Sean Healey

• 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

• 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

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.

• 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.

• 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.