Talented and meticulous Credit and loan professional experienced in credit approvals and limits and in-depth knowledge of direct and indirect lending products, finance concepts, and job-related software. Ability to evaluate, recommend and authorize approval of numerous loans. Trustworthy professional with expertise in managing complete loan processes, including prospecting, closing, and maintaining client relationships. Recognized for successfully mentoring teams and building successful relationships with internal and external stakeholders.
CORE COMPETENCIES AND ACHIEVEMENTS
Leadership and Management. Provide strategic counsel to the senior leadership team. Continuously sought after for input by other department leaders and employees.
Communication. Cross-cultural work experience; effective communicator, able to prepare diverse, global communications with cultural sensitivity and emotional intelligence.
Creativity and Innovation. Proactively produce and implement unique ideas/solutions for problem-solving and competitive edge. Designed and implemented a new policy booklet acting as a Risk Manager
Project Management. Exceptional ability to manage all aspects of projects from ideation to completion and beyond. Consistently delivered quality projects on time and ensured deadlines were met repeatedly.
Account Management and Business Development. Successfully maintain and develop existing client relationships and create new relationships with prospective clients. Established and maintained positive working relationships with multiple clients and vendors, leading to business development. Recognized for building a new $24.5M loan portfolio as a Loan Officer
Analysis and Budgeting. Accurate, reliable, and diligent, committed to fact-based claims. Surveil risk of $1B loan portfolio across 28 states. Keep loan loss under 50 bps portfolio-wide.
Technologies. Microsoft Office, Tableau, Power Bi.
Responsible for an $850M loan portfolio and credit risk mitigation initiatives.
Evaluate financial documentation such as credit reports, processing history, and bank statements.
Professionally mentor Regional Risk Managers and Credit Analysts teams. Guarantee loan portfolio alignment with credit agreements.
Assess processes and risk ratings and recommend action plans and enhancements.
Work collaboratively with loan officers and credit analysts to underwrite solid loans.
Instrument new loan monitoring policies, systems, and initiatives.
Successfully oversee loan committees accomplishing timely credit decisions in alignment with business goals.
Facilitate on-site and virtual training for the lending team.
Perform statistical analyses to identify trends, variations, patterns, and insights.
Analyze areas of the potential risk to assets, earning capacity, and organizational success.
Provide excellent service and attention to customers when face-to-face or through phone conversations.
Loan Officer, 12/2015 - 09/2018 Ag Resource Management – City, STATE,
Led and mentored a team of three lending and insurance teams while being in charge of a $24M loan portfolio.
Conducted assessment of applicants' financial status, credit, and property evaluation to determine granting loan eligibility.
Executed loan origination process, including ordering credit reports, appraisals, and preliminary title reports.
Determined appropriate rate locks, issuance of disclosures, overage and underage waivers, and fee waivers.
Tracked loans and performed collateral inspections. Identified repayment shortfall causes.
Participated as a vital member of a loan committee working on reaching credit decisions and managed all sales and marketing-related initiatives.
Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
Improved operations by working with team members and customers to find workable solutions.
Sales and Rental Representative, 09/2013 - 12/2015 Warren Caterpillar – City, STATE,
Placed orders and answered customer questions in-person, through email, and over the phone to maximize customer service across the Texas panhandle region.
Identified customer needs to deliver relevant product solutions and promotions and meet target budgets.
Fostered relationships with customers to expand customer base and enhance loyalty and retention.
Managed collection for past due invoices and negotiated pricing and financing of farm machinery.
Pursued and built professional relationships with customers.
Education and Training
MBA: General Business, Expected in 2019 - Texas Tech University, Rawls College Of Business - Lubbock, TX GPA:
Bachelor of Science: Agricultural Communications, Expected in 2012 - Texas Tech University - Lubbock, TX GPA:
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