Morgan Chen
Senior Commercial Banking Director | Mid-Market Corporate Lending & Debt Structuring
Calgary
Executive Summary
Accomplished commercial banker with extensive experience directing mid-market credit underwriting, structured debt facilities, and corporate lending portfolios across Western Canada. Demonstrated track record in evaluating balance-sheet risk, leading syndicated financing transactions, and driving sustainable client growth while preserving pristine asset quality.
Professional Experience
Foothills Merchant Bank
Calgary, AB
Director, Commercial Banking
May 2021 – Present
- Manage a commercial lending portfolio exceeding 280 million CAD across energy transition, agri-business, and industrial logistics clients.
- Lead end-to-end deal origination, risk assessment, and covenant design for bilateral and syndicated credit facilities ranging from 5 million to 45 million CAD.
- Spearhead annual credit review workflows and risk-rating recalibrations, maintaining zero non-performing loan impairments over a consecutive four-year cycle.
- Collaborate with treasury, cash management, and cross-border trade finance teams to increase recurring ancillary fee income by 22 percent across assigned accounts.
- Mentor four commercial credit associates and analysts on cash-flow modeling, sensitivity testing, and credit presentation standards.
Senior Commercial Account Manager
Aug 2017 – Apr 2021
- Structured debt facilities, working capital lines, and asset-backed term loans for mid-market commercial clients with revenues between 15 million and 75 million CAD.
- Partnered with internal credit risk adjudication committees to resolve complex security structures and subordinate financing terms.
- Expanded commercial deposit balances by 34 million CAD through automated liquidity management and treasury service placements.
Bow Valley Financial Trust
Calgary, AB
Commercial Banking Associate
Feb 2014 – Jul 2017
- Administered an active commercial credit portfolio of 42 accounts, conducting in-depth financial statement analysis and covenant monitoring.
- Authored detailed credit authorization memos for equipment financings, owner-occupied commercial real estate, and operating credit lines up to 10 million CAD.
- Reduced overdue reporting compliance exceptions across the assigned book from 11 percent to under 2 percent within eighteen months.
Credit Analyst
Jun 2011 – Jan 2014
- Constructed comprehensive three-statement financial models, downside stress scenarios, and industry benchmark reports for senior relationship managers.
- Monitored monthly borrowing base certificates and collateral margin requirements for asset-based lending facilities.
Education
University of Calgary
Bachelor of Commerce · Finance · Calgary, AB · With Distinction · Sep 2007 – Apr 2011
Completed coursework in corporate financial policy, credit evaluation, derivative instruments, and investment portfolio analysis.
Participated in the university investment management fund, analyzing western Canadian industrial and energy sector equity holdings.
Strategic Transactions
Regional Logistics Syndicated Credit Facility
Sep 2023 – Mar 2024
- Structured and syndicated a 65 million CAD asset-backed term loan and revolving facility for a specialized transportation fleet operator expanding into northern British Columbia.
- Negotiated intercreditor terms and subordinate debt positioning among three participating regional institutional lenders.
Manufacturing Recapitalization & Succession Financing
Apr 2022 – Nov 2022
- Originated and closed a 24 million CAD senior credit facility for a multi-facility manufacturing business transition under an employee trust acquisition framework.
- Structured bespoke debt-service covenants tied to seasonal working-capital shifts, preserving liquidity cushions through cyclical demand contractions.
Core Competencies
Commercial Credit Underwriting
Loan Syndication
Financial Modeling & Valuation
Debt Structuring
Risk Adjudication
Working Capital Solutions
Treasury & Cash Management
Client Relationship Management
Covenant Compliance Monitoring
Asset-Based Lending
Languages
English
C2
French
B1
Professional Designations
Chartered Financial Analyst (CFA)
CFA Institute · Sep 2015
Certified Financial Planner (CFP)
Canadian Securities Institute · Apr 2012
Community Involvement
Prairie Community Enterprise Council
Calgary, AB · Jan 2019 – Present
- Volunteer Business Advisor
- Deliver annual financial education workshops on working capital planning and commercial credit readiness for regional small business owners.
- Review grant applications and advise local entrepreneurs on sustainable balance-sheet management.