Interests Member of Williamson Appalachian Regional Hospital Board of Trustees I Chairman of Local Advisory Council for Williamson Appalachian Regional Hospital Served as board member for the Tug Valley Chamber of Commerce Served as officer of East Kentucky Homebuilders Association Member of the Tug Valley Chamber of Commerce Past member of Pikeville Rotary Club Past member of East Kentucky Homebuilders Association
Golf, Fishing, and Travel
administrative, agency, budgets, Budget, business development, business plan, competitive, credit, customer service, financial, government, image, insurance, leadership, managerial, mark, marketing, market, money, performance reviews, personnel, policies, quality control, record keeping, risk management, Sales, strategic, team player, written
Hobbies Golf, Fishing, and Travel
Past member of East Kentucky Homebuilders Association
Hobbies Golf, Fishing, and Travel
Market President April 2005 to CurrentCommunity Trust Bank － South Williamson, KY
Sales leader for the market.
Implementation of the bank's standard controls for operation; setting and utilizing systerr controls to track assets, measure the size and performance of the loan portfolio, meet compliance and record keeping standards; assesses the performance and takes appropria action to ensure that all goals and standards are met; measure performance of stai against industry standards; taking a high visibility, leadership role in the community served to further enhance the bank's image and develop additional business for both deposit and loan activities.
Exercising executive and administrative control over functions of the regional offices; including participation in the budget process, implementation of policies, and explanation of company programs and objectives.
All matters pertaining to business activities; develops and recommends credit and pncing policy for the designated market; review market financial and operating statements; analyze major operations and credit in relation to authorized programs.
Exercising managerial control over functions within the market, including implementation a proactive team player of all company policies, programs and objectives (strategic plan and business plan).
Formulating and expanding business development activities within the market through aggressive marketing involving constant contact with 'existing and potential customers.
Maintain a working knowledge of the bank's written policies and procedures regarding the Bank Secrecy Act and other applicable anti-money laundering policies.
Make periodic reports to Executive Committee of the company.
Senior Vice President Division Manager July 1997 to January 2005Community Trust Bank － South Williamson, KY
Assume overall responsibility for the residential loan portfolio: evaluate loan portfolio, analyze trends, review approved loans and delinquency reports.
Study problems and recommend changes in current loan policies and practices Maintain contacts with other lending institutions.
Attend to need of customers seeking significant loans.
Follow the division's current loans to ensure complete conformity with terms and cognizan of developing trends.
Budget proficiently for lending area.
Maintain a working knowledge of the Bank's written policies and procedures regarding the Bank Secrecy Act and other applicable anti-money laundering policies.
Mortgage Loan Officer May 1988 to January 1997Community Trust Bank － South Williamson, KY
Oversee the origination or purchase of residential loans at a price consistent with mark! conditions.
Direct the market of loans to institutional investors or government agencies; ensure that 10, originated meet investor requirements.
Maintain a competitive position by developing new business and markets and monitoring competition.
Participates in development of loan origination rates, portfolio mix, loan policies, and quali Perform personnel performance reviews, set goals, recommend new hires, terminations, an salary increases.
Supervises for proper work flow and customer service.
Monitor-loan portfolio to maintain proper risk management of the portfolio.
Proficiently budgets and maintains expense control.
Mortgage Collections May 1986 to January 1998Community Trust Bank － South Williamson, KY
Review Collectors work on daily basis to evaluate for proper collection technique and account follow-up as required by departmental procedures.
Assign accounts for repossession after evaluating and determining to be the only resolv on the account.
Monitor and track accounts assigned for repossession and follow-up with repo agency on status of assigned account.
Serve as contact person for reposession agencies, auctioneers, and insurance companies.
Process and track insurance payments for quality control.
1991University of Louisville General Banking School － Louisville, KY
Bachelor of Business Administration : Business Management, 1986Eastern Kentucky University － Richmond, KYBusiness Management