Thomas A. de Roque

Thomas de Roque is a financial consultant specializing in the design, development and instruction of financial analysis, credit evaluation and relationship management programs. His clients include both domestic and international financial institutions, and credit departments of Fortune 500 companies. Prior to becoming a consultant, Mr. de Roque spent over twelve years in banking. He was a senior Corporate Finance Officer with Security Pacific Bank where he managed the credit relationships of both domestic and multinational corporations headquartered in Los Angeles, Chicago, and San Francisco. More recently, he was Program Director of Credit Training for Bank of America responsible for design, instruction and management of advanced finance courses for domestic and international lenders. He has a BA degree in Economics from the University of California and an MBA from the University of Southern California.

PROFESSIONAL EXPERIENCE

Financial Training Consultant and President 1994 - Present
Paragon Analysis Corporation, Emeryville, California

Design, develop, and instruct credit and relationship management training programs for financial institutions. Instructional focus on cash flow, loan structuring, industry and strategy analysis, management evaluation and general credit orientation. Advise bank management on the development and implementation of credit culture strategies to include policies, procedures and philosophies. Clients include both US money center banks, US regional banks, and international banks.

Vice President - Commercial Credit Training 1992 - 1994
Bank of America, Pleasant Hill, CA

Designed, managed, and instructed the principle cash flow analysis and forecasting class to experienced domestic and international middle market and large corporate lenders. Instructor for the cash flow segment in the 10 week Basic Credit Training program given to entry level lenders and the Management, Industry, and Business Evaluation course provided to experienced lenders. Developed the cash flow analysis section of the internal credit memorandum manual. Advised senior management on the trends in credit analysis.

Vice President, Corporate Banking 1989 - 1992
Security Pacific Bank, San Francisco, CA

Primary Marketing Officer for middle market companies with sales between $50 million and $2 billion located in the Western United States. Responsibilities included originating, structuring, and syndicating recapitalization, acquisition, leveraged buyout, working capital, and general corporate financings. Obtained credit approval for new transactions. Negotiated all related documentation. Market cash management, capital market, exchange, trust, and investment products to existing and potential new relationships. Source transactions from regional investment banks, international merchant banks, and leveraged buyout firms. Directed and managed a credit staff on each transaction.

Vice President, Domestic Merchant Bank 1988 - 1989
Security Pacific Bank, Chicago, IL

Primary Marketing Officer for a portfolio of Midwestern Fortune 1000 clients and prospects. Substantial experience in originating, structuring, and syndicating acquisition, recapitalization, leveraged buyout, term working capital financings. Identify asset securitization opportunities and market bank capabilities. Implement interest rate swap programs. Responsible for senior loan committee presentations, marketing plan development, Associate training program classes, and support staff management.

Associate, Domestic Merchant Bank 1984 - 1988
Security Pacific Bank, Chicago, IL

Marketing of credit and capital market products to Fortune 1000 companies headquartered in the Midwest. Assisted in the structuring of financings for leveraged transactions, acquisitions, term, and working capital financings. Developed and presented corporate finance advisory studies focusing on a clients debt capacity and market value. Presented transactions to credit committee.

Education

University of Southern California, Los Angeles, CA 1984
Masters of Business Administration - concentration in Finance.
Recipient of Commerce Associates Full Tuition Scholarship; Dean's List; Instructor for undergraduate Business Communications class.

University of California , Santa Barbara, CA 1981
Bachelor of Arts, Economics
Graduated with High Honors; Dean's List; Congressional intern,  Washington, D.C.

International Experience

JAPAN
Designed, developed and instructed course entitled Cash Flow Analysis and Forecasting for Japanese bankers.

MEXICO
Developed a series of core credit training courses used to enhance a comprehensive credit culture program.

TURKEY
Designed, developed and instructed two one week comprehensive credit training programs for Turkish bankers.

RUSSIA
Designed, developed and instructed various courses on three different occasions to Russian bankers. The courses ranged from introductory credit analysis to advance credit skills. In addition, presented seminars on Understanding Financial Institutions.

INDONESIA
Designed, developed and instructed a comprehensive 21 day Credit Officer Development Program which covered all aspects of credit analysis, loan structuring and credit approval.

UNITED KINGDOM
Designed, developed and instructed several five-day Understanding Industry, Strategy, and Management seminars for Credit Lyonnais. Case studies were designed specifically for the European markets that Credit Lyonnais operates.