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ASSISTANT VICE PRESIDENT Resume Example

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ASSISTANT VICE PRESIDENT
Summary
Self-motivated professional highly proficient in developing creative solutions and implementing objective decision making.  Holds a strong background in multiple areas on the asset side of the banking industry. Maintains positive attitude and works hard to build team relationships.
Highlights
  • Symitar Core Processing
  • Fidelity Information Systems Core Processing
  • LAPro Core Processing
  • Wolters Kluwer Cash Suite - Insight and OnTrack
  • Experian Statement Analyzer/Baker Hill
  • Fiserv Core Processing
  • Core Banking Reporting Software - Viewpoint
  • Adobe Captivate
  • Encompass360
  • Microsoft Excel, Word, PowerPoint, Outlook
  • Compliance One (Wolters Kluwer)
  • ARTA Lending (Wolters Kluwer)
  • McCoy Myers
Accomplishments
Implemented several strategies that successfully increased departmental income and improved client retention rates. 
Experience
08/2014 to Current
ASSISTANT VICE PRESIDENTCompany Name － City, State
  • Perform financial analysis of business entities and individuals determining global cash flow and the continued ability to service debt.
  • Collateral impairment analysis is performed to assist in the determination of sustainability.
  • Financial ratio benchmarks are used when analyzing financial statements and are all encompassing of the relationships' financial condition.
  • Post financial analysis narratives and memos of the financial information, along with a collateral analysis, research, and historical analysis of the companies, are done prior to all approval processes.
  • Lending functions include conversing or meeting with all applicants to obtain information for loan approval, analyzing the financial status, credit, and property evaluations to determine feasibility of the loan in addition to explaining different types of loans and credit options available.
  • Projects managed to date consist of an internal audit of all loans within the portfolio, orchestrating a financial and collateral tickler system, tracking financial covenant ratios, and streamlining procedures within the department to ensure accurate loan documentation, title policies, and appraisal reviews.
  • In addition to this, a system of tracking has been set up of all referrals, approved loans waiting for funding, loan closings, and loans currently in underwriting.
  • Overviews are then done daily with administration to expand departmental capacity.
  • Assisted senior-level credit officers with complex loan applications.
  • Current projects are revitalizing the member business loan policy and constructing a member business loan review analysis excel workbook
  • Performed daily maintenance of the loan applicant database.
  • Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
  • Educated customers on the variety of loan products and available credit options.
  • Created financial analysis reports of commercial real estate, borrowers' financial statements, lease reviews and market research.
  • Effectively managed more than [number] client relationships.
  • .
06/2014 to 08/2014
SENIOR CREDIT ANALYST/CREDIT UNDERWRITERCompany Name － City, State
  • Performed financial analysis on financial statements and tax returns of business entities along with individual and/or global cash flows on commercial relationships.
  • Additionally, a personal cash flow analysis on personal guarantors was done to determine debt to income and debt service coverage.
  • Once all financial analysis was done, write ups were completed of all financial information along with a collateral analysis which included but was not limited to researching the company, reviewing appraisals (if applicable), and reviewing and approving final documents prior to closing.
  • Along with credit analysis and underwriting, other duties included monthly preparation of the ASC 450 Allowance for Loan Losses, Concentrations of Credit report, and ASC 310 Impairment Analysis of all downgraded loan relationships.
06/2013 to 02/2014
MORTGAGE LENDING SPECIALISTCompany Name － City, State
  • Worked on implementation of Ellie Mae's Encompass360 software.
  • Adhered to all federal and state compliance guidelines relative to retail mortgage lending.
  • Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers. Traveled and worked in-house to train an estimated 100+ employees on use of the new software in all levels of the mortgage industry.
  • Also developed training materials to be utilized by each of those areas.
  • In implementation of the software, other duties included creating custom input forms, managing business rules, and configuring user accesses prior to rollout.
  • Upon completion of the project, procedures were put in place for loan officers, underwriting, processing, post-closing and shipping departments.
  • Managed the shipping are to promote consistency, trained individually throughout the different areas of mortgage, and put procedures in place within each department to reduce investor suspense items.
11/2010 to 06/2013
ASSISTANT VICE PRESIDENTCompany Name － City, State
06/2004 to 11/2010
LOAN OPERATIONS/AVPExecuted the loan origination process, including ordering credit reports, appraisals and preliminary title reports.
    Researched insurance information and flood certificates.
  • Built knowledge about latest banking products and services through [courses/certification programs]. Reviewed and approved high volume closings of attorney and in-house prepared commercial and residential real estate loan documents as well as other consumer and commercial notes with various degrees of collateral.
