I add value by helping growing firms strategically focus on the risks they seek and take as well as mitigate those risks at origination and as they change over time to successfully operate within their stated risk appetite. My professional experiences include commercial, real estate, consumer, capital markets and portfolio management banking roles across a variety of first and second line positions at Regions, KeyBank and Wachovia. I currently focus on opportunity identification, portfolio diversification, risk/return balance, emerging risk indicators and proactive mitigation strategies to increase shareholder value and directly drive risk culture change. Credit risk sharing transactions are a current area of development to mitigate risk in illiquid portfolios. Past roles include relationship and sales team management, credit underwriting/adjudication, valuation, commercial credit portfolio strategy and management and applied market research positions. Sectors of primary focus include commercial real estate, CMBS origination, large corporate and secured middle market lending. Prior to joining Regions Bank in September 2009 to build the Credit Portfolio Management (CPM) team, I was the Senior Real Estate Credit Portfolio Manager at KeyBank in Cleveland for three years, establishing the role in the newly formed CPM group. I joined KeyBank in May 2006 after 18 years at Wachovia. At Wachovia, my experiences included asset based and aircraft financing, relationship and sales team management, underwriting, servicing, workout and credit decisioning for commercial real estate portfolios, large corporate credit loan administration and CMBS loan origination. My last role at Wachovia was as Senior Real Estate Portfolio Strategist in Charlotte, focusing on portfolio analysis, concentrations, risk rating, market research, valuation and leveraging offshore capabilities for portfolio management processes.