Joe Cigna

Svp- Middle Market Commercial Credit Officer @Bank of America

Charleston, SC, US
EMAILS
j••••••••@bofa.com
MOBILE NUMBERS
+16•••••••02

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WORK HISTORY

Oct 2022 — Present

Svp- Middle Market Commercial Credit Officer @Bank of America

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Charleston, SC, US

Single signature approval authority up to $5 Million in new money and dual signature approval authority typically between $100-175 Million- Back to back years of 20+% of revenue growth and 110+% in outstandings - Drove increased pricing returns through a rising costs of funds environment - Actively Managing and growing a portfolio spread across the Coastal Carolinas and Midlands of $200+ Million in outstandings and $400 Million in commitments-Create highly specialized loan structuring for both Middle Market and Business Banking Clients with up to $2 Billion in Revenue - Indirectly Lead a team of underwrites and credit support associates to delivery, execute, and manage our region - Served on the Southeast Executive Council and participated SC Emerging Leaders Program for BofA

EDUCATION

2009 — 2013

Clemson University - College of Business and Behavioral Science

Bachelor of Science (BS)

SKILLS

Interest Rate DerivativesInterest Rate Risk ManagementCash Flow ForecastingCash FlowCredit DerivativesFinancial StatementsCommercial MortgagesC&I LendingCommercial BankingLoan ModificationsCommercial LendingFinancial ReportingCash Flow AnalysisRisk Based TestingLines of CreditMiddle Market BankingCredit RiskFinancial AccountingPeer Group AnalysisCash Flow StatementsFinancial RiskFree Cash FlowReal Estate LendingRisk AssessmentLoan OriginationRisk AnalysisFinancial AnalysisTrend AnalysisConstruction LoansUnderwritingCredit ManagementCreditFinancial ModelingCash Flow LendingLoan DocumentsAnalysisCredit AnalysisCompetitive AnalysisLoansMarket Risk

ABOUT JOE CIGNA

Senior Vice President at Bank of America

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