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Overview of Commercial Banking

Overview of Commercial Banking. Angel Sutoyo. Commercial Banker…. What I really do…. Structure, market, and document senior credit solutions for publicly-traded and privately-held corporate clients.

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Overview of Commercial Banking

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  1. Overview of Commercial Banking Angel Sutoyo

  2. Commercial Banker…

  3. What I really do… Structure, market, and document senior credit solutions for publicly-traded and privately-held corporate clients. These senior credit solutions finance a wide range of general corporate needs, including mergers and acquisitions, leveraged buy outs, dividend recapitalizations, and working capital growth. In a nutshell, commercial bankers lend to companies.

  4. About Bank of America Source: Yahoo Finance Source: Bank of America website Founded in 1784 (The Massachusetts Bank) Serves approximately 50 million consumers, small businesses, and corporate clients in more than 90 countries Extended approximately $138.5 billion in credit during the fourth quarter of 2013 As of December 31, 2013, Bank of America had $2.1 trillion in assets, $1.12 trillion in deposits, and more than $928 billion in loans

  5. Spectrum of Financing • Least flexibility • Lowest issuance & borrowing cost • Most flexibility • Highest issuance & borrowing cost Senior Secured Subordinated or Equity-Linked

  6. Analysis

  7. Analysis

  8. Commercial Banker Qualifications • Required Skills • Financial Accounting • Corporate Finance • Economics • Strong Communication & Analytical Skills • Technical Skills including: • Loan Structuring • Underwriting • Portfolio Management • Loan Documentation/Negotiation Experience

  9. Advice to My College Self • Increase accounting and finance proficiencies • Improve written and verbal communication skills (public speaking) • Practice asking thoughtful questions • Study abroad – broaden your frame of reference and life experiences • Seek out networking opportunities (via student and/or professional business associations) • Pursue internships strategically

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