Experience

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  Smart Financial Credit Union

  • Houston, Texas, United States

  • Chief Credit Officer

    • Sep 2021 - Present
    • Houston, Texas, United States

    Member of the Executive Leadership Team responsible for the oversight and administration of Smart Financial's consumer, residential and commercial loan portfolio.

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  Security Service Federal Credit Union

  • San Antonio, TX

  • SVP - Department Head/ Chief Commercial Credit Officer, Commercial Services

    • Jan 2015 - Apr 2021
    • San Antonio, TX

    As part of the Senior Management team of one of the nation’s top 10 credit unions, with $9.8 Billion in assets, was responsible for the effective operation of the Commercial Services line of business across the credit union footprint of Texas, Colorado, and Utah. As SVP – Department Head, held the joint role of Production Manager as well as that of Chief Commercial Credit Officer balancing successful controlled growth with a conservative risk appetite and strong regulatory compliance. Served as liaison between the department and other functional areas of the credit union. Tasked with development, recommendation, and implementation of specific programs for a sustainable business model for loan and deposit production, credit policy, risk management and regulatory compliance to support commercial and small business lending and corresponding products and services. Established and maintained successful commercial relationships and built and monitored a high-quality loan and deposit portfolio with strong profitability and limited loss events. Key contributor in development and implementation of corporate strategy in commercial services. Direct lending authority up to $7.5MM.

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  TD Bank

  • Central Florida

  • Market President

    • May 2010 - Mar 2014
    • Central Florida

    Promoted to Market President with direct responsibility for new TD Bank expansion market in Central Florida. Oversight of all Balance Sheet and P&L aspects of middle market/commercial/small business and commercial real estate activities spanning coast to coast from Tampa to Melbourne along I-4 corridor including Orlando. Shared responsibility for 65 store network with $2Billion in retail deposits in partnership with SVP Retail and acted as conduit for delivery of multiple business line products to the geography. Management of 7 direct reports, 24 lending personnel and 10 support staff. Lending authority.

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  Commerce Bank/TD Bank

  • Union County/East Essex County, New Jersey

  • Regional Vice President

    • Jan 2004 - May 2010
    • Union County/East Essex County, New Jersey

    Responsible for all retail and commercial/small business activities, including government as Senior Officer/Team Leader and individual producer with direct oversight of 25 store network and 8 person lending team. Lending authority.

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  First Union/Wachovia

  • Central/Northern New Jersey

  • Senior Relationship Manager

    • May 1997 - Jan 2004
    • Central/Northern New Jersey

    Developed team and individual strategies for new business development, maintaining and growing both borrowing and non-borrowing commercial portfolio (sales size of companies $10MM-$250MM) as trusted advisor.

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  The Chase Manhattan Bank, N.A.

  • Greater New York City Area

  • Relationship Manager/Credit Officer - Vice President

    • Jul 1994 - May 1997
    • Greater New York City Area

    Responsible for business development, maintaining and growing commercial relationships (sales size of companies $50MM - $1BN) through well developed underwriting/credit skills coupled with strong sales skill sets.