Robert McConaghy

About Robert McConaghy

I bring over 22 years of experience across commercial banking and credit risk. I have worked the full lifecycle. Origination, underwriting, portfolio management, special assets, and resolution. I have managed and advised on portfolios across commercial real estate, C&I, construction, SBA, and distressed assets. I understand how deals are structured, how they perform, and where they break. Most institutions do not fail because of one bad loan. They fail because of patterns. Weak underwriting discipline. Policy drift. Overconcentration. Delayed recognition of deteriorating credits. What I do is identify those patterns early and address them before they impact earnings or capital. I\'ve worked directly with credit committees and boards to evaluate portfolio strength and challenge assumptions. That includes risk rating accuracy, global cash flow, collateral support, covenant structure, and forward-looking stress analysis. I focus on aligning real-world underwriting with stated policy and regulatory expectations, not theoretical models. My approach is direct. Data first. Clear judgment. Decisive action. I am focused on building durable portfolios that perform through cycles. That requires discipline, accountability, and the willingness to call risk what it is, early. Whether working inside an institution or advising one, I bring an independent perspective that strengthens credit culture, improves decision-making, and protects the Bank\'s balance sheet.

Experience

1. Vice President, Credit Manager

   NewtekOne (NASDAQ: NEWT)

   Mar 2026 — Present · US

   Manage and supervise underwriters regarding credit risk, credit reviews, financial analysis and make recommendations to the Credit Committee for the largest SBA lender in the United States. Hire, train, coach, mentor, and evaluate underwriters to enhance credit analysis capabilities, industry expertise, and product knowledge. Maintain underwriting quality, ensuring adherence to policy, SBA SOP and regulations. Present credit findings and recommendations directly to the Credit Committee. Prepare and submit detailed credit write-ups and risk assessments for Credit Committee approval. Ensure loans are structured and funded in full compliance with approved credit policies and regulatory requirements and SBA requirements. Improve, define, and implement credit and underwriting procedures as necessary to enhance risk controls and operational efficiency. Participate in internal and external audits related to credit and collections policies and ensure timely remediation of findings. Utilize internal systems, reporting tools, and technology platforms to monitor performance metrics, risk trends, and compliance adherence. Ensure Bank compliance with all applicable external regulations and internal controls.

Education

• Western Governors University

  Bachelor of Science - BS

  2024 — 2025

• Western Governors University

  Associate of Science - AS

  2017 — 2019

Skills

• Financial Analysis
• Commercial Lines
• Portfolio Management
• Commercial Real Estate
• Finance
• Commercial Lending
• Small Business Lending
• Management
• Lines of Credit
• Sba
• Commercial Banking
• Banking
• Customer Service
• Equipment Finance
• Business Development
• Small Business
• Credit Analysis