Experience

Chambers Bank

• United States
• Banking
• 1 - 100 Employee

• Vice President, Commercial Lending

  • Aug 2023 - Present



Legacy National Bank

• United States
• Banking
• 1 - 100 Employee

• Vice President Commercial Lending

  • Jan 2020 - Oct 2023



First Security Bank

• United States
• Banking
• 500 - 600 Employee

• Loan Officer, Vice President

  • Aug 2010 - Jan 2020

• Credit Analyst

  • Aug 2010 - Jul 2014

  • Prepare residential, commercial, and vacant real estate evaluations as requested by loan officers.• Perform many types of credit analysis of current or prospective borrowers as requested. This may include debt-to-income analysis for individuals, debt service coverage analysis for commercial borrowers, and various other types of analysis as appropriate for each loan.• Create consumer and commercial loan proposals for presentation by loan officers at various approval committees, detailing the proposed loan’s terms, the borrower’s information and existing relationship with the bank, collateral valuation and loan-to-value, and any exceptions to loan policy as presented.• Create and maintain commercial credit memorandums as necessary, following the guidelines set forth in the Loan Policy, for presentation by loan officers at various approval committees.• Order real estate appraisals as requested, using the list of approved appraisers found in the loan policy.• Perform review of completed real estate appraisals, including the production of an appraisal review checklist to be forwarded to the requesting officer along with the appraisal.• Assist management with asset quality and risk management by proactively identifying problems with collateral (delinquent taxes, poor condition) and negative financial indicators such as high leverage, poor cash flow, or serious delinquency. Show less