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Click here or scroll down to respond to this candidateCandidate's Name
Street Address Iiams RdLander, Wyoming Street Address
PHONE NUMBER AVAILABLESUMMARY: Administrator/Financial Manager/Commercial Banker with twenty-six years experience in commercial lending and due diligence for commercial loans, private banking and organizational management. Education includes a Master of Business Administration (MBA), and Master of Healthcare (Hospital) Administration (MHA). Experience includes preparing and reviewing legal documents pertaining to loans, real estate, and other types of collateral, as well as special assets.EXPERIENCE:April 2022 -present: USDA Portfolio Manager in the Government Guaranteed Loans Department, Ameris Bank. Overall responsibility of managing a portfolio of USDA guaranteed loans. Monitoring, analysis for needs and risks, track adherence to loan agreements, submit reviews to the bank and USDA, initiate and communicate with customers, coordinate with all stakeholders, coordinate with Special Assets, provide technical advice to Business Development personnel.August 2021 to April 2022: SBA Credit Underwriter III, GGL Department. Analyze and underwrite SBA 7A and 504 loan requests. 04.2022 to present-USDA, Government Guaranteed Loan, Portfolio Manager, AMERIS BANK. Analyze and review USDA Guaranteed Commercial Loans, provide reports and recommendations to the bank and to the USDA. Maintain the GGL Portfolio for safety and soundness, and to preserve the USDA Guarantee.February 2020 to October 2020: Commercial Loan Specialist, Washington Trust Bank, Spokane, WA: I researched and provided documentation in all areas of due diligence to properly book commercial loans for the largest commercial lending group in Washington Trust Bank. I also analyzed credit for renewals and served on the SBA Paycheck Protection Program team to input loan requests and receive SBA approvals to lock in the loan. Made suggestions to the credit analysts and support staff and assisted in Risk Ratings. The job description is varied and extensive and can be provided upon request.Oct 2014 to April 2015: VICE PRESIDENT, BANK of the WEST, LANDER, WY: Market manager for Retail and Business Banking in the Lander market. I managed all aspects of Retail and Business Banking, and Bank Operations, and SBA Loan opportunities to include various types of SBA 7a loans, SBA 504 Debentures, SBA CAP Lines, SBA Express. Note: I resigned from this position to attend to family emergency (the medical needs of my daughter after she suffered complications from a Traumatic Brain Injury incurred in a snowmobile accident). April 2015 to Jan 2020. She is now in good health.January 2012 to Oct 2014: WYOMING COMMUNITY BANK, LANDER, WY: Loan Officer. Initial duties are to network with realtors, builders, and other spheres of influence, to establish Wyoming National Bank as a complete source for consumer and commercial services. Secondary duty to provide backup and support to the Market President and Commercial Lender in the commercial lending area. Currently working the SBA & and 504 products for commercial loans and implementing mortgage lending in the Lander office to allow for full-service banking and deeper market penetration.2010 to 08/31/2011: ROCKY MOUNTAIN BANK, PINEDALE, WY: Senior Commercial Lender for Sublette County, Wyoming. Responsible for retail and commercial lending activity and commercial deposit growth, for Sublette County. Looked for SBA 7a and 504 loan potentials and underwrote the loans. Provided training and support for Retail and / or Commercial Lenders, and Credit Analysts. Reviewed and updated the loan portfolio for review by banking examiners, achieving a passing grade. Assumed responsibility of OREO portfolio, and worked closely with Chief Credit Officer, Senior Credit Officer, and bank attorney to safeguard and liquidate the portfolio. Selected to work in the first Special Assets Group for Rocky Mountain Bank: Inventoried the OREO portfolio, and created a report to include foreclosure progress, asset monitoring and marketing during the redemption period, safekeeping, maintenance issues, and impairment. Suggested repairs or renovations, shopped for quotes, and hired workers to complete the work. Performing due diligence on the re-start of Oreo gas well to provide an income stream for the bank and to enhance the future sale price. Completed the regulatory requirements; hired a pumper, and the well became income producing. Networked with a Senior Commercial Lender / Special Assets Officer in Teton County for a coordinated effort in reworking the problem assets in the bank. Reason for Leaving: The bank became troubled and undercapitalized, dropping to a zero-star rating on a scale of 1 5.RESUMECandidate's Name (cont'd)Page 22005 12/31/2009: MOUNTAIN 1st BANK & TRUST, HENDERSONVILLE, NC: Senior Vice President and Senior Commercial Lender. Regional Executive for Commercial and Retail Banking in four city offices in the Henderson County Buncombe County area. Responsible for implementing and overseeing all retail and commercial lending, and deposit growth for four City Offices. Managed five commercial lenders and 4 branch managers. Provided training and support for new Commercial Lenders. All offices and lenders met their annualgoals. Past dues were maintained at less than 1%, and ticklers were managed within policy. Also served as Reg. O officer for the bank. Assisted lenders with SBA 7a and 504 Debenture opportunities. Reason for Leaving: Looked for an opportunity to relocate to the West.01/03-2005: MOUNTAIN BANK & CAROLINA