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Click here or scroll down to respond to this candidateCandidate's Name
EMAIL AVAILABLELINKEDIN LINK AVAILABLESan Antonio, TX, PHONE NUMBER AVAILABLEBank Business Process ConsultantExperienced Consultant and Lending Officer with over 10 years of extensive lending experience in business development, credit underwriting loans, loan documentation, and portfolio management. Proven track record of cultivating and nurturing relationships with small to middle market commercial companies, professionals, and associations. Adept at analyzing financial statements, ensuring compliance, and presenting credit memos to credit committees. Demonstrated expertise in cross-selling various banking products and services. Possesses excellent presentation, communication, and networking skills, coupled with a thorough knowledge of mortgages, all lien products, all bank products and several core banking systems. Ability to work independently and effectively manage client relationships.Committed to leveraging local contacts and expertise in diverse business sectors to drive growth, while maintaining a focus on portfolio management and regulatory compliance.Areas of ExpertiseCommercial LendingMarket AnalysisLegislation & Reporting InformationCredit Review & RiskP & L ResponsibilityLeadership & Team BuildingMentored staffCredit underwritingBusiness DevelopmentRelationship ManagementGrowth StrategiesAnnual ReviewsAccomplishmentsDeveloped strategic banking pipeline based upon parameters assigned by line of business to deepen and expand your portfolio and the bank's presence in the market.Expanded the loan mix to include larger loans in the $2 mm to $5 mm rangeProduced strong client relationships through disciplined calling efforts, understanding the client's strategic and financial objectives.Expertise in lending practices to include: loan documentation, perfection of security interest, lines of credit, financial statement analysis, cash flow analysis, loan review, credit reports, regulatory compliance and confidentiality practices.Prepared monthly reports including key performance indicators (KPIs), financial performance, budget, and growth goals as well as ad hoc analysisSurface issues and provide feedback to appropriate corporate functional leaders for visibility and timely resolution.Software skills include Microsoft programs: Excel. Word, Power Point and Outlook, typing and many core banking systems.Represented organizations in meetings, conferences, and trade shows at national, state, and local levels, selling the organization's services.Demonstrate exceptional customer service by prioritizing the needs of clients and stakeholders, in alignment with the organization's mission.Bank Secrecy Act (BSA) Officer and oversaw Anti-Money Laundering, Gramm-Leach-Bliley, RESPA. OFAC, CRA, Fair Lending reviews.Career ExperienceManaging Director, The JFK Firm, LLC, San Antonio, TX 2007 PresentProvide strategic consulting services to diverse range of clients, including non-profit foundations, startups, healthcare companies, payment processing companies, entertainment companies, real estate companies, and other small businesses. Currently collaborating with MYFreePharmacy to increase membership and promote low-cost prescription delivery services. Playing a pivotal role in revolutionizing the delivery of prescription drugs, eliminating co-pays and deductibles all with a fixed monthly membership fee. Specialize in strategies aimed at increasing sales, maximizing profits, and reducing expenses.Commercial Loan Officer, A+ FCU, Austin, TX 2021 2022Proven track record of successfully originating ne relationships, structuring, and closing commercial loans. Increased the size of loans by over 20%. Possess a deep understanding of credit analysis, risk assessment, credit policies and financing proposals to tailor comprehensive lending solutions and deposit products for diverse businesses.Regional Director Market President, Pentagon Federal Credit Union, San Antonio, TX 2016 2019Used strategic approach to find mergers that would complement the overall goals of the credit union. Provided professionalism and leadership for the smooth integration of Alamo Credit Union into Pentagon Federal Credit Union. Provided a comprehensive plan to promote the credit union brand that increased awareness of all products and services.President and CEO, Alamo Federal Credit Union, San Antonio, TX 2011 2016Hired as part of a management team to put in place administrative tasks and safety in soundness to San Antonios oldest credit union. As CLO achievements included installing a prudent lending process with an effective collection effort. Lending volumes increased over 25% and delinquency was brought to less than .75%. Credit losses were over 2.5% were reduced to .35% and put in place loss prevention controls. Combining the CLO/COO positions resulted in membership growth over 10% and cross selling provided additional revenue. Put in place processes to accurately and effectively stay in compliance and received very favorable examinations.Additional ExperienceFirst Vice President: Consumer Loan Division, San Antonio Federal Credit Union, San Antonio, TXManage entire direct consumer loan credit facility of over $250 million. Established lending protocol for Visa, MasterCard, Lines of Credit, Overdraft Protection, Boat Loans, Automobile Loan, and other Consumer Loans. Developed affinity relationship with Daughters of the Republic of Texas, which resulted in the introduction of the Alamo MasterCard. Proceeds from card usage support restoration and preservation of the Alamo.EducationHarvard University, CSSBusiness Administration and ManagementUniversity of Virginia, Graduate School Retail Bank ManagementWorcester State University, BA, EconomicsCPR & AED CertifiedAssociationsBexar Bulverde Volunteer Fire Department Assistant Treasurer/Chief Investment OfficerSan Antonio Chamber of Commerce Rotary Club - DowntownNew Braunfels Chamber of Commerce UTSA CITE School Mentor & CoachingAdvisory Board member and Mentor Masters Leadership Program of San AntonioEagle Scout Award Blessed Sacrament Board Member Comal ISD Strategic Planning Committee South Texas Blood and Tissue - 12-gallon+ Club member |
