Description
Experienced with underwriting, loan processing and closing of SBA loan guarantee programs. * Practiced underwriter, consistent with the policies and procedures of the corporation, reconciling the desires and needs of the consumers while meeting the goals and objectives of the corporation. * Excellent written and verbal communication skills ability to prepare and deliver persuasive oral and written presentations, ability to communicate with senior level management, regulators and executive officers. * Approve loans within lending authority limits, and recommend approval of loans to supervisor or loan committee. Responsible for maintaining and growing commercial loan portfolio and relationships. * Community and professional activities to expand network of business contacts for development business. * Significant background in foreclosure, bankruptcy, and legal process of the special assets department. * Expert in negotiations of troubled loans, and creating satisfactory outcomes for the financial institution * Strong background in marketing and maintenance or ORE properties preparing periodic reports for department and executive management collateral/site inspections and customary collection routines. * Skilled in general accounting, computer software, special assets, negotiation, problem resolution and the writing of customer correspondence. GRAND SAVINGS BANK, ROGERS, AR. V.P., LOAN OFFICER, CREDIT CARD MGR 2011 - 2017 * MLO 613485, Mortgage applications, Originate, underwrite, and closing of various mortgage loans. * Underwrite and close various types of agricultural, commercial, small business, and consumer loans. * Financial statement analysis, stress test analysis, credit analysis of various loans. * All aspects of bank Credit Card Portfolio Management, Underwriting, Compliance and documentation. * Positive sales of bank related retail products, sales of credit protection products to bank customers. * Evaluation of problem loans, arrange loan modifications, workouts and repossession of collateral. METROPOLITAN NATIONAL, LITTLE ROCK, AR. V.P. SPECIAL ASSETS 2010 - 2011 * Specialized ability in collections, foreclosure, and liquidation of SBA loans. * Evaluations of problem loans, arrange loan modifications, workouts and repossession of collateral. * Coordinate loan workouts and repossession of collateral when necessary, attend bankruptcy court. * Financial statement analysis, stress test analysis, credit analysis of commercial loans. * Liquidation of foreclosed assets, management of assets under liquidation. * Testify in court on behalf of bank, work closely with banks legal council, review legal pleadings. FIRST NATIONAL BANK, ROGERS, AR. V.P. COMMERCIAL LENDING 2008 - 2009 * Underwrite and close various types of commercial, small business, consumer, and agricultural loans. * Development of loan underwriting worksheet and guidelines for the Northwest Arkansas region. * Review and enhancement of loan officers underwriting skills and credit / collateral analysis. * Increase/ maintain a portfolio of quality loans, by cold calling, and managing existing customers. * Financial statement analysis, stress test analysis, credit analysis of commercial loans. * Positive sales of bank related retail products, sales of credit protection products to bank customers. * Evaluations of problem loans, arrange loan modifications, workouts and repossession of collateral. GREG A. HELLER FIRST WESTERN BANK, ROGERS, AR. V.P. COMMERCIAL LOAN OFFICER 2003-2008 * Produced setup and close various types of commercial loans, with over $25 million in loan production. * Underwrite and approve credit, setup and close various commercial, consumer and real estate loans. * SBA loan officer for the Northwest Arkansas region, all aspects of SBA portfolio management. * Enhance/ maintain a portfolio of quality loans, by officer calls, and managing existing customers. * Evaluation of various forms of collateral, construction draw inspections, and funding approval. * Financial statement analysis, stress test analysis, credit analysis of commercial loans. * Coordinate loan workouts and repossession of collateral when necessary, attend bankruptcy court. THE BANK OF ROGERS, ROGERS, AR. V.P. COMMERCIAL LOAN OFFICER: 2000 - 2003 * Underwrite / approve credit, setup and close various types of consumer, commercial and real estate loans. * Knowledge of all policies, procedures and regulatory requirements applicable to specific loan situations. * Maintain and grow a portfolio of high quality low risk consumer and real estate loans. * Strong sales of bank related products, sales of credit protection products to bank customers. * Performed all tasks related to the banks internal internet technology officer. THE BANK OF BENTONVILLE, BENTONVILLE, AR. LOAN OFFICER 1999 - 2000 * Knowledge of all consumer loan products. Review loan requests. Underwrite credit, setup and close various types of consumer and real estate loans. * Knowledge of all policies, procedures and regulatory requirements applicable to specific loan situations. * Maintain and grow a portfolio of high quality low risk consumer and real estate loans. SOUTHWEST NATIONAL BANK, WICHITA, KS. AVP, LOAN OFFICER: 1996 - 1999 * Contract and negotiate with local automobile dealerships to increase indirect loan production. * Direct and indirect lending with a focus on indirect automobile and home remodeling dealerships to maintain and develop a large consumer portfolio. * Contract and negotiate with local automobile dealerships to increase indirect loan production. * Participate in officer's loan committee, dealing with commercial and real estate loan request. * Manage and grow a consumer loan portfolio of over $11 million, with over 1,400 customers. WICHITA FEDERAL SAVINGS & LOAN, WICHITA, KS. LOAN OFFICER: 1993 - 1996 * All aspects of consumer lending with a focus on indirect lending on consumer and real estate assets. * Assisted in orientation of new loan officers in account management, computer systems operation, credit underwriting and evaluation, collection of delinquent loans, and customer relations and negotiation. * Monthly reporting to the board of directors, state officials, and insurance companies. CONSUMER COLLECTION MANAGER: * All aspects of consumer loan collections working with customers, legal department and repossessions. * Reduced department delinquency ratio from above 4% of outstanding loans, to below 1%.
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