Experience

CARVER FINANCIAL CORPORATION

• United States
• Banking
• 1 - 100 Employee

• Chief Credit Officer -EVP

  • Jul 2022 - Present

  United States



Alamerica Bank - Member FDIC

• United States
• Banking
• 1 - 100 Employee

• Senior Lender

  • Apr 2018 - Present

  Birmingham, Alabama Area Alamerica Bank is a state-chartered minority-owned financial institution located in downtown Birmingham AL. I am an executive officer for the bank and also serve on the bank’s board of directors. My duties at the bank have included being the bank’s senior lender, performing all the credit underwriting, selling real estate owned by the bank, creating and presenting financial reports, working with the CFO in determining the ALLL reserve requirements on an ongoing basis.… Show more Alamerica Bank is a state-chartered minority-owned financial institution located in downtown Birmingham AL. I am an executive officer for the bank and also serve on the bank’s board of directors. My duties at the bank have included being the bank’s senior lender, performing all the credit underwriting, selling real estate owned by the bank, creating and presenting financial reports, working with the CFO in determining the ALLL reserve requirements on an ongoing basis. Meeting with the bank’s existing customers and other community leaders to help create wealth through the lending and depository process I have also met with regulators from the state banking department and FDIC to discuss with them findings within the exams scheduled for the bank. I’ve taken a lead role in any due diligence the bank goes through in any possible M&A activity. As a director I’ve been involved in setting the budget for the next year based upon forecasting and historical costs. I’ve been involved in determining decisions that effect the future of the bank in terms of strategy moving forward. I’ve participated in and/or led discussions in financial, operational, compliance, IT, credit, and marketing decisions for the bank.

• Interim Chief Executive Officer

  • Dec 2020 - Jul 2022

  Birmingham, Alabama, United States



Pate Holdings

• United States
• Leasing Non-residential Real Estate
• 1 - 100 Employee

• EVP- Risk Officer

  • Mar 2017 - Mar 2018

  Tuscaloosa, Alabama Duties include risk analysis of all investments; including real estate and capital investment in entrepreneurial opportunities. Evaluate leases, perform pro forma debt service, cash flow, and financial analysis on a wide variety of investments. Evaluate tax assessment on commercial and residential properties and present to several county’s board of equalization. Participate in the sale of real estate from a negotiation aspect. Put together a successful auction for the sale of… Show more Duties include risk analysis of all investments; including real estate and capital investment in entrepreneurial opportunities. Evaluate leases, perform pro forma debt service, cash flow, and financial analysis on a wide variety of investments. Evaluate tax assessment on commercial and residential properties and present to several county’s board of equalization. Participate in the sale of real estate from a negotiation aspect. Put together a successful auction for the sale of residential lots. Took the lead role in helping to form a conservation easement which will lead to significant tax savings in perpetuity. Pate Holdings is a privately owned real estate development and investment company. Our footprint stretches across the Southeast and beyond with a large selection of prime development land for future projects. Our main focus is built-to-suit multiple single tenant property developments. Show less



First US Bank

• Banking
• 1 - 100 Employee

• VP - Portfolio Manager Commercial Lending

  • Sep 2012 - Mar 2017

  Calera, AL and Birmingham, AL Provided commercial loan officers with objective analysis of current and prospective borrowers’ financial condition. Prepared presentations for management and committee review. Additional key responsibilities included supporting relationship managers with portfolios that had varying degrees of difficulty. Duties included commercial credit underwriting for CRE and C&I lending, credit monitoring, risk rating analysis, appraisal review, exception clearing, and day to day management of the… Show more Provided commercial loan officers with objective analysis of current and prospective borrowers’ financial condition. Prepared presentations for management and committee review. Additional key responsibilities included supporting relationship managers with portfolios that had varying degrees of difficulty. Duties included commercial credit underwriting for CRE and C&I lending, credit monitoring, risk rating analysis, appraisal review, exception clearing, and day to day management of the portfolio including documentation perfection, loan maturity reporting, past due reporting, and direct contact with the banking customer to ensure customer service is satisfactory.

