Experience

BB&T

• United States
• Financial Services
• 700 & Above Employee

• Portfolio Manager, SVP

  • Apr 2021 - Present

• Credit Team Leader - SVP

  • Sep 2020 - Apr 2021

  • Credit risk champion and primary administrator for the Northern Georgia region• Serves as a liaison for commercial credit with the Regional Leadership regarding underwriting and portfolio management performance• Leads and coaches a team of portfolio managers in the C&I, NFP and Middle Market spaces for relationships with exposure > $5MM• Sample work performed by direct reports to ensure accuracy of information and compliance with policies and processes• Consults with RM’s and PM’s on risk appetite and loan structuring for new loan requests• Provide oversight of delinquency in the portfolio• Delegate work, set schedules, level load, and advise PM’s in the more complex phases of their work• Evaluates and make recommendations for assigned personnel regarding employment, training (initial and ongoing), performance rating, salary changes, promotions, transfers, terminations, career enhancement and staffing



BB&T, now Truist

• Commercial Portfolio Manager Team Leader - SVP

  • Apr 2017 - Sep 2020

  • Provided coaching, counseling and timely feedback to direct reports • Reviewed and documented work performed by PM team to confirm accuracy of information and compliance with policies and processes• Evaluated and recommended performance ratings, salary changes, and promotions of direct reports• Delegated work, level load and advised PM team in the more complex phases of their work • Provided support to Commercial Credit Leader to aid in the success of the region• Coordinated and lead weekly CSU meetings• Mentored junior PM’s• Underwrote and structured new loans, renewals and modifications for C&I, CRE, SFR, and Middle Market clients• Accompanied RM’s on client calls• Completed annual Risk Assessments• Analyzed and monitored client financial covenants• Monitored timely receipt of financial statements• Assisted in closing process with Commercial Fulfillment • Reviewed financial statements for sales opportunities to ensure commercial banking relationships are fully developed



BB&T

• United States
• Financial Services
• 700 & Above Employee

• Commerical Credit Specialist Team Leader - Vice President

  • Jan 2016 - Apr 2017

  *Participate in the relationship risk management process by completing and documenting the following:a. Preparing periodic risk rating assessments;b. Conducting timely covenant compliance review and analysis to include managing, approvals, waivers and default letters;c. Monitoring timely receipt of current and adequate financial statements d. Completing special reporting or assessments*Develop credit process and portfolio management effectiveness and continuous improvements of assigned commercial lending staff through credit leadership, including coaching and counseling, feedback and reinforcement, and support of the Bank’s sales and credit cultures*Sampling the work performed by direct reports to ensure accuracy of information and compliance with policies and processed*Evaluate and make recommendations for assigned personnel regarding employment, training, performance rating, salary changes, promotions, transfers, terminations, career enhancement and staffing.*Coordinate weekly meetings to discuss new loan requests, renewals, financial statement collection, risk rating assessments, past dues, pipeline and call preparation.*Assist in the closing process and ensure loans are booked as approved.*Support relationship managers in credit administration of commercial portfolio of the Region in order to achieve desired results of quality, profitability and growth.*Ensure commercial banking relationships are fully developed.

• Portfolio Risk Officer - Vice President

  • Jan 2013 - Dec 2015

  *Validate underwriting, policy compliance and risk assessments on commercial credit requests > $2MM *Manage data integrity of risk grading information *Verify appropriate risk has been assessed on commercial credit packages*Prepare annual loan review packages on relationships > $2MM*Inspect credit files to ensure adherence to bank policy*Track and measure covenant compliance on commercial relationships

• Commercial Portfolio Manager - Vice President

  • Aug 2009 - Jan 2013

  Support regional credit teams and commerical relationship managers by providing objectivity and a risk management focus. Duties include: Underwriting and verification of risk-assessment analysis on credit request packages to be submitted for co-approval or approved by Relationship Manager. Supporting the credit officers in the administration of the business portfolio of the Region in order to achieve the desired results of quality, profitability and growth. Preparing complete and accurate annual loan review packages for relationships over $1MM. Inspecting credit files and loan systems information to ensure accuracy and data integrity. Work closely with Business Service Assistants to ensure all client-related documentation and administrative issues are resolved.

• Business Services Officer

  • Sep 2005 - Aug 2009



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Financial Specialist and Financial Center Leader

  • Jan 1989 - Sep 2005