Saun Caldwell

About Saun Caldwell

A lot of businesses with complex financing needs run into the same problem: they’re offered templated solutions that don’t truly fit. The result? Frustration, delays, and missed opportunities.Over the past 20+ years, I’ve worked with companies across a range of industries to solve that problem. Whether it’s a mortgage warehouse finance deal, a franchise looking to grow, or a business funding its next strategic initiative, I focus on delivering long-term solutions — not just getting deals done, but getting them done right.These days, my work is centered on Structured Mortgage Finance, where I help clients secure customized financing strategies grounded in smart underwriting, sound credit judgment, and a clear understanding of the broader business landscape. Over the course of my career, I’ve also worked extensively in Middle Market Lending, Franchise Finance, and the Security Alarm space — giving me a well-rounded perspective on business models and capital structures.I’ve led teams, originated and underwritten deals, managed portfolios, and approved complex transactions — experience that helps me structure financing that’s both strategic and executable.A few highlights:Closed $100MM in new middle market loan commitments over an 18-month periodStructured complex franchise finance deals with national operatorsHelped clients expand into new markets and strengthen their capital baseManaged a credit team of 8 Portfolio Managers while approving franchise deals up to incoming analysts, supporting professional development and team growthOne experience early in my career still shapes how I approach client relationships today. I helped finance an ESOP transaction for a company just before the Great Recession. Almost overnight, demand dropped and the business struggled to service its new debt. Rather than walking away, we worked closely with the management team to restructure the repayment terms. That company not only survived — it grew and was eventually sold, delivering a strong return to its shareholders. That experience reinforced a belief I still hold: good banking is about long-term partnership, not just closing the deal.If you\'re scaling, restructuring, or facing a financing challenge — I’d welcome the opportunity to connect. Let’s talk.

Experience

1. Vice President

   EverBank

   Nov 2020 — Present

Education

• Suffolk University

  Bachelor of Science (B.S.)

• University of Massachusetts Boston

  Emerging Leaders Program

• Bentley University - McCallum Graduate School of Business

  MBA

Skills

• Finance
• Commercial Lending
• Portfolio Management
• Loans
• Banking
• Risk Management
• Valuation
• Credit Risk
• Credit Analysis
• Financial Analysis
• Credit
• Financial Modeling
• Commercial Banking
• Corporate Finance
• Underwriting