Bob Turnipseed

About Bob Turnipseed

Senior Banking executive with a strong track record of strategic leadership in commercial real estate and corporate lending focused on credit risk management, distressed assets, business growth, and building high performing teams. My senior leadership positions have included multiple successful opportunities to design and build new teams and organizations, or reorganize existing ones. I have a strong foundation in Commercial Real Estate, Corporate Lending, Risk Management, and Workout, and have taken a leadership role within the industry with speaking engagements. This is coupled with strong operational, controls, and business optimization experience.LEADERSHIP* Co-led design, build, and launch of a de novo commercial real estate lending platform* Designed, built out and led Commercial Real Estate Portfolio Management division* Head of Special Assets at $48B regional bank, being promoted after designing, staffing, and leading Leveraged Finance workout team; led workout teams at 2 other regional banks* Consistently establish collegial team environment; educate, mentor, and train staff, colleagues across business lines to enhance job satisfaction and team performance; recruit top diverse talentBUSINESS TRANSFORMATION* Strategic thought leader in Commercial Real Estate business reorganization centered on new strategy to drive revenue growth aligned with risk/reward objectives* Led line of business involvement in new default predictivity and stress testing models, new technologies, capital allocation, and creation of guidelines & procedures* Exercised thought leadership to drive Commercial Real Estate Business’s strategic, streamlining, and efficiency initiativesMANAGE RISK AND ANALYTICS* Consolidated bank wide credit portfolio reporting and analytics function, then expanded capabilities and improved quality of deliverables increasing stakeholder satisfaction* Developed Commercial Real Estate portfolio analytics enhancing insight into portfolio performance* Business and credit leader in development and enhancement of predictive risk models* Author of Credit Policy, in whole or in part, at 4 institutionsCRE AND CORPORATE LENDING* Credit leader partnering with corporate business to drive 300%+ growth* Led restructuring team in 40% annual distressed asset resolution rate* Demonstrated courage declining over $2B of commercial real estate loans lacking acceptable risk/reward profile; missed origination goals in 2007 but materially reduced losses in 2008-10

Experience

1. Deputy Credit Officer (Executive Vice President)

   M&T Bank

   Jan 2022 — Present · Boston, MA, US

   Regional senior credit officer for Northern New England commercial real estate portfolio of institutional and middle market CRE sponsors. Portfolio of $4B.* Collaborate with business line to respond to financing requests effectively and timely, balancing market conditions with risk appetite.* Oversee credit quality of portfolios, working with business line to ensure responsive management of assets, identify potential issues early, and communicate proactively.* Leading effort to rewrite Credit Policy with respect to Line managed classified loans.* Member of Risk Rating Workstream reviewing bank’s PD/LGD models and rating processes.

Education

• LeTourneau University

  Bachelor's, Business Administration and Management, General

Skills

• Investments
• Strategy
• Financial Risk
• Asset Management
• Credit Risk
• Management
• Restructuring
• Forecasting
• Commercial Real Estate
• Real Estate Economics
• Banking
• Risk Management
• Asset Managment
• Structured Finance
• Financial Analysis
• Due Diligence
• Loan Origination
• Commercial Banking
• Cash Management
• Business Strategy
• Credit Analysis
• Financial Structuring
• Executive Management
• Portfolio Management
• Loans
• Mortgage Banking
• Underwriting
• Finance
• Credit
• Valuation
• Cash Flow
• Financial Services
• Real Estate
• Leadership
• Organizational Leadership
• Mortgage Lending
• Treasury Management
• Commercial Lending
• Process Improvement
• Team Leadership