Experience

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  CapStar Bank

  • Nashville Metropolitan Area

  • Vice President

    • Jul 2021 - Present
    • Nashville Metropolitan Area

    SBA - GGL Credit Underwriting, Problem Loan Assessment, Workout, Management and Liquidation, New Deal Selection, Vetting, Eligibility Assessment, Structure, Loan Management, New Deal Underwriting, Credit and Collection Process Enhancement, SBA loan servicing.

• 

  Ameris Bank

  • Atlanta, Georgia, United States

  • GGL Credit Portfolio Manager II

    • Nov 2020 - Jul 2021
    • Atlanta, Georgia, United States

    SBA and USDA underwriting, process improvement, underwriter training, underwriting review, deal vetting, point of contact with LSP, implementation of construction loan procedures for SBA group, working closely with credit risk management to interpret SBA eligibility and compliance

• 

  SBA Underwriting

  • Atlanta Metropolitan Area

  • Independent Consultant

    • May 2020 - Nov 2020
    • Atlanta Metropolitan Area

    SBA Underwriting, Conventional Underwriting, Problem Loan Assessment, Credit Process Consulting, Post Closing File Review, PPP loan forgiveness review

• 

  Touchmark National Bank

  • Alpharetta, GA

  • Vice President

    • Aug 2018 - May 2020
    • Alpharetta, GA

    SBA and USDA Credit Underwriting, Analysis, Structure, SBA loan eligibility assessment, meeting with customers, conventional loan underwriting - new loans and renewals, Point of contact for Moody’s and IBIS World relationships, special projects to support the Chief Credit Officer

• 

  Signature Bank of Georgia

  • Sandy Springs, GA

  • Vice President Underwriting

    • Jan 2016 - Aug 2018
    • Sandy Springs, GA

    In this position, I met with clients and worked with a deal team to determine Commercial Client financing needs and deal structure and underwrote the deal package. I worked on commercial loans for a broad base of industries in addition to SBA loans. Responsibilities also included problem loan assessment and construction loan management.

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  Synovus Financial Corporation

  • Credit Analyst, Sr.

    • Dec 2011 - Jan 2016

    Underwrote commercial loans (lines of credit) and commercial real estate loans for a broad base of industries and SBA 7a and SBA 504 loans. Typically, I worked on the more complex multiple entity loans and problem loan assessment.

• 

  Bank of America

  • Alpharetta

  • Sr. Product Delivery Underwriter, VP

    • Aug 1985 - Dec 2011
    • Alpharetta

    During my tenure at Bank of America, I worked in a variety of roles. While most of my tenure there was in the Specialty Finance Division underwriting commercial credit, I also was a Credit Manager for the Southeast Region, Operations Manager for the Southeast Region and the Documentation Manager for the Specialty Finance Division later known as Dealer Financial Services. BANK OF AMERICA - Alpharetta, GA • 1985-2011Dealer Financial Services GroupSr. Product Delivery Underwriter, Vice President • 2008 - 2011•Worked with the Client Team to develop new banking relationships and expand existing banking relationships by offering credit solutions including treasury management services and real estate financing.•Utilized strong financial statement analysis, global cash flow analysis and writing skills to insure credit packages were presented effectively to the credit approvers and risk managers resulting in fast approval turnaround.•Effectively handled all underwriting needs for a portfolio size of $250 million with relationships (mostly complex borrowers) ranging from $7 million to $75 million. •Trained and coached less experienced underwriters and analysts.•Reviewed manufacturer relationships with contingent exposures up to $75 million.•Point person for working with OCC auditors Credit Products Officer, Vice President • 2006-2008Successfully partnered with client managers to grow the assigned portfolio 20% by developing new banking relationships and growing existing customer relationships in Georgia, Florida, North Carolina, South Carolina and Tennessee. The portfolio size was $150 million with credit facilities ranging from $3 million to $10 million. Sr. Credit Products Underwriter, Vice President • 2003-2006Responsible for all underwriting needs for a $150 million portfolio with facilities ranging from $5 million to $15 million. Most of the facilities were for multiple borrowers.