Experience

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  FSGBank

  • Chattanooga, Tennessee

  • SVP, Commercial Credit Officer

    • Aug 2011 - Present
    • Chattanooga, Tennessee

    Managed Commercial Credit Underwriting and approval function of corporate credit along with Special Asset/Loan Workout Department and Appraisal Review Process. the adequacy of the allowance for loan and lease losses (ALLL).

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  First Commonwealth Bank

  • United States
  • Banking
  • 700 & Above Employee

  • SVP, Business Banking Credit Services Manager

    • Feb 2010 - May 2011

    Manages the Business Banking (Small Business) Credit Services Department which is a centralized department that underwrites, approves, and manages loan relationships with Loan Authority of $1.5 million. Supervised and managed a portfolio of $500 million with 22 employees in Underwriting, Portfolio Management, and Operations. Establish and update the SBA Underwriting Department 2011 Strategic Plan is to grow the Business Banking Portfolio by 5% Review, revises and implement new Business Banking and SBA Policies and Procedures Manages the upgrade in Experian/Baker Hill scoring software in addition to adding portfolio risk management software.

  • SVP, Senior Credit Officer

    • Oct 2007 - Oct 2010

    Manages Commercial Credit Underwriting and approval function of corporate credit along with Special Asset/Loan Workout Department and the Appraisal Review Process. Also responsible for the assessment of the adequacy of the allowance for loan and lease losses (ALLL) Upgraded and instituted consistency in the risk rating process of the loan portfolio Review, Revise, and Implement (since 2003) all Commercial Loan Policies and Procedures Elevated to Chairman of the Credit Risk Committee Selected for Executive Liaison for the Credit Committee of the Board Of Directors

  • VP, Loan Review Officer

    • Oct 2006 - Oct 2007

    Manages the Loan Review function of the holding company mainly reviewing the underwriting, risk rating, approval and servicing processes of the commercial loan portfolio of First Commonwealth Bank. Conducted loan reviews on the more complex credit relationships, coached 4 loan review analysts, and conducted quarterly summary reviews for the Audit Committee of the Board Of Directors. Upgraded the annual loan review scope and instituted reviews based on products and industries Completed special projects and investigations Advisory member to several Bank and Holding Company Committees Established open lines of communication with the Chief Lending Officer to improve procedures and processes

• 

  Advantage Bank

  • VP, Credit Manager

    • Jul 2005 - Oct 2006

    Managed the commercial underwriting and approval process through to the closing of commercial loans. Responsible for 4 credit analysts and 2 documentation specialists. Performs various tasks and committee memberships to set-up a more extensive commercial lending system. Instituted a Credit Underwriting Presentation template Reviewed and updated commercial underwriting procedures consistent with the new and growing Commercial Credit Department Coordinated and led the Experian/Baker Hill project to successfully upgrade and improve the use of Baker Hill One Point Software: STAN and Bank 2 Business Institute a Small Business Program, Bank 2 Business, in conjunction with the formation of small business products in several different markets and the development of Small Business Underwriting Policy and Procedures Coordinate an internal, annual loan review system

• 

  Sky Bank (now part of Huntington Bank)

  • VP, Credit Manager

    • 2001 - 2005

    Managed $8 million credit administration department budget and held responsibility for tasks and performance of 56 credit analysts. Performed acquisition reviews. Coordinated the internal loan review function completed by Crowe Chizek; worked directly with Crowe Chizek on all reviews. Served as a voting member of the Officer Loan Committee. Consolidated eight regional credit underwriting areas into one unit. Established written credit underwriting focus, procedures, and new policies consistent with a growing, regional bank’s needs Developed a credit administration reporting area to produce uniform regional and corporate reporting for commercial credit and asset quality reviews. Corporate delivery channel allowed access to reports corporate wide 24-7 Coordinated and led the Experian/Baker Hill project to successfully upgrade and improve the use of Experian/Baker Hill One Point Software: REACT, STAN, and PRICE Coordinated the loan and asset review area when completing the due diligence on an acquisition targeted institution. Due in part to acquisition, the bank grew from $7 billion to $15 billion Managed the asset quality review during Federal/State regulatory safety and soundness examination.

• 

  Charter One Bank (Now part of Citizens Bank)

  • VP, Internal Asset Review Manager

    • 1998 - 2001

    Led commercial/corporate servicing department. The bank’s commercial real estate portfolio was nationwide, reviewing properties in excess of $1 million. Managed the asset review area in the due diligence function. Held responsibility for researching, analyzing, and resolving servicing problems, and designing monitoring systems. Supported review of new lending programs, packaged loan sales, and distressed loan sales. Supervised, trained, and evaluated work products of 18 asset review analysts. Reviews consisted of relationships from $1 million to $125 million. Held responsibility for compiling information to analyze data and internal asset classification to the internal asset review board. Prepared credit risk committee reports concerning the commercial real estate, corporate banking, and leasing portfolios. Development and maintained the in-house commercial real estate inspection program Performed six acquisitions, which helped the bank grow from $19 million to $47 billion in asset size Developed all bank policies and procedures for the internal asset review functions Worked directly with the workout and collection function concerning structuring of problem credits

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  State of Ohio Department of Commerce

  • Financial Institution Examiner

    • 1997 - 1998

• 

  FDIC

  • Bank Examiner

    • 1989 - 1997