Cliff Bard

Review and establish the CAMEL composite ratings for all C&I, CRE, equipment, short term working capital & seasonal lines, lines of credits, mortgage loans, M&A loans, AR financing, leveraged financing, standby and performance lines of credit, vehicle, and various term loans. Also involved in analysis, review and other ALLL methodology functions to evaluate competency and training of credit servicing personnel. Evaluated risk management policies, loan policies, underwriting standards, credit analysis

Managed delinquency and special assets for a portfolio in Central Florida. Responsible for credit information gathering, analysis, officer and board approvals & annual reviews, risk rating changes, credit servicing of medium to large portfolio. Also worked on loan collections, modifications, legal foreclosure and deed in lieu, forbearance agreements and sale of REO property. Credit facilities included Commercial & Industrial, mortgages (commercial and residential), equipment, vehicles, working capital lin

Managed and underwrote a $200MM portfolio in Central Florida and South Florida Responsible for renewals, modifications, reviews and reaffirmations of C&I, owner occupied and investor owned commercial real estate, equipment, vehicles, working capital lines of credit, and other assorted term loans. Clients included corporations, partnerships, business owners & executives, medical providers, lawyers, CPA’s, and other high net worth individuals; helped maintain credit quality, grow the portfolio,

Responsible for developing, underwriting, and servicing commercial / industrial and business banking credit facilities, cash management and deposit accounts for business owners, executives, professionals, and mid-market and large companies in the Allentown, Bethlehem, and Easton area following a bank acquisition by IVB in the Lehigh Valley; helped develop over 100 new business banking relationships, increasing loans outstanding , and new deposits; clients included Bethlehem Steet, Mack Trucks, Air Products

Completed structured training program with exposure to operations, bank products / services, commercial loans, installment loans, commercial and residential mortgages, marketing, and credit. Assigned to largest commercial branch as Operations Manager and then to business development role. completed Omega Commercial Credit Program, RMA "Loan Officer Development Course:, "Financial Statement Analysis Course, completed Credit Training rotation, completed BBDI's "Productive Selling" course

Managed the general accounting, budgeting, payroll, accounts receivable, accounts payable, accounts payable, credit & collections, information technology, human resource, facilities management, logistics, truck fleet, and office staff of this multi-plant $50 million manufacturer of engineered electrical products. A 75-year-old family controlled unionized firm that with job shop in 1 plant and a high production standard cost manufacturer in 2 plants. stamping, painting and assembly plant; added 35% revenue

Worked with Americas Division Controller in the Gasoline Credit Card Division on budgeting, monthly – quarterly – annual statement closings and analysis to compare results to Annual Operating Plan and determine why the deviations occurred and what could be done at an operating level to minimize these differences. Also worked with differences between GAAP and IFRS rules and regulations while researching new FASB pronouncements while chapter president and national director for IMA

Managed all dealer floor plan and commercial leasing lines for auto and mobile home dealers in Berks, Lehigh, Northampton and Western Montgomery counties; Credit analysis of all dealers for presentation of line renewals to Bank Board; approved all discounted dealer auto and mobile home loans (over 100 per day); managed collection group (10+) and installment loan title and insurance departments; prepared all department and division budgets; personnel administrarion of 14 employees

Managed local and virtual project team who provided consulting services, training services, organization development, salary & benefit administration, outplacement, and relocation assistance and search services to local and nationwide clients. The clients serviced included banks and brokerage firms- Morgan Stanley, McDonald Securities, Legg Mason, Bank of America, Wachovia, PNC, BNYMellon, Northern Trust, JP Morgan and KeyCorp

Graduate of Officer Candidate School, Newport, RI with Officer Commission; Personnel Officer with Bureau of Naval Personnel, Washingto, DC followed by overseas assignment as Special Services Officer for Commander, US Naval Forces, Japan. Responsible for operration of all Navy and Marine Corp slot machine operations and accounting for all revenue in Japan, South Korea, Vietnam, Okinawa, and Phillipines. Generated over $1MM in profits weekly and then recommended large capital improvements

Economic Perspectives in Management, International Business & Marketing Strategy, Accounting for Managers, Management and Organization Behavior, Management of Innovation

Operations Management, Management of Financial Institutions, Advanced Corporate Finance, Financial Theoris, Survey of International Economics, Marketing & Management Strategy, Concepts & Analysis of Financial Statements, Independent Study - "Importance of Bank Capital Adequacy"

Econometrics, International Marketing, systems, statistics, finance, financial institutions, philosophy