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Cathy Austin profile image

Cathy Austin

Assistant Vice President at Directed Capital
Intro Book
Seasoned banking executive with 30+ years of experience in commercial lending and portfolio management.
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Location
St Petersburg, Florida, United States, US
Skills
  • Commercial Lending
  • Banking
  • Credit
  • Loans
  • Commercial Banking
  • Show all
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Bio

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Cathy Austin is a seasoned banking professional with 30+ years of experience in commercial lending, portfolio management, and credit administration. She has held various leadership positions at top banks, including Assistant Vice President at Directed Capital Resources and Vice President Commercial Lending/Loan Administration at Freedom Bank of America.

Experience

  • Directed Capital
    • Assistant Vice President

  • Directed Capital Resources
    • Assistant Vice President
      • May 2011 - Present

  • FREEDOM BANK OF AMERICA
    • Vice President Commercial Lending/Loan Administration
      • Jan 2005 - Feb 2011

      Coordinate loan approval packages; prepare loan documentation and close commercial business loans, commercial real estate loans, commercial construction loans, condominium association loans and all related renewals and modificationsPerform commercial and residential real estate construction administrationCoordinate, prepare and process participation loan packagesPrepare and update watchlist and special asset reports for executive management Maintain bank litigation files; coordinate and confer with bank attorneys in collection efforts, special assets and foreclosures; recommend action to executive managementCoordinate OREO property salesMonitor and comply with loan covenants and track financial requirements Support commercial lenders in administrative and lending functionsConsult with bank counsel regarding attorney prepared documentsCreate and update loan policy/procedures manualProficiency in Laser Pro, Excel, Word

    • Vice President
      • 2005 - Feb 2011

  • BB& T
    • Loan Administration Officer
      • Aug 2003 - Dec 2004

      Support commercial lenders in administrative and lending functionsCoordinate loan application packages and prepare loan documents, close commercial loans with concentration of commercial real estate and A&D loansConsult with bank counsel regarding attorney prepared documentsSupervise administration of all consumer, residential and commercial loan functions (continued)Supervise and train loan administrators in all aspects of loan processing and compliance with Bank policies and regulationsSupervise commercial construction loan administration Oversee compilation and preparation of monthly management reports and board reportsCoordinate consumer condominium association loans productionCoordinate internal and external audits and examinationsCoordinate HMDA annual reporting

  • Mercantile Bank
    • Administrative Assistant Supervisor
      • Aug 1997 - Aug 2003

      Supervise Administrative AssistantsCoordinate loan approval packages, prepare loan documentation and close commercial credits, commercial real estate credits and A&D loansPerform commercial real estate construction administrationCoordinate, prepare and process participation loan packagesCollect financial data and prepare annual reviews on commercial creditsProvide customer service supportPrepare watchlist credits for management approvalMonitor and collect past due commercial accountsMaintain bank litigation files and coordinate collection process with bank attorneysCoordinate quarterly external auditPrepare executive management reports and various exposure reports

  • NORWEST BANK
    • Banking Assistant Credit Administration
      • Mar 1996 - Jul 1997

  • FARMERS NATIONAL BANK OF CANFIELD
    • Compliance Assistant
      • Mar 1993 - Jun 1995

  • First National Bank
    • Loan Operations Manager
      • Feb 1990 - Jun 1992

  • BW INDUSTRIAL CREDIT UNION
    • Assistant General Manager
      • Jan 1982 - Aug 1989

  • ELYRIA SAVINGS AND TRUST NATIONAL BANK
    • Assistant Manager
      • Jun 1967 - Dec 1981

Education

  • Graduate American Institute of Banking
  • Graduate Installment Lending School, Kent University
  • Ohio Credit Union Management School, Ohio State University

Suggested Services

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Industry Focus. “Banking”

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