Brian McGuinness

Worked with proprieitary CRM system and extensive CIO referral network to originate SBA, CRE and C&I loans to small businesses Nationwide. Closed $20mm in loans annually.

-Developed and executed strategies to identify and engage prospective commercial clients, focusing on small businesses in the NJ/NY area. -Expanded the referral network by 30%, resulting in a larger pool of potential clients and increased deal flow. -Conducted thorough financial analysis and due diligence, evaluating creditworthiness and ensuring sound lending decisions. -Structured and negotiated loan terms, aligning clients' financial needs with the bank's risk appetite. -Collaborated with credit officers and underwriters, streamlining loan processing and reducing time by 25%. -Monitored loan portfolios, proactively identifying and mitigating risks, resulting in a 15% decrease in delinquency rate.

-Managed and developed a robust commercial loan portfolio, overseeing the origination and underwriting of loans for small businesses. -Led the identification and cultivation of new business relationships, resulting in the development of a $10 million commercial loan pipeline. -Conducted comprehensive financial analysis and risk assessment of potential borrowers, ensuring creditworthiness and compliance with lending policies and regulations. -Collaborated with business development team to design and implement targeted marketing strategies, resulting in increased loan applications by 30% within the first year. -Successfully negotiated loan terms, pricing, and structures to maximize profitability while meeting client needs and maintaining a low default rate.

-Chair management loan committee, guiding strategic decisions and ensuring alignment with the institution's goals and risk appetite. -Oversee the end-to-end loan process, including underwriting, processing, approval, closing, and servicing, resulting in efficient and error-free operations. -Collaborate with the Chief Credit Officer (CCO) to develop and enforce lending credit policies and procedures, maintaining compliance with regulatory requirements. -Evaluate and make recommendations on all commercial loan proposals and offerings, contributing to sound credit decisions and profitable loan portfolios. -Direct loan portfolio and relationship growth initiatives, fostering strong customer relationships and expanding the bank's market share.

-Developed and implemented comprehensive Commercial & Industrial (C&I) and Small Business Administration (SBA) 7a & 504 lending programs, resulting in a 25% increase in loan origination volume and a 15% growth in the small business portfolio. -Expanded Commercial Real Estate (CRE) lending by proactively identifying market opportunities and establishing strategic partnerships, leading to a 30% increase in CRE loan production within the first year. -Chaired the Director's Loan Committee, overseeing credit approvals, mitigating risks, and ensuring compliance with lending policies and regulations. -Managed a high-performing team of commercial lending, closing, and servicing staff, fostering a collaborative environment and providing guidance to enhance productivity and customer satisfaction. -Led the expansion and revision of credit policies and procedures, streamlining underwriting processes and reducing turnaround time by 20% while maintaining strong credit quality.

-Transformed office operations, resulting in significant improvements in asset quality, loan production, and fee income. -Implemented strategic initiatives to enhance efficiency and effectiveness, leading to the office ranking first in asset quality, loan production, and fee income among all regional offices. -Specialized in commercial real estate (CRE), Small Business Administration (SBA) 7a and 504 loan products, as well as USDA Business and Industry (B&I) loans. -Exceeded budgeted goals by over 35%, surpassing performance expectations and delivering exceptional financial results. -Achieved top rank among all domestic offices by consistently maintaining a positive variance to budget. -Spearheaded efforts to develop innovative lending solutions tailored to the needs of small businesses, fostering growth and expansion in the local market

-Developed and implemented innovative products and offerings to meet the evolving needs of small businesses, resulting in a 15% increase in loan applications and a 10% growth in the loan portfolio within two years. -Supervised and mentored a ten-member staff, fostering a high-performing team culture and providing guidance on loan underwriting, risk assessment, and relationship management. -Implemented streamlined loan origination processes, reducing turnaround time by 20% and enhancing operational efficiency. -Established key relationships with external stakeholders, including business owners, professional networks, and industry associations, resulting in a 25% increase in referral business and expanding the bank's market share. -Successfully managed the business loan portfolio, monitoring credit quality, mitigating risk, and ensuring compliance with regulatory requirements

-Successfully managed and supervised a team of credit analysts, note tellers, closing staff, and post-closing staff, ensuring efficient operations and adherence to bank policies and procedures. -Oversaw the credit department, handling a high volume of commercial loan applications and ensuring accurate and timely decision- making processes. -Facilitated loan approval processes by conducting thorough credit analyses, evaluating financial statements, collateral valuations, and industry trends to assess creditworthiness and mitigate risks. -Developed and implemented comprehensive credit risk management strategies, resulting in a 15% reduction in non-performing loans.

-Graduated from the bank's formal credit-training program, demonstrating comprehensive knowledge of credit analysis, risk assessment, and financial modeling techniques. -Supervised the origination and servicing of the loan department, overseeing a team of loan officers and support staff. -Successfully managed a portfolio of commercial loans, including big-ticket commercial aircraft, boat loans, leases, home equity, automobile, and personal loans. -Developed and implemented strategies to enhance the bank's commercial lending capabilities and expand its small business finance portfolio. -Achieved a significant increase in loan origination volume, resulting in a 20% year-over-year growth in the bank's commercial small business finance portfolio