PROFESSIONAL SUMMARY Senior municipal credit professional with 25 years of progressive experience and a proven record of achievement in credit analysis and underwriting banking, financial advisory, and capital raising services loan remediation and restructuring and business development and relationship management. Strengths and accomplishments include: * Extensive experience in loan and credit origination to acute-care and specialty hospitals, academic medical centers, senior living facilities, general 501 (c) (3) not-for-profit enterprise and essential service revenue-bond asset classes. * Wide-ranging knowledge of the municipal finance industry, the tax-exempt fixed-income capital markets, and public finance credit analysis, including, besides health care, experience with the asset classes of public and private higher education general 501 (c) (3) not-for-profit cultural, professional, and human service organizations project finance and various other enterprise and essential-service revenue bonds. * Comprehensive understanding of the U.S. hospital and health care industries, including the organization and operation of entities that finance and deliver health care the mechanics of federal, state, and private insurance and reimbursement systems the workings of state and federal administrative and regulatory programs and the internal operation and management of hospitals. * Substantial experience with the management of the due diligence review process, credit analysis, transaction structuring, underwriting, legal analysis and documentation, business negotiations, and the pricing of more than 500 tax-exempt bond issues. * Strong business development skills, resulting in the origination and closing of 325 municipal bond transactions representing $33 billion in par amount of insured obligations, the generation of $750 million in premium income, and the positioning of the health care business group I managed as the preferred and leading insuror of health care bonds. * Extensive distressed credit and restructuring experience, including managing the creditor negotiations, remedial interventions, work outs, transaction restructurings, and bankruptcies of a number of distressed, impaired, or high-risk transactions, across a variety of municipal asset classes, including hospitals, senior living facilities, private colleges, toll roads, utilities, and project finance borrowers. * Substantial portfolio management experience, including developing and administering risk management policies and procedures, credit risk acceptance and underwriting criteria, risk reporting processes, portfolio concentration restrictions, single risk limits, and transaction review schedules. * Relationships with several hundred CEOs, CFOs, and senior management team members of health care and other borrowers across the U.S. numerous principals at leading financial advisory firms credit analysts at Moody's, Standard & Poor's, and Fitch Ratings buy-side analysts and portfolio managers and municipal bond attorneys. * Strong management skills, emphasizing teaching and coaching, frequent communication, collaboration and teamwork, responsibility and accountability, honesty and integrity, and leadership by example. * In-depth familiarity with the operative mechanisms of trust indentures, loan agreements, credit support and reimbursement agreements, and similar transaction documentation, including business covenants, security interests, and legal provisions, as well as a solid working knowledge of creditors' rights and bankruptcy law. * Lengthy service as a standing member of senior credit and executive risk management committees.

Highlights:

• municipal
• healthcare
• credit analysis
• risk management
• commercial lending
• investments
• workouts and restructurings
• asset management
• Business Plan
• Credit Analysis
• Due Diligence
• Pricing
• Security
• Support
• Technical Support
• Consulting
• Business Plan
• Credit Analysis
• Due Diligence
• Pricing
• Security
• Support
• Technical Support
• Consulting
• public finance
• tax-exempt
• distressed credit analysis
• relationship management