Marty Laughlin

Background

About Marty Laughlin

Part of our top level 'Strategic Credit' Group, which is responsible for reviewing our high risk and highest exposure accounts, with credit approval authority up to $50MM. Other responsibilities include- Conduct in-depth analysis of financial statements, tax returns, cash flow projections, and other relevant documents to evaluate the financial health and repayment capacity of public and private businesses- Assess the level of risk associated with extending credit to commercial borrowers based on factors such as financial statement analysis, industry trends, market conditions, borrower's credit history, and economic indicators- Conduct thorough due diligence on potential borrowers, including background checks, industry analysis, and market research to identify potential risks and opportunities- Ensuring compliance with CHR’s credit policies, procedures, and regulatory requirements - Make informed recommendations to our Financial Operations Leadership Teams and Relationship Managers regarding the approval, modification, or denial of applications based on the analysis and risk assessment findings- Collaborate with Senior Leadership, Relationship Managers, and other stakeholders to gather relevant information, address inquiries, and communicate credit decisions effectively- Monitoring the ongoing creditworthiness of our portfolio, identifying early warning signs of potential default or delinquency, and recommending appropriate risk mitigation strategies- Staying updated on industry trends, regulatory changes, and best practices to enhance the effectiveness of credit analysis processes and decision-making- Collaborate with Sales, Collections, A/R, Legal, and our customers Executive Leadership teams to ensure payments are received in a timely fashion and all updated financial documentation is received and reviewed, in an effort to justify our exposure and mitigate risk for our high balance/high risk accounts.