QUALIFICATIONS PROFILE

Core Competencies :
FINANCIAL ANALYSIS AND REPORTING
CORPORATE TAX PLANNING AND OVERSIGHT
REGULATORY AFFAIRS COMPLIANCE
PROFITABILITY MODELING AND FORECASTING
FINANCIAL AUDITING
FINANCIAL RESTRUCTURING AND BUDGETING
PROCESS AND PRODUCTIVITY IMPROVEMENT
HUMAN RESOURCES ADMINISTRATION
LEADERSHIP, TRAINING, AND TEAM BUILDING
ASSET / LIABILITY AND PORTFOLIO MANAGEMENT
PROBLEM RESOLUTION AND DECISION MAKING
ARTICULATE ORAL AND WRITTEN COMMUNICATION
Decisive, seasoned and highly analytical professional offering more than 30 year
s of solid experience in finance, real estate and operations. Demonstrated excel
lent ability in all aspects of corporate finance, including auditing, treasury,
real estate processes and bank relations. Possess verifiable effectiveness in di
rectly spearheading financial business aspects complemented with in-depth talent
in optimizing performance of financial operations focusing on strategy conceptu
alization and development, commercial risk management, governance and compliance
, financial control, and profitability enhancement. Equipped with stellar entrep
reneurial and leadership aptitude coupled with the ability in coordinating teams
to accomplish goals and meet critical deadlines in a fiercely and highly compet
itive growth environment.
* Demonstrate outstanding organizational skills in streamlining operational and
administrative functions with expertise in SBA and business loan packaging and
presentation.
* Highly regarded for financial acumen in controlling costs, rendering daily fi
nancial analysis, keenly conduct loan review and assessment, and persuasive driv
e initiatives for business development.
PROFESSIONAL EXPERIENCE
EAST RIDGE ASSOCIATES, LLC/SOUTHSIDE FUNDING, LLC * Cohoes, NY * 2007-Present
PRESIDENT / MANAGING MEMBER
* Supervise all phases of loan brokering, tenant relations, construction and re
al estate development.
* Determine and manage the bank presentation of all commercial loans packages.
* Work collaboratively with clients to ascertain the documentation accuracy pri
or to bank/lender submission.
NBT BANK * Albany, NY * 1998-2007
VICE PRESIDENT
* Initiated the smooth operations of the Small Business Lending Department of t
he bank.
* Dynamically spearheaded the lending business with 45 branches.
* Created and utilized questionnaires in order to acquire appropriate accumulat
ion of lending approval information intended for the branch managers.
* Efficiently supervised business development, credit analysis and quality, loa
n presentations, and profitability in the Upstate New York area.
* Comprehensively monitored and assessed industry trends and market condition t
o reflect various customer needs and to generate enhanced products and services.
* Utilized exceptional leadership in managing various loan officers within 15 b
ranches throughout bank's SBA lending division through recruitment, motivation,
training, and supervision.
Notable Accomplishments
* Significantly produced yearly optimum bank-wide loan for seven years of more
than $3 million and fee income of more than $100 thousand each year.
* Seamlessly maintained a free-delinquency development.
* Solely developed fee income of more than $100 thousand in 2005 and $120 thous
and in 2006.
* Provided excellent supervision to small real estate and commercial loans, man
aging a $30 million dollar portfolio.
* Advantageously managed 25% portfolio expansion without any arising delinquenc
y.
EARLIER CAREER
PRESIDENT * HIGHWICK FINANCIAL GROUP * Albany, NY* 1994-1998
ASSISTANT VP / COMMERCIAL LOAN OFFICER * FLEET BANK OF NEW YORK * Albany and Sch
enectady, NY, * 1989-1994
ASSISTANT VP / COMMERCIAL LOAN OFFICER * FIRST AMERICAN BANK * Albany, NY * 1987
-1989
ASSISTANT VP/ MANAGER* THE MONEY STORE INVESTMENT CORP * Roslyn, NY, * 1984-198
7
EDUCATION
ADVANCED COMMERCIAL LENDING & FINANCIAL ANALYSIS * Commercial Lending School, Un
iversity of Oklahoma - Norman, OK
BACHELOR OF SCIENCE IN BUSINESS ADMINISTRATION * Mississippi State University- S
tarkville, MS & Delta State University - Cleveland, MS
Attended, Mississippi State University on a full football scholarship