Experience

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  Bank of Oak Ridge

  • United States
  • Banking
  • 1 - 100 Employee

  • MBA - Credit Manager, Vice President

    • Nov 2022 - Present

  • Senior Credit Analyst, Assistant Vice President

    • Oct 2011 - Present

    * Exercising individual loan authority by underwriting, reviewing, and approving loans consisting of commercial real estate, C&I, construction and SBA facilities, within approval authority.* Serves as voting member and organizer of the bank's Internal Loan Committee, voting on complex loan relationships.* Serves as Subject Matter Expert and Administrator in the development and testing of the bank's Commercial Loan Origination platform, Credit Quest. Formerly team lead and administrator for Sageworks financial spreading software.* Responsible for the development of Credit Risk Reports, using CRM/BI and Access, managing the risk grading of relationships, presented to the board on a quarterly basis.* Manage annual reviews and monthly renewal processes* Responsible for the monthly presentation of the loan committee package and the development of the reports and graphs to include: Delinquency Analysis, Non-Performing Ratios, Monthly Loan Production, Portfolio Analysis, Loan Concentrations, Commercial Pipeline, Commercial Real Estate, High LTV, Watch List Tracking, Loan Charge Offs, Loan Document Exceptions* Responsible for the management of the ALLL model for the bank and the development of the supporting reports* Responsible for the development of the bank's CECL model* Manage and monitor impaired loans* Process and assist the bank's attorney's with foreclosures and/or bankruptcy liquidations* Development of templates for construction loan projects and facilitation of progress inspection reporting* Responsible for the development of requested documents for examiners, auditors, and other outside agents reviewing the loan portfolio* Responsible for the creation of processes and the management of FHLB reporting* Responsible for the review of appraisals to ensure alignment with the proposed debt structure* Manage the bank's loan policy and present potential updates and/or changes to the board

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  Nyleve Bridge Corp

  • Accountant

    • Apr 2000 - Jul 2010

    * Responsible for the preparation of semi-annual and annual corporate financial statements, inclusive of tax preparation that supported a multi-million dollar company with several divisions.* Management of the following office responsibilities: > Accounts Payable/Receivable > Union Payroll > Bank Reconciliations > General Ledger Entries > Monthly Audit of Trial Balances > Job Costing > Monthly inter-company transactions with four entities

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  Wal*Mart Sam's Club

  • Bentonville, Arkansas & South America

  • Inventory Specialist

    • 1993 - 1999
    • Bentonville, Arkansas & South America

    * Serves as Inventory Specialist for snacks / breads / pastries - Sam's Club* Ex-Patriated to Argentina for two years in support of Wal*Mart expansion in Brazil and Argentina* Responsible for establishing operational guidelines and procedures in addition to the training of Inventory Specialists of Sam's Clubs in Argentina and Brazil* Opened four Sam's Clubs in Argentina and two in Brazil* Managed two direct reports and eight indirect reports