Seasoned credit administrator with more than 30 years of experience in commercial credit. Excellent credit
decisioning and portfolio management skills. Track record of achieving exceptional results in handling a high volume
of credit requests with exceptional turnaround time. Proactively work with regional teams in portfolio management,
credit administration issues, and process changes.
Credit decisioning within the bank's risk appetite
Coaching team members
RMA Credit Risk Certified
02/2017 to Current
Credit Risk OfficerSouth Atlantic Bank － Myrtle Beach, SC
Responsible for establishing the bank's quarterly allowance for loan losses and preparing loan concentration reports.
Perform periodic stress testing for the various segments of the loan portfolio.
Review and update the bank's credit policy.
Establish the bank's first in-house credit risk review procedures.
10/2010 to 12/2016
Regional Loan AdministratorBB&T － Winston-Salem Alpharetta, NC GA
Provide credit co-approval for a wide variety of commercial loans, to include commercial and industrial, income
producing properties, builder and developer loans, and asset-based lending.
Guide and lead regional teams on
portfolio management and credit administration issues.
Coach relationship managers and credit support members
on risk rating, loan structure, and credit risk appetite.
Have had the highest loan volume for credit decisioning in the
Alpharetta credit hub over the past two years with the best credit decisioning turnaround time.
10/1997 to 09/2010
Group Loan Administrator and Portfolio ManagerBB&T － Winston-Salem, NC
Held various roles and responsibilities which included providing co-approval for loans within the bank's Small
Commercial portfolio, leading a team of 3-4 Small Business Loan Administrators who provided co-approval and
portfolio management support to various bank regions, and was Risk Manager for the Small Commercial portfolio.
Was involved with credit scoring tools used both for loan originations and portfolio management.
underwriting spreadsheet that is still in use for clients in the Small Commercial portfolio.
12/1982 to 09/1997
Management Development Associate, Credit Analyst, Branch Manager, Small Business Loan AdministratorUnited Carolina Bank － Whiteville, NC
Started as an associate in the bank's management development program.
Worked as credit analyst and led the
development of the bank's first computer template for financial spreads.
Managed one of the bank's branches working
with commercial and retail clients.
Provided co-approval for small business loans using credit scoring and credit
underwriting for half of the bank's lenders and later managed this area for the bank.
05/1981 to 11/1982
Sales AssociateJ. S. Mann's, Inc － Whiteville, NC
Assisted in various roles in family-owned clothing business primarily in merchandise buying and sales.
Education and Training
Bachelor of Science: Business AdministrationEast Carolina University － Greenville, NC
Graduated cum laude and was a member of Beta Gamma Sigma Honor Fraternity. Earned B.S. in Business Administration with a concentration in Economics.