FIRST, HENDERSONVILLE, NC: Joined Mountain Bank, my first community bank, on January 2, 2003. Served as Senior Commercial Lender until the bank was acquired by Carolina First Bank of The South Financial Group. Promoted to Senior Vice President; Served dual roles as Commercial Lender / City Executive III; Managed a staff of 4 Commercial Loan Officers, 3 administrative assistants, and 3 branch managers; Originated commercial loans and related bank products; Trained new hires and new lenders in proper analysis and underwriting of commercial loans and SBA loans including 7a and 504; Supervised lending, marketing, and production of direct reports. Reason for leaving: Mountain Bank became unstable and was acquired by Carolina First, which became unstable and was later acquired by TD Bank. I recognized that Carolina First was becoming unstable and accepted an offer to broaden my community banking skills with a new community bank, Mountain 1st Bank and Trust.1999-12/2002: FIRST CITIZENS BANK, ASHEVILLE, NC: Commercial Banker III, Vice President; Served as a Relationship Banker in the commercial market; Originated commercial loans in excess of $500,000.00; Reviewed for leasing opportunities; Analyzed credit requests to determine if conforming to bank policy; Analyzed business plans and tested assumptions; Underwrote credit requests; Monitored financial performance and changed risk ratings as appropriate. Reviewed for additional opportunities to include the following services: Cash Management, Private Client Group, Insurance, Trust, Merchant, Mortgage, and Investor Services; Maintained anactive prospect list and prospects for new customers; Conducted needs analysis on prospects, and current customers; Served as internal consultant on medical lending. Reason for leaving additional opportunity.10 Years: WACHOVIA BANK & TRUST COMPANY, ASHEVILLE, NC, VicePresident, Business Banker, Executive Group: Selected as the first Business Banker in Wachovia Bank for a pilot project. The project was successful and other positions of this type were implemented throughout the state. (Wachovia designation for Commercial Banker); Prospected and developed new customers in the upscale professional and middle markets; Analyzed business plans and financial statements; and provided full-service relationship banking. Specialized in startup capitalization.ASSISTANT CITY EXECUTIVE, Hendersonville: Assigned to restructure staffing and operations of the city office; Managed the internal operations of a city office and staff of twenty, including five loan officers; Developedthe office retail and commercial loan and deposit plan; streamlined internal operations. Achieved the best internal audit of any Wachovia office in Western North Carolina; Promoted to Private Banking Group.BRANCH MANAGER: Defined and developed the retail and commercial markets of a $47 million branch office; Served as a commercial calling officer for the branch market; Managed a staff of fifteen, including three loan officers; Managed all aspects of branch operations including personnel management, budgets, market studies and forecasts, commercial calling plans, and audits; Selected as the first branch manager to serve in a pilot project, which was a Credit Analysts Intern Program. Promoted to Assistant City Executive for Henderson County.PERSONAL BANKER: Began as Management Trainee and progressed through all phases of bank management training program leading to fast track promotions; Developed retail loan and deposit portfolio in an affluent market with moderate emphasis on commercial portfolio. Attended numerous internal banking schools in Winston- Salem and Raleigh, 1-3 full weeks per school.RESUMECandidate's Name (cont'd)Page 3EDUCATION:Completed dual degrees: Master of Business Administration (MBA) and Master of Health Administration (MHA). Pfeiffer University. Combined 3.6 GPA.Bachelor of Science: Management, Clemson University, Clemson, SC.PROFESSIONAL EDUCATION:Banking Related: Wachovia Banking Training and Development Schools: Accounting Principles Course; AIB Analysis of Financial Statements; Business Banking School; Omega Commercial Loans to Business; Commercial Lending School; Commercial Loan Workshop; Commercial Mortgage Training Program; Analysis of Tax Returns; Business Cash Flow; Asset Conversion Cycle; Intermediate Personal Banking School; Internship as Credit Analyst; Xerox Sales School; Retail Commercial Training; Retail Accounts School; Retail Loan School; SPIN (Commercial CallingSkills); New Supervisors Training Course; EEO/Affirmative Action Course; Interaction Management Course; Process Management Skills Course; Internal Auditing Course.Continuing education: NC School of Banking and Finance, UNCChapel Hill (4-year course); RMA Commercial Real Estate Lending; NCBA Advanced Commercial Lending Course; 2008 NC Bankers Association SBA 504 and 7A Conference.AFFILIATIONS:Johnson County SAR, Buffalo, WY; National Ski Patrol, Meadowlark and Antelope Butte; Fremont County SAR, Lander, WY; NOLS Alumni; Lander Snow Drifters; Pro Ski Patroller, White Pine Resort, Pinedale, WY; Main Street Economic Development Committee, Pinedale, WY; Tip Top Search and Rescue, Sublette County, WY; Citizens to Save White Pine (ski resort) economic committee.OTHER: U. S. Army, Ft. Knox, KY: Armor Officer, 194th Armored Brigade, heavy armor; Helicopter Pilot (turbine) w/ Commercial Rating; US Army Ranger School; achieved rank of Captain, USAR.; Ski Patrol Director, National Ski Patrol (NSP); Graduate, National Outdoor Leadership School (NOLS) 5 week Mountain Expedition Leader Course, North Cascades, Washington State.REFERENCES: Available upon Request. |
