Senior Credit Officer

• Sep 2017 - Present

Perform loan portfolio risk management duties within multiple profit centers. Discuss and recommend loan structures and problem loan workout resolutions. Review questions on title work, bankruptcies, foreclosures, loan documentation and other legal documents. Maintain, create, and enforce Loan / Credit Policy. Create and maintain a positive working relationship with federal regulators to work towards preventing and/or correcting criticisms. Voting member of Asset Quality Committee and non-voting member of Loan Committee. Member of Senior Management, ALCO, and BSA/Compliance Committee.Responsible for the ALLL calculation and methodology. Developing Bank’s CECL calculation and implementing. Streamline the commercial write ups and annual review process with a standardized format and analysis approach to include industry specific analysis. Develop and implement reports for each problem loan and other real estate owned properties to monitor, track, and analyze working out of the criticized assets. Prepare, analyze, and present the following board reports: ALLL calculations, Asset Quality Reports, Project Classified Assets, Stress Testing the loan portfolio, Semi-Annual Market & Economic Analysis, Top 20 Credits, Watch List, OREO reports, OREO income and expense report. Created real estate evaluation format and procedure used for all branches for commercial, land development, and residential properties utilizing the income approach, net present value, and sales comparable based on property type. Trained new branch managers, lenders, and credit analysts on how to prepare loan requests, annual credit relationship reviews, and problem loan reports. Show less

Commercial Loan Officer

• Jan 2017 - Sep 2017

Manage a $25MM commercial loan portfolio. Prepare loan requests, voting member of Loan Committee, collections, foreclosures, workouts, SBA loans, USDA loans, and close new loans. Manage a $25MM commercial loan portfolio. Prepare loan requests, voting member of Loan Committee, collections, foreclosures, workouts, SBA loans, USDA loans, and close new loans.

Senior Credit Officer / Lending Supervisor

• Jun 2016 - Jan 2017

Community focused commercial lender and supervisor of commercial, consumer, and mortgage products. Implement and maintain Credit Administration processes and procedures. Standardize and streamline loan processes and presentations. Maintain loan and lending compliance policies to ensure compliance with regulations. Participate with Loan Committee. Approve loans within lending limits and prepare analysis and write ups for Loan Committee. Participant in the strategic planning committee. A member of the research and implementation committee of a new los system. Provide leadership and direction to a staff of 10. Show less

Chief Operating Officer

• May 2016 - Jun 2016

Commercial Loan Documentation Manager / Credit Review Manager

• Mar 2015 - May 2016

Review/audit commercial loan documentation pre and post closing to ensure loan committee approval, loan policy, and regulations are met. Including reviewing title work, surveys, loan documents, leases, assignments, etc. Supervise a staff of three. Prepare the ALLL calculation quarterly and estimate monthly. Stress test the loan portfolio on a quarterly basis. Assist with preparation of real estate evaluations and appraisal reviews as needed. Review/audit commercial loan documentation pre and post closing to ensure loan committee approval, loan policy, and regulations are met. Including reviewing title work, surveys, loan documents, leases, assignments, etc. Supervise a staff of three. Prepare the ALLL calculation quarterly and estimate monthly. Stress test the loan portfolio on a quarterly basis. Assist with preparation of real estate evaluations and appraisal reviews as needed.

Interim Director of Small Business Operations

• Nov 2008 - Jun 2009

Effectively oversaw the operations of 8 small businesses and the Small Business Operations department by supervising, budgeting, analyzing financials, setting up businesses, and training employees in a variety of community minded businesses. Implemented weekly sales reports to track, monitor, and identify opportunities and deficiencies. Requested bids and prepared and reviewed vendor contracts forwarding to Legal for review and approval. Involved in a variety of employee relationship management functions including boosting morale, hiring, reviews, disciplinary actions, start up businesses, and discontinuing business operations. Show less

Business Development Planner

• Jul 2004 - Nov 2008

Responsible for investment opportunity research & financial analysis. Reviewed real estate and development opportunities. Participated in strategic planning & wrote business plans for investments being considered by the Corporate Commission. Developed the Grand Makwa Cinema for the Corporate Commission. Monitored the financials and operations of business investments for Corporate Commission.

Office Manager

• Aug 1999 - Oct 2001

Prepared and analyzed financial statements and monitored and maintained cash flow.• Guided, praised, and disciplined office staff. Performed 401k plan administrator duties. Trained office employees at Dondelinger stores. Performed Human Resource functions. Instructed employees on how to use the computer software. Systems Administrator duties for ADP, AS400, and PCs. Prepared and analyzed financial statements and monitored and maintained cash flow.• Guided, praised, and disciplined office staff. Performed 401k plan administrator duties. Trained office employees at Dondelinger stores. Performed Human Resource functions. Instructed employees on how to use the computer software. Systems Administrator duties for ADP, AS400, and PCs.

Associate Accountant

• Nov 1998 - Aug 1999

Promoted from sister company, A-Tek Manufacturing in November 1998. Assisted in financial statement and budget preparation. Reconciled accounts and prepared journal entries. Managed accounts receivable, performed collection duties, reconciled cash, audited general ledger accounts, costing, and general accounting tasks as assigned. Set up and maintained bills of material. Assisted in evaluating bill of material set up procedures. Discussed with peers issues regarding the manufacturing software. Show less

Accounts Receivable/Payroll Coordinator

• Jun 1996 - Nov 1998

Performed asset control, accounts receivable, payroll, pricing, and other functions as assigned. Assisted in training new employee in the accounting department. Met with employees and supervisors to discuss payroll issues. Promoted to Associate Accountant in November 1998 to sister company, AcroTech Midwest. Performed asset control, accounts receivable, payroll, pricing, and other functions as assigned. Assisted in training new employee in the accounting department. Met with employees and supervisors to discuss payroll issues. Promoted to Associate Accountant in November 1998 to sister company, AcroTech Midwest.

Bookkeeper/Data Entry

• Nov 1993 - Jun 1996

Prepared individual, sales, and payroll tax returns, financial statements, depreciation schedules, payroll, and researched various tax issues. Supervised and trained part-time employee. Interpreted client records and met with clients to discuss payroll and sales taxes. Spoke with clients and customers on the telephone. Instructed clients on the use of One Write Plus. Performed backups, maintenance, and network support. Prepared individual, sales, and payroll tax returns, financial statements, depreciation schedules, payroll, and researched various tax issues. Supervised and trained part-time employee. Interpreted client records and met with clients to discuss payroll and sales taxes. Spoke with clients and customers on the telephone. Instructed clients on the use of One Write Plus. Performed backups, maintenance, and network support.