Kevin M.

Cullen
SENIOR BANK LOAN/CREDIT PROFESSIONAL
Fleetwood, NY 10803 Cell 914-413-0153 kevincullen67@gmail.com
PROFESSIONAL SUMMARY
Senior client-facing/focused banking and risk executive with extensive experience in loan
structuring, due diligence, documentation, portfolio management, work-outs and client
relationship management. Deep industry knowledge and market experience in all facets of the
loan business. Strong manager with reputation for soft-skills and ability to deliver tough
messages respectfully. Also known for crisp execution skills under difficult or time-sensitive
circumstances; executed over 100 syndicated, club and bilateral loan financing transactions for
clients in diverse industries and situations (LBO’s, recapitalizations, distressed
amendments/workouts, DIP and Exit financings), raising in excess of $25.0 billion of senior debt.
Adept at helping clients and their advisors navigate through deeply complex transactions/issues.

Specialties
•Transaction structuring •Credit and financial analysis •Workouts and restructurings
•Loan documentation •Risk mitigation •Investor presentations
•Transaction execution •Due diligence •Investor communication
•Deal-team leadership •Workflow/Procedure Analysis •Client relationship management
EXPERIENCE
CIT GROUP, New York, NY 2012-2018
Managing Director, Communications, Media & Entertainment
• Oversee underwriting and portfolio management efforts ($2 billion of committed exposure) in
the Communications, Media & Entertainment (CM&E) leveraged finance group. Sectors include:
Communications, Information Services, Technology, Entertainment, Sports, Gaming, and Media.
• Responsible for recruiting, retaining, managing mentoring and training 13 credit professionals.
• Maintain appropriate risk grading of loan portfolio and communicate credit migration trends to
senior management.
• Review and approve credit proposal memos, term sheets, credit agreements and amendment
proposals. Use loan market experience to structure appropriate transactions to address emerging
risks.
• Act as a deal team advocate for important transactions, weighing in to help deliver credit
approvals for key clients/deals.
• Revamped numerous internal processes and procedures to eliminate redundancies and ease
workflow. Known as a problem fixer.
• Oversee team’s regulatory and internal compliance efforts and act as effective and credible
liaison with internal and external auditors.
• Author and/or reviewer of numerous industry white papers and analyses of emerging portfolio
risks (Net Neutrality, Cord-cutting as examples; also produced annual Netflix credit risk analysis
for entertainment team’s Netflix-related exposures).
BARCLAYS CAPITAL, New York, NY 2009-2012
Director, Bank Debt Management (2009-2011); Loan Capital Markets (2011-2012)
• Executed new agented leveraged finance and high-grade transactions working in concert with
internal and external constituents (borrowers, investors, counsel, credit). Key deal-team member
on several ground-breaking transactions highlighted by IFR in awarding Barclays Capital Loan
House of the Year award in 2011. Managed borrower/syndicate communication and
relationships for key agented transactions, including amendments and workouts.
ORIX USA CORPORATION (NY office downsized 3/2009), New York, NY 2008-2009
Director, Media Finance Origination
• Managed all aspects of new transaction credit analysis, due diligence, credit approval and
documentation processes, mentoring and supervising junior staff and coordination of third-party
vendors.
BANK OF TOKYO-MITSUBISHI UFJ, LTD., New York, NY 2008
Vice President/Team Leader, US Corporate Banking
• Managed ongoing credit and risk rating analysis of existing portfolio, credit approvals for new
transactions and amendments to existing credits. Industries included certain specialty finance
companies, utilities, pipeline and chemical companies.
 Kevin Cullen Resume
Page 2

BEAR STEARNS & CO. INC. , New York, NY 2001-2007

Managing Director, Loan Portfolio Management
Risk Management and Financial Analysis
• Managed $1.0 billion leveraged loan portfolio consisting of 75+ borrowers (including 25 Admin-
Agented borrowers), reducing concentrations in cash and derivative (CDS and LCDS) markets to
mitigate and optimize individual credit exposures.
Business Development
• Developed strong, trust-based advisory relationships with corporate borrowing clients, loan
investors and financial sponsors resulting in repeat business opportunities and revenues.
Credit, Execution and Workout
• Drafted and presented comprehensive credit approval materials to Bear Stearns’ Credit
Committee.
• Successfully supervised the execution of multiple simultaneous syndicated debt transactions (i.e.,
LBO’s, recaps and refinances) and other competing priorities in a fast-paced, transaction-oriented
environment.
• Negotiated term sheets, loan documentation and amendment requests
Management
• Supervised 3-5 junior portfolio managers, providing mentoring, counsel and guidance in
developing their skill-sets.
• Successfully created and led cross-functional leveraged finance deal-teams to analyze and execute
complex financings.
BMO-NESBITT BURNS/BANK OF MONTREAL, New York, NY 1996-2001
Vice President, Structuring and Syndications 1998-2001
• Structured, priced and sold syndicated bank loans to retail bank clientele.
Modeled cash flow projections and relative valuation analysis of comparable companies and
transactions.
• Wrote and produced information memoranda for marketing transactions; negotiated,
documented and closed complex transactions in the Media and Telecom sector generating over
$10 million in fees.
Associate, Media/Communications Group 1996-1998
• Analyzed, rated, recommended and presented senior debt corporate finance transactions from a
credit and profitability perspective.
• Composed operations and industry analyses, transaction summaries and credit and loan
document approval memoranda.
• Prepared financial projections, sensitivity analysis and financial risk-adjusted return analysis.
• Actively managed, monitored and rated a loan cable and telecom portfolio in excess of $250 million.
Industry/deal experience included wireless, cable, satellite communications and broadcasting.
OTHER EXPERIENCE:
CHASE MANHATTAN BANK, N.A., (Middle market; Completed six-month corporate credit training
program); VILLAGE BANK; DOLLAR DRY DOCK BANK.

EDUCATION
WEST VIRGINIA UNIVERSITY, Morgantown, WV
MBA Finance (3.45 GPA)
ST. BONAVENTURE UNIVERSITY, Olean, NY
BBA, Marketing
U.S. ARMY OFFICER BASIC COURSE, Fort Lee, VA

OTHER
NASD Series 7 and 63, CFA Level I, NYU Continuing Education Classes: Workout, Bankruptcy, and
Reorganization.