Anthony MBA's Email

Highly skilled credit professional with diversified experience in commercial credit, banking, real estate lending, C&I lending and finance with formal RMA credit training. •Self-motivated and results-oriented focus in credit analysis, managing risk, collections •Strong credit and collection, analytical, judgment and organizational skills •Broad experience and successful in multi-tasking, prioritizing, problem solving and management •Negotiating terms and condition, repayment method, covenants, and collateral requirements •Flexible with effective interpersonal and communication abilities and computer proficiency Specialties: acquisitions, budgeting, credit, customer relations, dun, financial, financial analysis, financial statements, macintosh, microsoft access, microsoft excel, microsoft outlook, microsoft powerpoint, microsoft publisher, microsoft word, operating systems, peoplesoft, real estate, tax planning, trend,

Assistant Vice President, Credit @ •Experienced credit professional with 10 plus years of credit, underwriting, loan review and document review experience for commerical real estate, C&I, and Asset Based transactions. In addition, bank credit policy writing experience inline with federal regulatory guidance. 10 Plus years of Commerical Real Estate experience with over 40 hours of in class real estate valuation training. Able to Analyze financial information of current and potential clients in order to determine their financial stability. • Able to Analyze business and personal financial statements and tax returns. • Able to build and analyze Global Cash Flows for C&I, Commercial Real Estate and Acquisitions and Development Projects. • Able to Analyze C&I companies to determine the financial stability of the existing or potential client. • Able to underwrite complex real estate and C&I area credits. • RMA Formal Credit Trained in the areas including C&I and Commercial Real Estate. • Preparing reports for presentation to internal and external users. • Able to analyze Annual Reviews of Existing Customers. • Have knowledge and capable of applying of stress testing to C&I and real estate projects. • Have extensive knowledge and applications of Statement Analyzer, Moodys, Sageworks. Able to build risk rating models for community banks. • Have knowledge and capable of applying of FDIC guidelines and other regulatory guidelines. • Exercise independent judgment and discretion by displaying and reaching conclusions on the most complex credits and risk ratings. Able to manage small groups along with efficient management of credit and loan review production pipelines. From March 2015 to Present (10 months) Vice President, Senior Credit Analyst @ •Experienced credit professional with 10 plus years of credit and underwriting experience. Able to Analyze financial information of current and potential clients in order to determine financial stability. • Able to Analyze business and personal financial statements and tax returns. • Able to build and analyze Global Cash Flows for C&I, Commercial Real Estate and Acquisitions and Development Projects. • Able to Analyze C&I companies to determine the financial stability of the existing or potential client. • Able to underwrite complex real estate and C&I area credits. • RMA Formal Credit Trained in the areas including C&I and Commercial Real Estate. • Preparing reports for presentation to internal and external users. • Able to analyze Annual Reviews of Existing Customers. • Have knowledge and capable of applying of stress testing to C&I and real estate projects. • Have extensive knowledge and applications of Baker Hill and Statement Analyzer. • Have knowledge and capable of applying of OCC guidelines and other regulatory guidelines. • Exercise independent judgment and discretion by displaying and reaching conclusions on the most complex credits and risk ratings. From February 2014 to March 2015 (1 year 2 months) Regional Senior Credit Analyst - CRE and C&I @ •Experienced credit professonial with 10 plus years of underwriting experience. Able to Analyzeg financial information of current and potential clients in order to determine financial stability. • Able to Analyze financial analysis of business and personal financial statements and tax returns. • Able to build and analyze Global Cash Flows for C&I, Commercial Real Estate and Acquisitions and Development Projects. • Able to Analyze C&I companies to determine the financial stability of the existing or potential client. • Able to underwrite complex real estate and C&I area credits. • RMA Formal Credit Trained in the areas including C&I and Commerical Real Estate. • Preparing reports for presentation to internal and external users. • Able to analyze Annual Reviews of Existing Customers. • Have knowlegede and capable of applying of stress testing to C&I and real estate projects. • Have extensive knowlegde and applications of Baker Hill and Statement Analyzer. • Have knowledge and capable of applying of OCC guidelines and other regulatory guidelines. • Exercise independent judgment and discretion by displaying and reaching conclusions on the most complex credits and risk ratings. From May 2012 to January 2014 (1 year 9 months) Baltimore, Maryland AreaCredit Analyst - C&I and CRE @ From August 2011 to May 2012 (10 months) Construction Finance Manager @ From May 2010 to August 2011 (1 year 4 months) Commercial Lending Credit Analyst @ • Able to Analyze financial analysis of business and personal financial statements and tax returns. • Able to build and analyze Global Cash Flows for C&I, Commercial Real Estate and Acquisitions and Development Projects. • Able to Analyze C&I companies to determine the financial stability of the existing or potential client. • Able to underwrite complex real estate and C&I area credits. • RMA Formal Credit Trained in the areas including C&I and Commerical Real Estate. • Preparing reports for presentation to internal and external users. • Able to analyze Annual Reviews of Existing Customers. • Have knowlegede and capable of applying of stress testing to C&I and real estate projects. • Have extensive knowlegde and applications of Baker Hill and Statement Analyzer. • Have knowledge and capable of applying of OCC guidelines and other regulatory guidelines. • Exercise independent judgment and discretion by displaying and reaching conclusions on the most complex credits and risk ratings. From May 2008 to August 2009 (1 year 4 months) Baltimore, Maryland AreaCorporate Credit/Risk Analyst @ Provided Credit Support with a team of credit analyst to the sales force of Aerotek Commerical Staffing. This position require financial, industry, ratio and management analysis. From June 2005 to April 2008 (2 years 11 months)

Master of Business Administration (MBA), Management and Finance @ Strayer University From 2006 to 2008 Bachelor of Science, Double Major Business Administration and Economics, 3.0 @ McDaniel College From 2001 to 2005 Dipolma, High School/Secondary Diplomas and Certificates, High School @ Mount Saint Joseph High School From 2000 to 2001 Baltimore City College H.S. From 1998 to 1999 Anthony MBA is skilled in: Financial Analysis, Credit, Credit Analysis, Finance, Commercial Lending, Risk Management, Microsoft Excel, Loans, Forecasting, Customer Service, Analysis, Mortgage Lending, Access, PowerPoint, Microsoft Word