Results oriented business professional with 30+ years experience in banking. Self-motivated individual with a strong ability to contribute to corporate objectives. Demonstrated strengths include: * Analysis of commercial credit and determination of creditworthiness * Organizing and formatting of departments and procedures * Developing systems and procedures to allow for efficient operation * Written and oral communication skills * Reporting and recording with accuracy and detail * Formal Credit Training with Barnett Bank (1996) Selected Achievements: * Evaluated credit worthiness of local businesses including in-depth, independent, and objective comparative analysis, profitability analysis, noting regulatory and technology issues along with vulnerability of competition, thus resulting in a higher quality credit portfolio (Various Banks) * Led efforts to integrate consistent credit scope in Credit Memorandums across bank footprint (Capital Bank) * Created Interim Financial Analysis Report (IFAR) for credits requiring more depth than prescribed by policy and trained the Bank on the process (Capital Bank) * Installed, designed, and implemented Baker Hill Experian software (Financial Tracking, Credit Scoring) for EverBank Commercial Portfolio ($20 Billion in Assets - Portfolio $2 Billion) * Developed procedures to work a Business Banking Portfolio with 144 Past Dues on 1,346 notes in February 2007 down to 33 Past Dues in July 2007 (Fifth Third Bank) * Established written policies and procedures for residential mortgage loan accounts including a standard process for collection resulting in reduced delinquencies on the $900 million mortgage loan portfolio from 7% to 4% (First Federal) * Opened and organized new branch facility including training, coordinating employee responsibilities, and developing employee procedures and internal policies (First Federal)
Description
