Toby Ritz

Background

About Toby Ritz

As a Senior Banking Professional, I specialize in managing and overseeing problem loan portfolios and special assets, focusing on restructuring, exit strategies, and collateral liquidation. I ensure diligent oversight of past dues, overdrafts, and covenant enforcement while collaborating with the Chief Credit Officer to develop tailored strategies for workout credits, adapting to the evolving circumstances. Additionally, I serve as Program Director for BusinessManager, overseeing daily operations and monitoring the overall risk profile of the portfolio. As the Designated Appraisal Officer for the bank, I manage internal appraisal reviews, evaluations, and adherence to policy and Interagency Guidance. Core Skills and Experience: Active member of the Senior Loan Committee Credit underwriting, including syndicated loans exceeding $100MM, presented to the Senior Loan Committee Preparation of monthly classified/criticized asset reports for the board Expertise in ACL (FAS/ASC) and CECL standards Loan policy modification and enhancement Development and management of new analysts and underwriting/analyst pipeline As a Senior Banking Consultant: Leading loan reviews and asset quality management Managing ESOP and bank stock evaluations Conducting portfolio/capital-at-risk stress testing Developing and overseeing interest rate and liquidity risk review products Technical Proficiency: Microsoft Suite, Adobe/Kofax, Abrigo (Sageworks), Wolters Kluwer (CASH), Jack Henry (AS400 & Xperience), Synergy, Aurora, FIS, Cognos I am highly self-motivated with a strong critical thinking mindset focused on reprocessing and resolving complex challenges.