - Data Analytics Boot Camp
11.2021
Bachelor's - Finance
University of Notre Dame
05.2014
Affiliations
- Finance & Pension Advisory Committee | City of Costa Mesa - Member
Certification
Google Advanced Data Analytics, Google Data Analytics
Timeline
Portfolio Manager
Sunwest Bank
12.2024 - Current
Portfolio Manager
CommerceWest Bank
03.2023 - 08.2024
Senior Underwriter / Founder
Integro Bank
10.2021 - 03.2023
Portfolio Manager, AVP
Pacific Mercantile Bank
06.2018 - 07.2021
Financial Analyst
Western National Group
11.2015 - 05.2018
Credit Analyst
Federal Home Loan Bank of Chicago
06.2014 - 10.2015
Other - Data Science
University of California Irvine - Data Analytics Boot Camp
Bachelor's - Finance
University of Notre Dame
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