Mitchel Spear
Commercial Loan Review Consultant II
- Role
- Commercial Loan Review Consultant Ii at M&m Consulting, Llc
- Location
- Sanford, ME, US
- LinkedIn followers
- 500 followers
About Mitchel Spear
Experienced Credit Professional with 5 years of experience in both small business and large commercial credit. In my current role with M&M Consulting, I review commercial credit relationships for many banks and credit unions across New England. I identify structural weaknesses, analyze borrower capacity, review & test covenants, evaluate collateral support, and provide risk rating conclusions for large borrowers, Reg O, participations, watch list, and new credit relationships. I have developed a strong background in reviewing relationships across residential, commercial & industrial real estate, flag and non-flag hotels, speculative construction, equipment & business assets, and unsecured lending.
Experience
Commercial Loan Review Consultant Ii
May 2023 — Present · Sanford, ME, US
Assess portfolio credit ratings within large borrowers, new relationships, watch list, REG O, and municipal relationships. Maintain active knowledge of OCC and NCUA regulations, and emerging national trends to ensure clients are prepared and within their institution\'s lending policy. Compile data to produce detailed reports on collateral support, financial strength, and structural weaknesses for borrowing relationships up to $500MM in exposure.
Education
University of Maine
Bachelor's degree, Kinesiology and Exercise Science
2013 — 2018
St. Croix Regional Tech Center
Computer Software and Repair
2012 — 2013
Husson University
Master of Business Administration - MBA
2018 — 2019
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