About Sphinx Financial LLC.David B. Briggs Jr. (President): David has more than 22 years of combined banking experience. He spent the first 12 years of his banking career at the large super-regional banks on the commercial side of the bank. His experience includes commercial credit and underwriting, commercial leasing, middle market commercial lending and management. Throughout this core training and experience, David became an expert in loan document preparation and review, commercial credit analysis, portfolio management, corporate loan policy, as well as all varieties of loan and lease products the banks offer. All of these skills were attained while working closely with all sizes of commercial companies and helping to facilitate nearly every variety of commercial loan and related products such as term loans, lines of credit, equipment leases, cash management products, derivatives, SBA loans and real estate loans.
Over the course of the following 5 years, David transitioned to the community banks where he could put his “Big Bank” experience to work on a more direct level with the people and businesses in the greater Cincinnati area. As the Head of Commercial for one bank, and a regional Team Leader for another, he managed commercial and retail teams as well as entire commercial portfolios and gained further expertise in portfolio review, regulatory compliance, loan management & workout, policy refinement, revenue and expense management, establishing sound credit practices and procedures as well as training and mentoring bank personnel.
Since 2009, Sphinx Financial has been helping regional community banks and commercial businesses achieve their goals. David’s uncommon experience of big bank credit training & lending experience, combined with community bank management experience, has given him invaluable perspective on today’s market place.