Eric Ebersole

Background

About Eric Ebersole

19 Years of Commercial Credit Experience. • Front-line credit risk management with direct contact with clients and sales team. • Underwrote warehouse lines of credit/repurchase facilities up to $450MM which included structured products, sublimits, advance rates, curtailment schedules, pricing, and financial covenants. • Original member of start-up lending business that grew to fund over $8B per month and became an industry leader. • Experienced in developing and rolling out new lending programs and reporting requirements to clients. • Experienced in spreading and assessing various types of financials (internally prepared, audited, 10-K/10-Q filings, FOCUS Reports, Call Reports, investment fund performance reports). • Key contributor in revamping the risk rating methodology for a Line of Business. • Selected by Managing Director to be the Data Analyst for a Line of Business which had a portfolio balance of $5B. • Underwrote and established exposure limits for vast portfolio of secondary market takeout investors which were privately and publicly held companies. • Compiled Line of Business and client level data to produce monthly and quarterly surveillance reports for senior leadership and risk team discussions. • Enhanced the compliance reporting/tracking database for the Line of Business. • Key contributor in establishing credit policies and procedures for the Line of Business. • Credit approval authority for new and existing facility requests. • Designated Subject Matter Expert for client-facing lending system. • Experienced in collaboration with internal and external legal teams to negotiate credit facility documents. • Promoted to Sr. Credit Analyst and mentored newly hired/Jr. Analysts. • Established contacts within other areas of the bank to prepare ad-hoc and regular reporting/presentations for senior leadership discussions. • Peer recognition for teamwork and going above and beyond for customers. • Promoted from sales to Branch Manager; significantly improved the sales and collections performance of the branch. • Q2 2019 Global Customer Experience Award Winner.