1. MATTHEW F. KELLEY
208 North Gibbons Avenue • Arlington Heights, Illinois 60004 • (847) 951-5735 • matthewfkelley@gmail.com
Dynamic, detail-oriented financial analyst and underwriting professional with successful experience in
commercial lending operations and management, seeking a position within a progressive organization.
SUMMARY OF QUALIFICATIONS:
» Dynamic, detail and results-oriented commercial loan processing and closing professional with
proven expertise in the full range of financial and customer service operations.
» Comprehensive knowledge of state, federal, regulatory and internal guidelines and policies for
commercial lending.
» Proficient in procedures for commercial and consumer loan funding, underwriting and risk mitigation.
» Complete accurate/timely closing procedures, assessing needs, considering effective alternatives and
implementing positive service practices based on regulatory measures and sound judgment.
CORE COMPETENCIES:
• Commercial Lending Expertise • Procedural Compliance • Commercial Leasing
• Analysis & Research • Project Management • Employee Leadership
• Customer Service & Retention • Reporting & Documentation • Risk Mitigation
PROFESSIONAL NATIONAL FRANCHISE ASSOCIATES, LLC., Lombard, Illinois 2006 to 2014
EXPERIENCE: Vice President of Programs/Underwriter (2008 to 2014)
Managed and directed the full spectrum of more than $100 million in commercial lending
and processing operations for this commercial lending company with the primary focus on
assisting major restaurant chains in the financing of equipment and remodels. Responsible
for business growth, underwriting, credit approvals, loan processing, customer service and
relationship management. Served as relationship support and service liaison for loan
clients, senior management, Co-ops, franchisors, bank officers and staff. Managed ongoing
loan covenant compliance and loan requests/approvals.
• Developed and managed restaurant loan portfolio analysis tools, reports, graphs,
collateral updates and special requests.
• Performed credit analysis on each client to manage risk to company.
• Hired and trained two loan compliance officers.
• Managed EBITDA compliance; monitored and compared to long-term debt to establish
Fixed Charge Coverage Ratio (FCCR).
• Oversaw pre-watch, watch and warning list of elevated risk accounts for necessary
notice of defaults and forbearance.
• Managed complex sales, state, federal and property tax issues.
• Worked with representatives from various organizations including Burger King, Taco
Bell, Jack in the Box and Kentucky Fried Chicken to establish needs and develop loans
programs.
Projects: » Served as loan underwriter, portfolio manager and performed financial reporting
compliance for a $44 million Burger King Loan Program. This program was for
remodeling of 60 franchisors and multiple locations.
» Designed and managed a leasing program with Jack In The Box Corporation and
Rabobank NA for the Jack In The Box Reimage Program. Financed $60 million for 314
Jack In The Box locations.
» Created and managed Equipment Leasing Program with Kentucky Fried Chicken, YUM
Brands and Unified Foodservice Purchasing Co-op for the Kentucky Fried Chicken
Grilled Oven Program. Financed more than $22 million for 365 locations throughout
the United States.
» Created and managed an Equipment Leasing Program with Taco Bell and Unified
Foodservice Purchasing Co-op. Oversaw all aspects of Taco Bell Grilled to Order
Program including the loan processing and underwriting. Financed more than $2.5
million through NFA Equipment Fund I LP for 212 Taco Bell locations.
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2. MATTHEW F. KELLEY Page Two
Portfolio Compliance Officer (2006 to 2008)
Managed and analyzed more than $100 million of client portfolios. Ensured all borrowers
maintained financial covenants according to loan agreements. Analyzed borrower
financial records to verify information.
• Worked with financial representatives from various restaurant organizations to obtain
reports and other documentation regarding loans.
• Calculated payoff/termination amounts for borrower’s loans.
• Prepared quarterly and annual compliance reports for senior management.
BOWE BELL & HOWELL FINANCIAL SERVICES, Wheeling, Illinois 2005 to 2006
Credit and Collections Analyst
Responsible for analyzing and determining the credit worthiness of business clients with
assigned authority of up to $175,000 for captive finance division of this manufacturer of
postal equipment. Conducted credit reviews of customer’s financial conditions to
determine credit limits.
• Collected on past due accounts in a lease portfolio of more than $200 million and 10,000
accounts.
• Submitted credit decisions that were larger than assigned authority to management.
• Trained and mentored new/existing staff members on systems and policies.
BANK OF AMERICA LEASING, Chicago, Illinois 2000 to 2005
Senior Risk Analyst/Assistant Vice President (2003 to 2005)
Responsible for reviewing and analyzing credit approvals for risk, credit policy
exceptions, risk acceptance criteria and exposure. Reconciled approvals to fundings and
published reports including approval pipeline, credit policy exceptions exposure limits
and overfundings.
• Monitored high-risk credits for factors that could trigger credit risk grade changes.
• Prepared credit reviews on renewals; ensured risk adhered to bank policies.
Transaction Analyst (2000 to 2003)
Managed the prompt, accurate handling of transactions on accounting system in regard to
set-ups, maintenance, rebooks, resets and terminations. Responsible for a $4.5 billion
portfolio comprised of more than 20,000 accounts with an annual volume of $2 billion from
around 5,000 accounts.
• Created a termination worksheet for collection and disposition of payoff funds.
• Increased the collection of funds related to taxes and other income items that were
previously overlooked; represented a balance of $200,000.
• Collaborated with Line of Business personnel to discuss financial and operational
aspects of transactions and develop positive solutions.
HELLER FINANCIAL, INC., Chicago, Illinois 1995 to 2000
Lease Negotiation Analyst
Responsible for determining and negotiating buyouts of leases and loans that maximized
returns. Reviewed vendor program agreements and lease contracts to determine buyouts.
• Increased annual income from payoffs by $100,000 for the Vendor Finance Division.
• Supervised and trained associates to assist in early buyout process.
EDUCATION: NORTHERN ILLINOIS UNIVERSITY, DeKalb, Illinois Conferred 1989
Bachelor of Science Degree in Finance; Minor in Economics
SOFTWARE: • Proficient in Microsoft Office with extensive Excel skills.