Description
Promoted boualvng@yahoo.com * (815) 579-1076 to this position to oversee the Bank's Credit operations which included direct reports consisting of 2 credit analysts and 2 collections personnel. Effectively improved the department's overall morale and production by empowering employees through increased communications accountability and acknowledging & rewarding successes. * Streamlined the underwriting process producing average turn-around time of 30 minutes on consumer loans and 3 days on commercial loans. Developed and implemented new commercial loan underwriting templates that were highly detailed and organized resulting in higher quality write ups and a more streamlined process. Introduced the Bank to more in depth approaches to Credit Analysis including such things as UCA cash flow analysis application & monitoring of detailed loan covenants application of industry statistics pricing models alternative loan structuring etc. * Improved the quality and depth of the Bank's overall commercial loan write ups allowing the Bank to make more informed & accurate loan decisions resulting in a decline in the loss ratio for loans booked during my tenure. * Facilitated increased involvement from the underwriter in loan committee meetings to generate discussion so that all risks were identified and addressed. (Telecommute) Temporary contract work to assist the Bank's backlog of commercial write ups. * Produced a considerable amount of write ups in the abbreviated period to allow the department to catch up with back logged write ups and provide increased customer service and turnaround. Effectively monitored the logistics planning for the corporation to reduce mileage improve delivery times and efficiently utilized inventory and resources. Analyzed and underwrote packages for dealer loan relationships extending above $100MM. Negotiated complex loan terms with the sales field while working alongside the Legal department to ensure proper covenants and documentation. Presented loan requests for approval and fielded questions from a 22 member credit committee with international presence. Mentored and trained junior analysts. Analyzed and underwrote commercial and agricultural loans with average request size of $1MM. Assisted various lenders on sales visits to ensure proper documents and information were obtained for loan write ups.
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