Experience

Wallis Bank

• United States
• Banking
• 100 - 200 Employee

• Senior Vice President - Underwriting Manager

  • Sep 2013 - Present

  -Manage 15+ Underwriters across Texas and California with regards to underwriting all types of conventional, SBA 7(a), 504, and USDA B&I loans. Reviewed all credit presentations prior to submission to the CCO and subsequent approval committees for prudent underwriting and compliance to bank and regulatory requirements. -Developed, implemented and maintained work procedures covering the commercial underwriting department including business continuity, disaster recovery and basic daily procedures to ensure compliance with all local, state and federal regulations as well as compliance with SBA and USDA B&I policies. -Underwrite Conventional, SBA 7a and USDA B&I loans including CRE, C&I, ABL and syndicated loans consistent with credit policy and regulatory requirements. Customers included those with $1M in annual revenues to over $100M. Business types included manufacturing companies, CRE (both owner occupied and income producing properties), hospitality loans, c-store / gas stations, franchise businesses, and various small startup businesses etc. Required analysis of both historical and projection data for both borrower and guarantors. Fluent in UCA Cash Flow analysis, personal cash flow analysis and global analysis. Prepared credit presentations including in-depth borrower and guarantor background, industry assessment, competition, financial soundness and trend analysis of borrower, affiliates, as well as detailed cash flow analysis of individual guarantors and global cash flow as well overall risk assessment. Process included structure recommendation, risk based pricing, loan grading and establishment of any financial covenants. -Fluent with TSoft, Sageworks and Moody’s analytical software. -Performed annual review of credit files including downgrades as appropriate and financial covenant testing on interval basis. -Created a management tool to comply CECL utilizing the Vintage method. Obtained & validated all historical data for this program. Show less



State Bank & Trust Company

• alabama, mississippi and lousiana

• Vice President - Credit Administration Manager, Senior Credit Analyst

  • Aug 1999 - May 2013

  Responsible for the assimilation and analysis of consumer and commercial credit requests on existing and potential customers for use by lending officers and credit committees for use in making lending decisions on new, renewal and extension loan requests for a bank with 50+ lenders and a loan portfolio in excess of $680MM Developed, implemented and trained credit analysts and lenders on personal cash flow and global cash flow analysis. Recognized by both FDIC and state banking examiners for the quality of our credit analysis Provided CCO with initial reports and recommendations in relation to adequate FAS5 ALLR and FAS114 ALLLR Designed and maintained Loan Officer and Branch Performance accountability reports Designed and created Microsoft Access databases to aid in managing risk ratings, business development, and other special projects that could not be part of the core AS400 system for review by Executive Management of the Bank. Supported Loan Review in the ongoing review & analysis of the Bank’s portfolio monitoring for credit quality, policy compliance, and proper loan structure. Summarized strengths & weaknesses of said credits and assigned Risk Rating Voting member of the Information Systems Committee and Asset & Liability Committee Assisted the Chairman of the Board, the CEO and the President the development of the bank’s Strategic Plan Responsible for the preparation of confidential buy / sell proposals for mergers, acquisitions and sales. Prepared advance analysis of regulatory data for the Chairman of the Board to be used in the Market Expansion process as outlined in the bank’s Strategic Plan. Prepared response to bank expansion challenge for state / federal regulatory review and approval. Assisted the Chairman of the Board in various projects including the procurement of a new loan platform system, “De Novo” market area analysis, Due Diligence on potential bank acquisitions and bank consultants Show less



American Express Business Travel

• Phoenix, Arizona Area

• Manager

  • Apr 1998 - Aug 1999

  Co-Authored company’s Call Center Management Manual Additional responsibilities included educating & motivating front line managers and senior management staff on “Call Center Management” principles, reviewing & evaluating call center’s production and quality, identifying problematic business strategies and recommend business changes to improve efficiencies and lower cost. Develop & Implement management reporting and hiring tools for +35 offices. Co-Authored company’s Call Center Management Manual Additional responsibilities included educating & motivating front line managers and senior management staff on “Call Center Management” principles, reviewing & evaluating call center’s production and quality, identifying problematic business strategies and recommend business changes to improve efficiencies and lower cost. Develop & Implement management reporting and hiring tools for +35 offices.



Ameritech

• United States
• Telecommunications
• 100 - 200 Employee

• Manager

  • Apr 1996 - Apr 1998

  Managed union and non-union clerical staff of eight full time employees. Assisted in the development of a formal “Performance Management” project for +4,500 CSRs. Post design, implemented and managed ongoing monitoring and reporting tools for said project. Coordinated the consolidation of five work-groups spread across five states into one streamlined process. Created and trained field level Results Managers on Call Center Management principles, office performance improvement processes and reporting tools. Show less



JP Morgan

• United Kingdom
• Banking
• 700 & Above Employee

• Supervisor

  • May 1991 - May 1996

  Formerly First Chicago Bank Assisted in the development and management of “First Direct Bank”, the first United States based “Bank Without Walls”, including the hiring, training and ongoing management of a team of 10 exempt employees and 5 non-exempt. Created and maintained measurement reports in Crystal Report Writer providing marketing feedback and sales results to senior management. Reviewed and modified current M & P for approving and opening new accounts “indirectly” which resulted in a decrease to processing time from 7 business days to same day in most cases. Implemented Fraud Prevention procedures to ensure customer identity and bank assets were protected Created and delivered presentations to both internal and external banking professionals regarding “First Direct” and the concept of “Banking Without Walls”. Show less