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Click here or scroll down to respond to this candidateCandidate's Name
Street Address Ashworth Rd.West Des Moines, IA Street Address
Phone: PHONE NUMBER AVAILABLEEmail: EMAIL AVAILABLEPROFESSIONAL EXPERIENCE:DEE CONSULTING, LLC. Mountain Valley, CA 7/21 - CurrentContractorExecuted and participated in safety/ soundness and compliance exams for the Comptroller of the Currency. The exams include analyzing the FASB 114, credit modeling, grade examination, and an overall assessment of the loan portfolio. Assessed banks' BSA/AML, CRA and HMDA reporting programs for compliance. The testing and review of their testing systems and audits, which the Bank had performed by outside auditors.FIRST NATIONAL BANK IN FAIRFIELD, IA 3/19 7/21Senior Loan Officer/SVP$150MM Bank under a letter from the OCC. Led the lending staff in cleaning up the portfolio, collections, classifications, and establishing new loan policies and procedures. As a result, classified assets fell from 133% to 60%. Member of ALCO committee and Compliance committee. In Compliance managed the HMDA reporting and CRA. Managed a personal portfolio of $40MM with various credits, including Ag and participations.DEE CONSULTING, LLC. Mountain Valley, CA 3/15 3/19ContractorExecuted and participated in safety/ soundness and compliance exams for the Comptroller of the Currency. The exams include analyzing the FASB 114, credit modeling, grade examination, and an overall assessment of the loan portfolio. Assessed banks' BSA/AML, CRA, and HMDA reporting programs. The testing and review of their testing systems and audits, which the Bank had performed by outside auditors.HOME STATE BANK, N.A. Crystal Lake, IL 1/13 3/15Chief Credit Officer$600M size bank under a letter from the OCC. Instituted new loan policies and collection procedures. Reduced classified assets from 120% of capital to 65% in six months. Bank rating increased by OCC. Managed a staff of 17, including credit analysts, loan officers, loan docs, operations, SAG, and cash management. Approved all credits from $250M to $10MM. Member of the senior management committee, CRA, Compliance, and ALCO. In charge of BSA/AML function of the Bank and certified HMDA annual reporting. Managed a $20MM ag portfolio. Also, the SVP of the Leasing Company for the Bank included the approval of leases for the leasing operation. Implemented stress testing for the portfolio to flow to the ALLL reserve.FDIC, West Des Moines, IA 1/11 1/13Loan Review Specialist and ComplianceTwo-year contract. Assist examiners in bank exams dealing with complex loan situations. Evaluate, classify, do FASB 114 impairments and evaluate the ALLL reserve. In addition, we examined Bank's cash management programs and liquidity. Test compliance with BSA/AML, HMDA reporting, and UDAAP. Worked as an asset manager who supervised other LRSs and examiners to establish loan classifications, meet with bank management, prepare reports, and finalize the exam report, including BSA and HMDA.CLIFTON GUNDERSON, LLP, West Des Moines, IA 09/09 6/10Manager Loan Review Bank Consulting GroupResponsible for performing loan review and asset quality on banks under audit of the Company. Recommended downgrades, met with senior management, assessed Loan Loss Reserve, and produced a report that examiners and Board of Directors read. Tested CRA inputs and analyzed HMDA reporting.BANK OF THE WEST, Des Moines, IA 6/07 3/09Senior Relationship Manager Commercial Construction DepartmentOn the consumer side, underwrote the end mortgage for approval under the terms of the mortgage loan process of the Bank. The end mortgage had to be approved before we could support the construction mortgage. Wrote the analysis, credit reports, documentation of income and assets, and liabilities for the end loan, which went to approval for the construction loan.Supervised tax credit financing for the region. Originated and approved requests.Manage a portfolio of $50MM.Supervise one lender and two administrative analysts.COMMUNITY NATIONAL BANK, Waterloo, IA 10/04 5/07Vice PresidentResponsible for originating and building a loan portfolio in the Cedar Valley area, including construction and Agricultural loans.Ordered all procurements for the commercial loan area, including negotiations and workouts with software companies.Managed and grew a portfolio with a mix of loans, including problem loans.Total portfolio around $32MM, including loan participations, agricultural loans, and SBA loans.F&M BANK, (Citizens Bank of Flint Michigan), Ames, IA 9/01 9/04Vice PresidentResponsible for originating and maintaining a loan portfolio for the Ames and Story City branches.A portfolio of $26MM contains various types of commercial, construction, commercial real estate, and agricultural loans.Led the Iowa bank by originating $13MM in new loans at the matrix required by the Bank in 2004.Supervised three people and participated in the Loan Committee and Strategic Planning Committee.EDUCATION:Colorado Graduate School of Banking, University of Colorado, Boulder, ColoradoNorthwest Missouri State University, Maryville, MissouriMBA Finance and EconomicsNebraska Wesleyan University, Lincoln, NebraskaB.S. Business AdministrationCOMPUTER SKILLS:Work with Microsoft Word, Excel, Works, Access, PowerPoint, and the Internet.OTHER:Adjunct Professor for various colleges teaching economics, corporate finance, and banking coursesCRC certificationCRCMP certificationPUBLISHED ARTICLES:"The Importance of a Working Capital Adequacy Model" RMA Journal of Commercial Lending, 3/2015"Does your bank need an M&M Committee?" RMA Journal of Commercial Lending, 2010(Winner of the first prize of RMA Journalistic Awards) |
