Commercial Banking Underwriter / Financial Analyst

1. A S H L E Y B. L E A R Y
Ph.: (323) 629-6004 email: aleary73@gmail.com
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EXPERIENCE BANK OF AMERICA Los Angeles, CA / Pasadena, CA
VP / Portfolio Management Officer III October 10’ through March 16’
• Senior Commercial Underwriter for both Business Banking and Middle Market Commercial Banking
• Business Banking: Responsible for credit portfolio of company revenue sizes ranging from $5MM - $150MM with a
$3 million single signature authority. Loan sizes between $100M - $10MM with total credit exposure up to $20MM.
o Loan Structures: borrowing base lines of credit, revolving lines of credit, owner-user & investor real estate,
equipment acquisition loans, SBA 504, term loans including acquisition term loans and terming out short-term
facilities
 Primarily secured with personal guarantees.
o Business types: Manufacturers, Wholesalers, Physicians, Medical Office Buildings for various types of medical
sectors, Veterinarians, Technology / Software, Retailers, Contractors, Aerospace, Government Sub-Contractors,
Consumer Services, Legal Services
• Middle Market: Responsible for credit portfolio of company revenue sizes ranging from $300MM to $1.5B. Loan
sizes between $5MM - $100MM with total credit exposure up to $130MM.
o Loan Structures: Cash Flow Lines of Credits, Monitored Lines of Credit, Equipment Lease Loans.
 Negotiated accordion loan features, pricing grids, baskets for permitted acquisitions investments, capital
expenditures, sub-limits for standby letters of credit and trade L/C’s.
o Treasury Products: Large Corporate Cards, e-Payables and Purchase Cards, Supply Chain Management, FX
o Intraday Exposure: ACH debit/credit, Daylight Overdrafts
o Business types: Medical device manufacturer, CAT dealer, Trailer manufacturer for trucking, Agriculture,
Specialty Manufacturers, Retailers, Multi-Level Marketing, Restaurant / Bakery, Private Water Utility,
Nutritional Supplements Manufacturer & Distributor
• Responsibilities
• Preliminary analysis and structure for proposed credits
• Deal Screen Memos
• Devise Term and Commitment Letters and Breach / Waiver Letters
• Credit Approval Reports / Memorandums for new loans and loan renewals
• Write, review & approve Annual Exposure Reviews and quarterly Financial Analysis Summaries
• Scheduled Exposure Reports for SAG / SAG-hybrid - strategies and assessment for special mention loans
• Loan structuring and portfolio management / monitoring including covenant design and testing
• Risk Rating Scorecards
• Quarterly portfolio review and strategic direction
• Conference calls with client and risk teams to gather consensus for client relationship, risk and structure
• On-site client visits
• Risk Rating Scorecards
• Review loan documents / loan agreements and pertinent contracts
• Assessment of Sources of Repayment:
o Fixed Charge Coverage / Repayment Model analysis, including repayment ability from operating companies /
tenant guarantors, global cash flow analysis and debt service coverage analysis for real estate loans
o Collateral Analysis, including NOI and appraisal analysis, margined asset analysis, review of collateral field
exams including orderly liquidation value, assessing appropriate advance rates
o Personal guarantee analysis: Tax Returns and Personal Financial Statements
• Real Estate Reports / Agreements Review: Appraisals, Environmental Data Reports, Phase I, Lease Agreements,
Preliminary Title Reports, Purchase Agreements
• Rent rolls, net operating income analysis, property valuations and assessment of property operating statements
• Key Risks & Mitigants
• Projections in MRA, Excel and using leverage finance model
• Bank Industry Risk Guidance / Strategy Review and Analysis
• First Research, IBIS and industry analysis.
• Competition analysis and comparison including Moody’s, Fitch and S&P debt ratings.
• Review of Experian, D&B reports and UCC filings.
• Bank profitability / pricing model with Basel III metrics
NU IMAGE, INC. Los Angeles, CA
Financial Analyst for film production company February 10’ through September 10’
• Managed all finance and treasury transactions, along with the pertinent accounting entries.
• Reconciled all bank accounts on a daily basis, including film collection accounts.

2. • Primary contact and administer for all banking relationships on both the credit and depository side, including
over $200 million in bank debt.
o Management and submission of borrowing base for $130 million revolving line of credit based on library.
o Compliance reporting to banks.
o Coordinate loan closings, including gathering outstanding items and submission of documents for loan
closing binder.
• Sole member of Finance and Treasury Department who reported directly to the CFO.
• Ensured financial continuity for film productions with an average of eight films in production in various
locations
U.S. BANK / MELLON 1st
BUSINESS BANK Los Angeles, CA
Portfolio Manager / Assistant Vice President Oct. 06’ – May 09’
• Borrower, Tenant and Guarantor analysis; Cash flow, debt service coverage, operating liquidity, leverage and collateral
analysis, including sensitivity and trend analysis.
• Creation of rent rolls and property operating statements, including allocation of CAM expenses.
• Real estate valuations via Income (NOI) and Market (Sales) Approach applying market report findings,
including market vacancy rates and property adjustments.
• Review of leases, including NNN leases.
• Appraisal, Phase I / II and Environmental Data Report reviews.
• Review of Purchase Agreements, Preliminary Title reports and escrow closing items.
• Commercial real estate transactions include industrial, retail, office, R&D flex, and mixed-use
• Industry / Market analysis including associated risks and mitigants.
• Pre-Term Sheet analysis including structuring and sources of repayment.
• Loan approval write-ups.
• Worked closely with Relationship Managers and Borrowers to resolve payment, pricing and structuring issues.
• Work-out loans and restructuring prior to reclassification to Special Assets Group.
• Financial statement, ratio and working capital turn analysis.
• Financial statement input and report generation in Moody’s Risk Analyst and Excel.
• Review of loan documents, company formation and trust agreements.
• Drawing of Loan Agreements.
• Review of monthly Asset Based Loan collateral review, borrowing base and availability trend analysis.
• Monthly covenant compliance review.
• Tax return analysis for both companies and individuals, including Schedule E and K-1’s.
• Covenants and compliance tracking and monthly reporting.
• Review of Collateral Audits, including accounts receivable and inventory results.
FIRST FEDERAL BANK OF CALIFORNIA Santa Monica, CA
Sr. Credit Analyst: Commercial Banking Group April 05’ – Oct. 06’
• Sole Credit Analyst for five Business Development Officers and Relationship Manager.
• Write-ups and recommendations.
• Spread financial statements and tax returns.
• Analysis of Borrowers, Tenants, and Guarantors; Cash flow and collateral analysis.
• Covenants and compliance tracking.
• Appraisal reviews.
• Review of environmental and Preliminary Title reports.
• Title and Escrow closing items.
• Review of Purchase Agreements and Leases.
• Preparation for audits.
EDUCATION TULANE UNIVERSITY, A.B. Freeman School of Business New Orleans, LA
Master of Business Administration
Emphasis: Accounting and Finance
Courses: Financial Accounting, Intermediate Financial Accounting, Financial Statement Analysis, Managerial Accounting,
Cost Accounting, Corporate Finance, Statistics, Forecasting and Business Law.
PEPPERDINE UNIVERSITY, Seaver College Malibu, CA
Bachelor of Arts
Major: Advertising, Minor: Spanish
SKILLS Computer: Microsoft Excel/Word/Power Point/Access, QuickBooks Pro, Dynamics / Great Plains, Moody’s Risk
Analyst, Cash Plus, AFS/Hogan , Global Underwriting System
Languages: Proficient in Spanish