Experience

Commercial Banking Company

• United States
• Banking
• 1 - 100 Employee

• Senior Vice President- Chief Credit Officer

  • Sep 2015 - Present

  Valdosta Georgia



S Bank

• Banking
• 1 - 100 Employee

• Chief Credit Officer

  • Feb 2013 - Sep 2015

  Glennville Ga



THE SAVANNAH BANK

• VP Credit Administration/ Credit Risk Manager

  • Aug 2004 - Feb 2013

  Duties have included – Maintaining the ALLL for the 3 banks & holding company, managing the Credit Department, primary contact for external auditors and regulatory agencies, produce reports using Information desktop query, Business Information and Crystal reports for review of credit quality, data integrity, portfolio trends, stress testing, concentration reports and various other management requested reports, work with loan officers to produce credit memos and large loan reviews, manage credit… Show more Duties have included – Maintaining the ALLL for the 3 banks & holding company, managing the Credit Department, primary contact for external auditors and regulatory agencies, produce reports using Information desktop query, Business Information and Crystal reports for review of credit quality, data integrity, portfolio trends, stress testing, concentration reports and various other management requested reports, work with loan officers to produce credit memos and large loan reviews, manage credit & central loan documentation department, update and maintain loan policy manual. Research, make recommendations and implement new tickler tracking, document imaging and credit department administrative software program. Train credit analyst, coordinate loan portfolio management with 3 banks of the Savannah Bancorp system (The Savannah Bank, Bryan Bank & Trust, Harbourside Community Bank). Show less



THE COASTAL BANK OF GEORGIA

• VP Credit Administration/Loan Review

  • Aug 2003 - Aug 2004

  - Brunswick, GA. Manage the Loan review and Credit Department for a $415 mill 7 branch Commercial Bank. Primary contact for external auditors and regulatory agencies, produce reports using WebIntelligence query for review of credit quality, data integrity, portfolio trends and various other management requested reports, work with loan officers to reduce past dues using loan focus reports, manage collection department to help, update and maintain loan policy manual. Perform regular review of… Show more - Brunswick, GA. Manage the Loan review and Credit Department for a $415 mill 7 branch Commercial Bank. Primary contact for external auditors and regulatory agencies, produce reports using WebIntelligence query for review of credit quality, data integrity, portfolio trends and various other management requested reports, work with loan officers to reduce past dues using loan focus reports, manage collection department to help, update and maintain loan policy manual. Perform regular review of larger credits to assess credit and operational integrity. Show less



Southeastern Bank

• Banking
• 1 - 100 Employee

• VP Risk Manager

  • Dec 1999 - Aug 2003

  Manage the Loan Review/Credit Department and Internal Audit Dept for a $350 mill 16 branch Commercial Bank. Duties include Loan review, Credit Analysis for larger loans, Allocation for Loan Loss Reserves Report, primary contact for external auditors and regulatory agencies, produce reports using AS400 query for review of credit quality, data integrity, portfolio trends and various other management requested reports, work with loan officers to reduce past dues using loan focus reports… Show more Manage the Loan Review/Credit Department and Internal Audit Dept for a $350 mill 16 branch Commercial Bank. Duties include Loan review, Credit Analysis for larger loans, Allocation for Loan Loss Reserves Report, primary contact for external auditors and regulatory agencies, produce reports using AS400 query for review of credit quality, data integrity, portfolio trends and various other management requested reports, work with loan officers to reduce past dues using loan focus reports, manage collection department to help, update and maintain loan policy manual. Show less



Pioneer Bank

• United States
• Banking
• 100 - 200 Employee

• AVP/Quality Assurance Manager

  • Mar 1998 - Dec 1999

  Manage Loan Review and Internal Audit Dept. for $300 mill 8 Branch Savings Bank. Primary task is the review of banks Commercial/Ag/Real Estate/Consumer/Dealer loan portfolios. Oversee and manage Internal Audit. Developed new risk based review and audit program as requested by Board of Directors. Member of Classification of Assets Committee (preparing Quarterly Classifications report), Audit/Compliance Committee (Reporting quarterly to the Board Audit Committee), DP Steering Committee, Y2K… Show more Manage Loan Review and Internal Audit Dept. for $300 mill 8 Branch Savings Bank. Primary task is the review of banks Commercial/Ag/Real Estate/Consumer/Dealer loan portfolios. Oversee and manage Internal Audit. Developed new risk based review and audit program as requested by Board of Directors. Member of Classification of Assets Committee (preparing Quarterly Classifications report), Audit/Compliance Committee (Reporting quarterly to the Board Audit Committee), DP Steering Committee, Y2K Committee, Loan Review Committee. Show less



Washington Trust Bank

• United States
• Banking
• 700 & Above Employee

• Business Banking Officer

  • Dec 1996 - Mar 1998

  Commercial loan officer teamed together with another officer, in charge of $25mill portfolio. Develop and manage N Idaho construction loan portfolio, Develop new business clients, Approve and manage commercial SBA, term, and business lines of credit.

• Operations Manager

  • Jun 1993 - Dec 1996

  Supervise staff of 9. Job duties include; Operations Manager, Consumer/Real-estate/Small Business Loan Officer, Security Officer, branch loan audit for compliance and documentation issues. As of 12-30-96 Deposits of $17 mill, Loans of $20 mill.

• Loan Review Supervisor

  • May 1992 - Jun 1993

  Coeur d'Alene, ID Responsible for review of all loan files for compliance, documentation and servicing issues. Helped bank develop policy for loan review and servicing. One branch bank with deposits of $74 mill and loans $43 mill.



PACIFIC FIRST BANK

• Branch Manager

  • Jul 1990 - Aug 1991

  Managed a staff of 6 with a deposit base of $10 mill. Directed branch through two computer conversions and the consolidation of two branch sites. Duties included budgeting, sales production, staff development, and Consumer/RE Loan Officer.

• Assistant Manager

  • Feb 1990 - Jul 1990

  Responsible for the supervision of branch operations and lending. Staff of 8. Brought in to help establish team after heavy staff turnover.

• Personal Banking Officer

  • Jun 1989 - Feb 1990

  Transferred in to help improve dealer and direct loan production.

• Personal Banking Representative

  • Oct 1981 - Jun 1989

  Operations Supervisor, New Accounts, and Consumer and Real Estate Loan Officer.

• Loan Service-Collector-

  • Nov 1980 - Oct 1981

  Spokane Valley Branch Spokane, WA. Servicing real estate loans for insurance, taxes, and delinquent loan collections.