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Nicholas Byrd is an accomplished finance professional with extensive experience in portfolio management and credit analysis within the banking sector. Currently serving as a Portfolio Manager at Chatham Business Capital since April 2021, Nicholas specializes in providing consultative advice and creative loan structures to facilitate business growth. Prior roles include Vice President positions at BankUnited, where responsibilities encompassed managing a sizable SBA portfolio and conducting in-depth loan underwriting and risk analysis. Additional experience includes leadership roles at Four Oaks Bank & Trust and Four Oaks Bank, focusing on credit documentation and consumer/commercial credit assessments. Nicholas holds a Master of Business Administration degree from Campbell University and has furthered professional education through the NC School of Banking.