
Michael Reed
Analyze complex credit for Investor Real Estate division (BBIRE) of Wells Fargo Bank. Manage a portfolio of over... | New York, New York, United States
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Michael Reed’s Emails mi****@td****.com
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Michael Reed’s Location New York, New York, United States
Michael Reed’s Expertise Analyze complex credit for Investor Real Estate division (BBIRE) of Wells Fargo Bank. Manage a portfolio of over 45 relationships with an aggregate exposure of approximately $175 million Analyze business and personal financial statements, credit histories, cash flow capability, collateral and agings to identify trends, measure performance, assess financial strength, and develop an assessment of credit risk Responsible for performing underwriting analysis of Borrower's character, credit worthiness, and financial condition Work closely with the Relationship Manager to develop an overall strategy for new relationships and existing borrowers Researches industry specific information from outside sources, which includes conversation with Borrowers, industry publications, and accessing information through the Internet Completed a 10-week formal credit analyst training program with TD University, concurrent with a 5-week RMA Commercial Credit for Lenders program Received an "Exceeds Standards" rating in the Credit Analyst Training Program (CATP) which is designed to establish a consistent underwriting product and credit culture throughout the footprint as well as provide a source of qualified candidates for regional and specialized lending opportunities. Provided accounting oversight for cash transactions for all The Biltmore Companies: Biltmore House & Gardens, Biltmore Estate Wine Company, Inn on Biltmore Estate (4-Star/4-Diamond Hotel), Biltmore Estate Reproductions, Inc. Managed efficiency initiatives related to the Treasury Metric Package, which includes Liquidity Performance Ratios, Debt Maturity Schedule, Investment Performance, and Cash Forecast for CEO, CFO, and Board of Advisors. Directed the successful implementation of SafePoint Cash Vaults for Ticketing, Retail, and Food & Beverage locations on Biltmore Estate, which reduced operating costs, streamlined cash cycle, and lowered risk for Company Police.Presented research findings and statistical reports to Executive Vice President, Chief Financial Officer, and Senior Vice President of Guest Operations to support high-level business development and financial planning decisions. Collaborated with Executives and outside consultants in the development of Antler Hill Village, a $20 million real estate development project that provided guests with additional dining, shopping, and historical exhibits. Created an extended market profile report for 25 states for the national distribution of Biltmore Estate Wine.Provided support for human capital management through oversight of timely and efficient review and processing of applications, interviewing of candidates, and active participation in the Staffing Center operations. Enhanced the company's reputation as an employer of choice in the community by ensuring a positive and professional experience for applicants; and, by facilitating the application process in the most expedient and thorough manner possible.
Michael Reed’s Current Industry Wells Fargo
Michael
Reed’s Prior Industry
The Biltmore Company
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TD
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Wells Fargo
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Work Experience

Wells Fargo
Credit Analyst, AVP - Business Banking Investor Real Estate Group
Sun Jul 01 2018 00:00:00 GMT+0000 (Coordinated Universal Time) — Present
Wells Fargo
Credit Analyst, AVP - NYC Business Banking
Wed Jun 01 2016 00:00:00 GMT+0000 (Coordinated Universal Time) — Sun Jul 01 2018 00:00:00 GMT+0000 (Coordinated Universal Time)
TD
AVP, Credit Analyst III, Commercial
Sat Aug 01 2015 00:00:00 GMT+0000 (Coordinated Universal Time) — Wed Jun 01 2016 00:00:00 GMT+0000 (Coordinated Universal Time)
TD
Commercial Credit Analyst II
Wed May 01 2013 00:00:00 GMT+0000 (Coordinated Universal Time) — Sat Aug 01 2015 00:00:00 GMT+0000 (Coordinated Universal Time)
The Biltmore Company
Senior Treasury Analyst
Fri Jul 01 2011 00:00:00 GMT+0000 (Coordinated Universal Time) — Wed May 01 2013 00:00:00 GMT+0000 (Coordinated Universal Time)
The Biltmore Company
Corporate Research Assistant
Thu May 01 2008 00:00:00 GMT+0000 (Coordinated Universal Time) — Fri Jul 01 2011 00:00:00 GMT+0000 (Coordinated Universal Time)
The Biltmore Company
Staffing Services Administrative Assistant
Mon Oct 01 2007 00:00:00 GMT+0000 (Coordinated Universal Time) — Tue Apr 01 2008 00:00:00 GMT+0000 (Coordinated Universal Time)