Experience

American Bank, N.A.

• United States
• Banking
• 1 - 100 Employee

• Vice President - Commercial Credit

  • Jul 2019 - Present

  *Manage the bank's commercial loan portfolio. *Assist in overseeing the bank's commercial loan policies and procedures. *Prepare detailed credit packages to be presented to loan committee for credit approval, to include financial statement analysis, collateral analysis, guarantor analysis, industry data analysis, cash flow and debt service calculation, covenant analysis, and risk grading analysis. * Track and spread financial statements and tax returns, for both corporate borrowers and individual guarantors, using analytical software. * Analyze historical and projected financial performance of existing and new borrowers by analyzing balance sheet and income statement trends. * Review borrowing base certificates and AR Aging reports when submitted by borrower. * Process renewals with detailed financial analysis for existing borrowers. * Prepare annual reviews for larger relationships in the bank’s portfolio. Show less



Texas Bank and Trust

• United States
• Banking
• 100 - 200 Employee

• Vice President - Commercial Credit

  • Mar 2017 - Dec 2018

  * Prepare detailed credit packages to be presented to loan committee for credit approval, which includes financial statement analysis, collateral analysis, guarantor analysis, industry data analysis, cash flow and debt service calculation, covenant analysis, and risk grading analysis. * Track and spread financial statements and tax returns, for both corporate borrowers and individual guarantors, using analytical software. * Analyze historical and projected financial performance of existing and new borrowers by analyzing balance sheet and income statement trends * Review borrowing base certificates and AR Aging reports when submitted by borrower. * Process renewals with detailed financial analysis for existing borrowers. * Prepare annual reviews for larger relationships in the bank’s portfolio. Show less



Happy State Bank

• United States
• Banking
• 300 - 400 Employee

• AVP, Senior Credit Analyst

  • May 2015 - Feb 2017

  * Underwrite credit requests for new and existing borrowers which include CRE, C&I and ABL loan requests to be presented to loan committee for approval. * Underwrite SBA requests when needed for prospective borrowers. * Analyze historical financial performance of new and existing borrowers by analyzing financial statement trends of the borrower. * Prepare annual review packages for larger relationships in the bank's portfolio. * Compile detailed packages to be presented to loan committee for credit approval, to include financial statement analysis on both borrower and guarantor(s), collateral analysis, industry analysis, cash flow and debt service analysis, covenant analysis, and risk grading analysis. Show less



Green Bank

• United States
• Banking
• 1 - 100 Employee

• AVP, Credit Underwriting Officer

  • Jan 2013 - May 2015

  * Underwrite credit requests with detailed credit packages to be presented for approval. Packages include financial statement analysis on both borrower and guarantor(s), collateral analysis, industry analysis, cash flow and debt service analysis, covenant analysis, and risk grading analysis * Analyze industry data information to be included in credit packages being presented for approval. * Analyze borrowing base and AR aging reports. * Analyze real estate market data. * Underwrite credit requests with detailed credit packages to be presented for approval. Packages include financial statement analysis on both borrower and guarantor(s), collateral analysis, industry analysis, cash flow and debt service analysis, covenant analysis, and risk grading analysis * Analyze industry data information to be included in credit packages being presented for approval. * Analyze borrowing base and AR aging reports. * Analyze real estate market data.



Southwest Securities, FSB

• Dallas, Texas

• Credit Analyst

  • Jun 2011 - Jan 2013

  * Underwrite credit request with detailed credit packages to include financial statement analysis on both borrower and guarantor(s), collateral analysis, industry analysis, cash flow and debt service analysis, covenant analysis, and risk grading analysis, to be presented to committee for approval. * Analyze historical financial data including cash flow and tax returns to deduce credit decision. * Forecast financial performance for current and prospective borrowers by analyzing balance sheet and income statement trends * Calculate covenants and prepare covenant analysis for credit packages. * Prepare quarterly file updates on current borrowers for Bank lenders. Show less



First Federal Community Bank, SSB

• United States
• Banking
• 1 - 100 Employee

• Credit Analyst

  • Sep 2007 - May 2010

  * Track and spread financials provided by borrower using internet-based analytics program. * Prepare and finalize credit analysis for customers, including explanations of anomalies. * Prepare and finalize loan credit presentation for Loan Committee approval. * Prepare Criticized Asset Reports and other information for Bank CLO.

• Insurance Clerk

  • May 2003 - Jan 2008

  * Track mortgage and installment loan insurance with weekly reporting requirements. * Disburse insurance premiums from escrow accounts. * Prepare and post general ledger and journal entries. * Discuss insurance issues with both bank customers and loan officers.

• Teller

  • May 2003 - Sep 2004