Experience

Community & Southern Bank

• United States
• Banking
• 100 - 200 Employee

• SVP - Manager of Credit Services and Senior Credit Officer

  • Nov 2013 - Present

  As Manager of Credit Services general responsibilities include: all Credit Underwriting, Annual Credit Reviews, Loan Documentation, Credit Administration and Monitoring, and Portfolio Reporting and Analytics. As Manager of Credit Services general responsibilities include: all Credit Underwriting, Annual Credit Reviews, Loan Documentation, Credit Administration and Monitoring, and Portfolio Reporting and Analytics.



C1 Bank

• United States
• Banking
• 1 - 100 Employee

• Chief Credit Officer / EVP

  • May 2011 - Jan 2013

  • Oversee credit policy formulation and enforcement, credit administration/ underwriting and approval, special assets management, loan review oversight, loan operations and documentation processing, board of director reporting and special projects/ M & A activities. • Bank currently has $901 million in assets and a loan portfolio totaling $630 million and has completed 2 successful acquisitions and conversions since May 2011. • Manage a staff of 28 credit and operations professionals. • Oversee credit policy formulation and enforcement, credit administration/ underwriting and approval, special assets management, loan review oversight, loan operations and documentation processing, board of director reporting and special projects/ M & A activities. • Bank currently has $901 million in assets and a loan portfolio totaling $630 million and has completed 2 successful acquisitions and conversions since May 2011. • Manage a staff of 28 credit and operations professionals.



Regions Financial Corporation

• Senior Credit Officer / SVP

  • Aug 1998 - May 2011

  • Functioned as the Chief Credit Officer for management of all general credit activities for the West Coast area. • Supported a team of 6 commercial middle market lenders in credit approval, origination and ongoing portfolio maintenance for an area including the Gulf coast of Florida, the Tampa Bay area, east to Lakeland and South to Naples. • Focused on companies with revenues of $10-$500 million with a portfolio totaling $780 million. • Supported the Area Executive, other lines of business and Special Assets in any credit-related matters and had individual credit approval authority of $20MM.



First Commerce Corporation

• Consumer Credit Risk Manager

  • Jan 1990 - Aug 1998

  • Responsible for the formulation of consumer credit policy and the monitoring of asset quality for the holding company’s consumer portfolios including Installment, Home Equity , Student & Tuition, Indirect Automobile, Residential Mortgage, Credit Card, the Consumer Finance Company and Small Business loans totaling $3.4 billion. • Coordinated the development and monitoring of consumer scorecards and participated in the development and implementation of a behavioral scoring system. • Managed Consumer MIS and Reporting system as well as oversaw and maintained corporation’s Loan Loss Reserve model and calculation. • Attended and made Consumer Asset Quality and ALLR presentations to the Director’s Loan Committee. • Participated in the Credit Review Committee, the CRA and Compliance committee, and the Strategic Planning Team annual meeting.



San Antonio Savings Association

• Manager Commercial Credit Administration/ SVP

  • Jan 1985 - Dec 1989

  • Joined SASA (total assets – $3 billion) to establish a credit administration function for their newly created Commercial Banking Division. • Commercial Banking Division’s loan portfolio grew to $330 million and functioned as an independent unit within a holding company. • Supervised a staff of 20 and had functional responsibility for Credit Policy, Loan Review, Loan Operations, Credit Analysis and Training Program, Recovery and Collection, and credit approval as a member of the Loan Committee. • Coordinated with the Federal Home Loan Bank, Federal Deposit Insurance Corporation and the Resolution Trust Corporation in the management of the assets which were ultimately purchased by First Gibraltar FSB.



InterFirst Corporation

• Spectator Sports

• Manager Credit Review - West TX Region

  • Oct 1982 - Feb 1985

  • Initiated the ground-up development of a Loan Review Department for $1.6 billion bank. • Responsible for tracking the overall quality of the commercial loan portfolio of $900 million. • Assumed responsibility for all aspects the department’s administration, including staffing, training, budgeting, reporting, policy and procedure development and supervision of a staff of 8. • Coordinated with the Office of the Comptroller of the Currency Examiners on routine and targeted examinations, and participated in various Director and Senior Management asset quality committees.



Bank South, N.A

• Management Associate to VP

  • Sep 1978 - Oct 1982

  • Formal Management Training Program in Credit (approximately 1 year) • Commercial Lending Officer in specialty Aircraft Finance Department. • Returned to Credit Administration as an AVP and during the integration of a newly acquired bank was assigned as VP - Credit Administration Officer as bank was converted. • Formal Management Training Program in Credit (approximately 1 year) • Commercial Lending Officer in specialty Aircraft Finance Department. • Returned to Credit Administration as an AVP and during the integration of a newly acquired bank was assigned as VP - Credit Administration Officer as bank was converted.