  • Other responsibilities included booking loans, tracking credit and collateral exceptions, and keeping loan file documentation current by management of scanning, indexing, and bulk filing of all incoming departmental documentation.
  • Managed all aspects of lending compliance including review of early disclosures and HMDA submission.
  • Filed initial financing statements, amendments, and assignments on purchase money, blanket lien, and real estate filings with the Secretary of State and corresponding counties (if applicable).
  • Constant interaction with examiners (OCC) and external auditors during loan reviews.
04/2002 to 03/2004
Company Name － City, State
  • Processed agricultural, commercial, and consumer loans in ARTA Lending as well as letters of credit working off of loan memorandums provided by lenders.
  • Processed commercial and residential real estate loans through attorney websites as well as ARTA Lending.
  • Maintained documentation on all active and upcoming loans.
  • Calculated and processed payoffs, performed appraisal reviews and reviewed pre and post loan documents.
  • Input information on HMDA reporting forms into the HMDA LAR on a monthly basis.
  • Maintenanced and maintained all corresponding loan documentation with approved and booked loan packages.
  • Filed all UCC1's and UCC3's online with the Secretary of State (Texas) for any un-titled collateral.
  • Other responsibilities included monthly SBA reports with all interest and principal pre-calculated.
  • Also completed the VSI Insurance report done monthly for lenders comprehensive single interest to determine percentages to be paid.
SENIOR CREDIT ANALYST/APPRAISAL SERVICES OFFICER/AVP
  • Responsibilities included analysis of all business financial information on $180MM in assets which was comprised of SBA, Commercial & Industrial, and Commercial and Residential Real Estate Development loans.
  • Full analysis covered financial statements, tax returns, cash flow, ability to repay, as well as collateral analysis.
  • Appraisal Services entailed engagement and review of all residential and commercial real estate appraisals, preparation of internal evaluations, and commercial real estate stress testing.
  • Additional monthly and quarterly duties included monitoring all criticized loans, impairments, OREO & Troubled Debt Restructure, preparation of the Allowance for Loan & Lease Losses internally, completion of call report lending schedules along with various board reports (concentrations of credit, risk based capital, LTV in excess of supervisory limits & CRE high level indicators).
  • Worked closely with examiners (OCC) and external auditors regarding all responsibilities listed above.
Education
JANUARY 2016
MASTER OF SCIENCE: ACCOUNTANCYUniversity of Phoenix in ArizonaACCOUNTANCY
AUGUST 2009
BACHELOR OF BUSINESS ADMINISTRATION
Professional Affiliations
University of Texas at Arlington ASSOCIATE DEGREE / GENERAL STUDIES Tarrant County College CASH FLOW ANALYSIS / CREDIT ANALYTICS Risk Management Association CASH FLOW ANALYSIS Texas Bankers Association TROUBLED DEBT RESTRUCTURE / LOAN IMPAIRMENTS Texas Bankers Association ACCOUNTING FOR OREO AND ALLL Texas Bankers Association CONCENTRATIONS OF CREDIT Office of the Comptroller of the Currency ADDITIONAL APPRAISAL AND LENDING COMPLIANCE INDUSTRY TRAINING: SBA Loan Servicing and Liquidation - National Association of Government Guaranteed Lenders Internal Evaluation Guidelines - Texas Bankers Association Basic Appraisal Principles - The Appraisal Institute National USPAP Updates - The Columbia Institute 15-Hour National USPAP Course - Appraisal Institute Appraising in a Depressed Market - The Columbia Institute
Interests
Appraisal Reviews - The Columbia Institute Preparation of Call Report Lending Schedules - Texas Bankers Association Real Estate Loan Law and Documentation - Texas Bankers Association Commercial Real Estate Loan Documentation - Texas Bankers Association Lending Compliance School - Texas Bankers Association Home Equity Lending - Texas Bankers Association HMDA - Various Providers
Skills
Adobe, attorney, Banking, cash flow analysis, cash flow, closing, Credit, credit analysis, documentation, filing, financing, Financial, financial analysis, financial statements, analyzing financial statements, forms, indexing, INFORMATION SYSTEMS, Insurance, internal audit, letters, loan documentation, notes, Director, managing, Microsoft Excel, excel, money, Outlook, PowerPoint, Word, Navigator, policies, processes, Real Estate, reporting, researching, research, scanning, shipping, supervisory, tax returns, training materials, UCC1, UCC3, underwriting, websites
Additional Information
  • Appraisal Reviews - The Columbia Institute Preparation of Call Report Lending Schedules - Texas Bankers Association Real Estate Loan Law and Documentation - Texas Bankers Association Commercial Real Estate Loan Documentation - Texas Bankers Association Lending Compliance School - Texas Bankers Association Home Equity Lending - Texas Bankers Association HMDA - Various Providers
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Resume Overview

School Attended

  • University of Phoenix in Arizona

Job Titles Held:

  • ASSISTANT VICE PRESIDENT
  • SENIOR CREDIT ANALYST/CREDIT UNDERWRITER
  • MORTGAGE LENDING SPECIALIST
  • LOAN OPERATIONS/AVP
  • SENIOR CREDIT ANALYST/APPRAISAL SERVICES OFFICER/AVP

Degrees

  • MASTER OF SCIENCE : ACCOUNTANCY
    BACHELOR OF BUSINESS ADMINISTRATION

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