MATTHEW F. KELLEY208 North Gibbons Avenue • Arlington Heights, Illinois 60004 • (847) 951-5735 • matthewfkelley@gmail.com

Dynamic, detail-oriented financial analyst and underwriting professional with successful experience incommercial 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 2014EXPERIENCE: Vice President of Programs/Underwriter (2008 to 2014)

Managed and directed the full spectrum of more than $100 million in commercial lendingand processing operations for this commercial lending company with the primary focus onassisting major restaurant chains in the financing of equipment and remodels. Responsiblefor business growth, underwriting, credit approvals, loan processing, customer service andrelationship management. Served as relationship support and service liaison for loanclients, senior management, Co-ops, franchisors, bank officers and staff. Managed ongoingloan 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 loansprograms.

Projects: » Served as loan underwriter, portfolio manager and performed financial reportingcompliance for a $44 million Burger King Loan Program. This program was forremodeling of 60 franchisors and multiple locations.

» Designed and managed a leasing program with Jack In The Box Corporation andRabobank NA for the Jack In The Box Reimage Program. Financed $60 million for 314Jack In The Box locations.

» Created and managed Equipment Leasing Program with Kentucky Fried Chicken, YUMBrands and Unified Foodservice Purchasing Co-op for the Kentucky Fried ChickenGrilled Oven Program. Financed more than $22 million for 365 locations throughoutthe United States.

» Created and managed an Equipment Leasing Program with Taco Bell and UnifiedFoodservice Purchasing Co-op. Oversaw all aspects of Taco Bell Grilled to OrderProgram including the loan processing and underwriting. Financed more than $2.5million through NFA Equipment Fund I LP for 212 Taco Bell locations.

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MATTHEW F. KELLEY Page Two

Portfolio Compliance Officer (2006 to 2008)Managed and analyzed more than $100 million of client portfolios. Ensured all borrowersmaintained financial covenants according to loan agreements. Analyzed borrowerfinancial 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 2006Credit and Collections AnalystResponsible for analyzing and determining the credit worthiness of business clients withassigned authority of up to $175,000 for captive finance division of this manufacturer ofpostal equipment. Conducted credit reviews of customer’s financial conditions todetermine 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 2005Senior Risk Analyst/Assistant Vice President (2003 to 2005)Responsible for reviewing and analyzing credit approvals for risk, credit policyexceptions, risk acceptance criteria and exposure. Reconciled approvals to fundings andpublished reports including approval pipeline, credit policy exceptions exposure limitsand 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 toset-ups, maintenance, rebooks, resets and terminations. Responsible for a $4.5 billionportfolio comprised of more than 20,000 accounts with an annual volume of $2 billion fromaround 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 2000Lease Negotiation AnalystResponsible for determining and negotiating buyouts of leases and loans that maximizedreturns. 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 1989Bachelor of Science Degree in Finance; Minor in Economics

SOFTWARE: • Proficient in Microsoft Office with extensive Excel skills.