1. John L. Trovato
11 Old Colony Road  Stamford, CT  JohnLouisTrovato@Gmail.com  203.912.8196
Skills & Qualifications
 Loan Underwriting
 Corporate Lending
 Commercial Lending
 Capital Markets
 Capital Structures
 Credit & Risk Analysis
 Financial Analysis & Modeling
 Valuation
 Risk Management
 Bloomberg
 Advanced Excel Skills
 PowerPoint/Word/Outlook
Work Experience
Credit Agricole Corporate and Investment Bank, New York, NY
Vice President, Structured Finance (Real Estate, Lodging and Gaming Group) May 2011 – October 2014
Responsible for underwriting and structuring large corporate loan transactions and secured asset-level debt
financings for a $2.5 billion real estate, lodging and gaming loan portfolio. Specialize in secured and unsecured
corporate credit facilities, as well as property- level financings. Contributed to the underwriting and closing of $1.3
billion of loans since May 2011.
 Conduct extensive due diligence for potential lending transactions to determine a client’s creditworthiness
and highlight key credit risks.
 Formulate opinions and recommendations for prospective lending transactions through the in-depth
analysis of financial statements, 10Q’s, 10K’s, capital structures, cash flows and liquidity, collateral,
financial covenants, and overall market conditions.
 Prepare and present rating recommendations and other ad hoc reports to internal rating committee in order
to review and assign credit ratings.
 Create and sensitize multi-scenario financial models to stress operating performance, credit metrics and
financial covenant thresholds.
 Compose comprehensive credit memorandums for potential lending opportunities and present to the Bank’s
internal credit committees and executive management team.
 Syndicate interests in loan transactions to institutional investors, corporate and investment banks and
regional lenders.
 Collaborate with bank’s executive management team, legal counsel and prospective borrowers to negotiate
loan terms and conditions, draft term sheets and review legal documentation.
 Commission and review appraisals, property condition reports and environmental assessments for property-
level transactions.
 Actively manage and monitor a $750MM portfolio of 11 existing loans consisting of large corporate loans
and property-level real estate and lodging loans.
 Evaluate and report on the current operating performances, credit metrics, covenant compliance, and
collateral of managed loan portfolio through the preparation of in-depth annual reviews presented to senior
credit officers.
Dilmun Investments, Inc., Stamford, CT
Vice President, Private Equity March 2005 – October 2010
Managed $350MM portfolio of diverse investments across multiple industries including lodging, consumer goods &
business services.
 Conducted due diligence sessions with financial sponsors, company management teams, and independent
third party consulting firms to understand industry trends, company business models, company growth
assumptions, and to identify key risks and merits of existing investments.
 Constructed comprehensive financial models to analyze the debt capacity, credit metrics, and equity returns
of investments under sensitized operating scenarios and varying capital structure scenarios.
 Responsible for management of various credit obligations including letters of credit, revolving lines and
subordinated notes of all portfolios companies.
 Used financials models to analyze a portfolio company’s ability to meet obligatory bank covenants from a
leverage and coverage standpoint.
Dilmun Investments, Inc., Stamford, CT
High Yield Fixed Income Analyst June 2000 – March 2005
Investment professional focused on performing credit analysis & presenting investment opportunities for $250MM
company sponsored CDO and $350MM proprietary investment fund.

2. John L. Trovato
11 Old Colony Road  Stamford, CT  JohnLouisTrovato@Gmail.com  203.912.8196
 Led development & presentation of investment opportunities based on eligibility criteria including
weighted average coupon, maturity, rating & pricing covenants for company sponsored High Yield CDO.
 Identified possible high yield investment opportunities through acute interpretation of offering
memorandums.
 Utilized valuations tools & cash flow modeling to identify potential investment opportunities for $350MM
proprietary portfolio.
 Responsible for analyzing high yield credits among several industries with a focus on lodging, gaming and
publishing sectors.
 Created and maintained financial models for existing and potential high yield credits.
 Monitored relative value of portfolio versus S&P 500, JP Morgan High Yield Index, and other related
indices.
 Responsible for all back office operation, which included over $500MM of yearly trading activity and all
pricing duties.
 Established relationships with sales people, analysts, and senior management of high yield companies.
Education
University of Connecticut School of Business, Storrs, CT
B.S. Business and Technology, Finance May 2000
New York Institute of Finance - Certificates in Financial Accounting and Financial Analysis
Training the Street - Certificates in Corporate Credit Risk Analysis and Financial Modelling