Timothy Caron
Portfolio Manager @Orange Bank & Trust Company
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WORK HISTORY
Portfolio Manager @Orange Bank & Trust Company
Review/approve all financial information request letters prior to mailing to customer to ensure request is accurate and timely. Manage financial information collection process-Manage site inspection process-Review/manage pending loan maturities 90 days prior to maturity date to ensure there are no administrative past dues and to eliminate last-minute extensions: Correspond with loan officer and customer to take inventory on financials and determine whether all information for expiring loans is collected-Collect/review all required financial data prior to submission to Credit, pre-closing and post-closing: Spread all business returns, financial statements, personal tax returns, personal financial statements and rent rolls. Run all Lexis Nexis and Experian credit reports. UCC Searches. OFAC & DNBI. Complete all HMDA forms. Lender portion of loan presentations. File all documents, create new files all housed in Abrigo and remove staging docs-Assist in managing Credit file documents to ensure all appropriate information is updated and maintained, such as credit memos, financials, correspondence, etc, and all outdated information is removed-Identify/address credit weaknesses/deficiencies, including non-compliance with financial covenants and bring to attention of loan officer & credit-Interfacing with loan review, regulators and/or auditor as required, including follow up on cited loans when requested-Assist Team Leader, Commercial Loan Officers as needed with client interaction, etc-Prepare adverse action letters for customers-Customer calls with assigned loan officers-Review of loan documents prepared in-house or by bank counsel to verify compliance with original credit approval.
EDUCATION
Binghamton University
Bachelor of Business Administration - BBA, Finance, General
Binghamton University School of Management
Master of Business Administration - MBA
ABOUT TIMOTHY CARON
I thrive in collaborative, deadline-driven environments and enjoy tackling complex challenges through teamwork and problem-solving.
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