Charles Pinkman
@charlespinkman
Experienced Portfolio Manager skilled in risk assessment and loan management.
United StatesWhat I'm looking for
I am an experienced Portfolio Manager with a robust background in assessing commercial loan events, analyzing risk, and managing extensive loan portfolios. My expertise lies in reviewing and analyzing key financial documents, such as operating statements, rent rolls, tax returns, and appraisals, to evaluate property performance and mitigate risk effectively. I have a proven ability to collaborate with both internal and external stakeholders, preparing comprehensive reports that drive decision-making in loan modifications, assumptions, liquidations, and collateral replacements.
Throughout my career, I have demonstrated a strong understanding of commercial loan documents and legal requirements. I excel at working independently while managing complex transactions and mentoring junior staff. My areas of strength include negotiation skills, financial data analysis, and regulatory compliance, which have been instrumental in my success in managing portfolios exceeding $315 million. I am committed to delivering world-class customer service and ensuring compliance with all applicable regulations.
Experience
Work history, roles, and key accomplishments
SBA Sr. Portfolio Manager II
First Internet Bank
Aug 2023 - Present (1 year 10 months)
Exercised decision-making and authority to minimize organizational risk by leveraging operational controls to determine proper course of action according to current SOP guidelines, federal regulations, and bank policy. Managed a portfolio over $315 million and a team of 5 Jr. Portfolio Managers.
Sr. Portfolio Manager II
U.S. Small Business Administration
Aug 2020 - Aug 2023 (3 years)
Performed annual reviews and in-depth credit analysis for a portfolio of SBA 7(a) and USDA loans, ensuring adherence to all applicable regulations and risk mitigation protocols. Led the preparation of Credit Memos and Addendums for SBA & USDA loan requests, highlighting key financial metrics and borrower conditions to support informed decision-making.
Sr. Portfolio Manager
Republic First Bank
Apr 2013 - Jul 2023 (10 years 3 months)
Led the long-term resource planning process to ensure sufficient capacity and skillsets for the portfolio of projects, aligning with the Transformation Office's strategic objectives. Monitored the health of the portfolio by tracking risks, issues, and interdependencies, and proactively addressed potential obstacles to ensure timely project delivery.
Sr. Mortgage Compliance Lead
Bank of America
Feb 2011 - Mar 2013 (2 years 1 month)
Managed a portfolio of commercial loans, focusing on risk mitigation, loan modifications, and event analysis, including lease reviews, modifications, and collateral adjustments. Conducted in-depth financial analysis, including the review of operating statements, rent rolls, tax returns, and personal financial statements to determine borrower liquidity, net worth, and overall creditworthiness.
Education
Degrees, certifications, and relevant coursework
Upsala College
Bachelor of Science, Finance
Completed a Bachelor of Science degree in Finance. Gained foundational knowledge in financial principles and practices relevant to the industry.
Availability
Location
United StatesAuthorized to work in
Job categories
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