Experience

The StoneHill Group, Inc.

• United States
• Financial Services
• 1 - 100 Employee

• Due Diligence Underwriter

  • May 2021 - Present



AVB Bank

• United States
• Banking
• 1 - 100 Employee

• Credit Analyst

  • Dec 2018 - Sep 2020

  In my most recent position, I managed all underwriting and analysis for credit request for operating lines, term loans, and equipment financing over $500M. I reviewed credit approvals for accurate financial information and proposed loan structures. My role also included supporting five portfolio managers within the branch location. I performed loan reviews of large credit exposures to review financial trends based on economic and industry trends. I monitored borrowing bases in a timely manner and ensured all annual reviews were completed by scheduled deadlines. A few key highlights while in this role include: ♦ Handled all residential construction and development loan requests including lines of credit up to $2MM and advancing term loans. ♦ Mentored a Junior Analysts in explaining underwriting guidelines, utilizing company software and programs, and reviewed credit write-ups. ♦ Processed numerous loan modifications and PPP loan requests during the Covid-19 pandemic. Provided sound financial advice to portfolio managers in assisting customers during tough financial times to minimize the impact to the customer's business and losses to the company.



Equity Bank

• United States
• Banking
• 700 & Above Employee

• Senior Credit Analyst

  • Feb 2015 - Dec 2018

  In this position, I served as the Lead Commercial Analyst supporting a team of three relationship managers across Kansas, Oklahoma Arkansas, and Missouri. I focused in analyzing and underwriting loan requests for investor and developer properties, commercial and residential construction, oil and gas, and lines of credits. I reviewed and monitored over $150MM in commercial loan exposure for the bank. My role also included training and mentoring team members on company policies and procedures. Additionally, I monitored all third-party vendor inspections, loan advancements, and construction draws. A few key highlights while in this role included: ♦ Member of the project team with regards to mergers and acquisitions of the company. Provided the financial disclosures to the SEC, along with working directly with the CFO to present the lending exposure of the bank to key decision makers. ♦ Instrumental in underwriting a $10M multi-tenant commercial real estate project that included a construction and permanent financing request. Analyzed all financials, reviewed all draw requests, order inspections, and monitored the project budget to minimize overages through the process. ♦ Oversaw the analyzing and underwriting for a $16M project for a manufacturing company in the area. Included expanding the operations of the business, along with buying out other partners in the company.



Central National Bank

• Tulsa, Oklahoma, United States

• Credit Analyst Officer

  • Jul 2010 - Feb 2015

  In this role, I specialized in underwriting commercial loans and offering underwriting support to four portfolio managers and over $100MM in loan balances. I compiled and analyzed both Borrower and Guarantor financials to make sound lending decisions. I reviewed loan requests and structure to minimize risk to the bank and borrower. Additionally, I monitored economic and market trends to anticipate industry changes and prevent losses. A key highlight while in this role included: ♦ Served as the primary underwriter specializing in Government Guaranteed Loan Products based on extensive understanding with SBA underwriting requirements and guidelines.



First National Bank of Muskogee

• Commercial Loan Officer

  • Aug 2008 - Jul 2010