• Vice President Special Assets

  • Sep 2012 - Feb 2017

  Calera, Alabama I was responsible for reducing losses to the bank’s problem loan portfolio on a daily basis. Portfolio included the largest problem loans in the bank which ranged in size from $750k to $15.5 million; located throughout the bank’s entire footprint. I would continually meet with borrowers, attorneys, and appraisers to determine next course of action; and then report findings and implement strategies to effectively accomplish goals. Overall I reduced the portfolio of problem assets from $70.0… Show more I was responsible for reducing losses to the bank’s problem loan portfolio on a daily basis. Portfolio included the largest problem loans in the bank which ranged in size from $750k to $15.5 million; located throughout the bank’s entire footprint. I would continually meet with borrowers, attorneys, and appraisers to determine next course of action; and then report findings and implement strategies to effectively accomplish goals. Overall I reduced the portfolio of problem assets from $70.0 million to $12.6 million in 3 years; while bank maintained profitability in each quarter. Other duties while at FUSB have at one time or another included: a. Appraisal review and analysis for all commercial loans the bank orders b. Site inspections for commercial lending c. Monitoring of construction loans for % of completion and draws upon the loans d. Oil and Gas Lease deals and contract term negotiator for the bank e. Reporting upon lawsuits ongoing- for and against the bank - to the banks board of trustees f. Financial analysis and Cash Flow analysis of a number of different entities and businesses in order to: assess the value of building; to understand a borrowers ability to repay a loan; to assessing the need to reserve against a loan based upon updated regulations by the FDIC. g. Meet with regulators to discuss and/or defend proper risk ratings for loans throughout the portfolio for commercial loans at the bank h. Monthly reporting on assessment of impairment needed for all problem loans with balances above $250k, and continual updating of management the strategy to reduce the risk associated with (and the loss associated with) each loan within the SAD portfolio. i. attend court hearings regarding several different types of litigation with respect to the SAD portfolio j. continuing education with respect to regulation changes and other industry standards k. continual monitoring of real estate taxes, insurance (flood/wind/fire) needs, for al CRE within the portfolio



IBERIABANK

• United States
• Banking
• 700 & Above Employee

• Vice President - Business Credit Services

  • Apr 2010 - May 2012

  Birmingham Alabama, and Jupiter Florida Vice President, Business Credit Services/SAD I managed a portfolio of 100+ problem loans with a legal balance exceeding $100.0 million that Iberiabank had assumed from failed banks assigned by the FDIC, primarily in SE Florida. Loans were secured by commercial real estate, equipment, inventory, and A/R. I was responsible for developing strategies for each loan, and implementing these strategies so that Iberiabank would incur the least loss possible. Implementation of these strategies… Show more Vice President, Business Credit Services/SAD I managed a portfolio of 100+ problem loans with a legal balance exceeding $100.0 million that Iberiabank had assumed from failed banks assigned by the FDIC, primarily in SE Florida. Loans were secured by commercial real estate, equipment, inventory, and A/R. I was responsible for developing strategies for each loan, and implementing these strategies so that Iberiabank would incur the least loss possible. Implementation of these strategies meant; traveling to view the collateral, meeting with borrowers, and appearing in court and mediation as an associate of and for the bank. I reported on progress through weekly discussions with management. Loans ranged in size from $500k to $20.0 million. Show less



Regions Financial Corporation

• Vice President

  • Jan 2008 - Mar 2010

  Birmingham, Alabama Area Vice President, Special Assets I managed a portfolio of 60-120 problem loan relationships ranging in size from $100k to $5.0 million. The collateral securing the loans included both C&I and Real Estate. My duties included the negotiation, restructuring, forbearing, foreclosure, bankruptcy proceedings, and the short selling of assets; all based upon the best return/least loss available to the bank. I worked closely with attorneys. I was also responsible for the risk rating, appraisals… Show more Vice President, Special Assets I managed a portfolio of 60-120 problem loan relationships ranging in size from $100k to $5.0 million. The collateral securing the loans included both C&I and Real Estate. My duties included the negotiation, restructuring, forbearing, foreclosure, bankruptcy proceedings, and the short selling of assets; all based upon the best return/least loss available to the bank. I worked closely with attorneys. I was also responsible for the risk rating, appraisals, taxes, deficiency balances, and determining when a loan would need to be charged down or go non-accrual. Show less



First Commercial Bank

• United States
• Banking
• 1 - 100 Employee

• Loan Review Officer

  • Aug 2006 - Jan 2008

  Birmingham, Alabama Area Loan Review, Officer I prepared reports for senior management which included all loan relationships ranging from $100k to $30.0 million in size. My responsibilities included ensuring that collateral was perfected, that the loan was properly risk rated, and that loan covenants were kept. Risk rating analysis took into consideration cash flow, collateral coverage, and guarantor strength of the borrower.



BBVA

• Spain
• Banking
• 1 - 100 Employee

• Senior Credit Analyst

  • Sep 2003 - Aug 2006

  Birmingham, Alabama Area Senior Credit Analyst I analyzed financial statements to assess a company’s profitability, liquidity, capitalization, and debt service ability with respect to an existing or proposed credit relationship. With this information I produced written credit analyses on both publicly and privately held companies as part of the loan underwriting process to assist loan administrators and credit committee in their decision-making process.



Edward Jones

• United States
• Financial Services
• 700 & Above Employee

• Relationship Manager

  • Dec 2001 - Jul 2003

  Birmingham, Alabama Area Stock Broker/Relationship Manager Series 7 and 63 licensed. I sold investment vehicles (stocks, bonds, mutual funds) to individuals so that they could meet their long-term goals. Daily activities included meeting with clients and discussing their risk tolerance, and their goals for the long term. Then introducing them to strategic plans that coincided with both of these variables. Placed trades for clients, and ultimatley built relationships with them over time.