Experienced banking executive with a background in all facets of loan origination, production, and portfolio management. Driven to instill strong credit culture, maintain compliant and responsible lending practices, and assist institutions with implementing new strategies for loan growth. Have experience in both large and small credit union and community banking environments as an executive level organizational leader. Builds and retains high performance teams by hiring, developing and motivating skilled professionals while providing the resources to continuously make the processes more efficient. Background in all facets of lending including creating commercial, mortgage, and consumer loan products, processes, and strategies.
Certifications / Awards
Experienced in administration of loan origination and core banking software.
NCUA, FDIC, OCC regulatory experience
WVBA Lending Leadership Committee
Member of RMA
Credit Union Executive Society
SBA 7(a), Express, SBA 504 loan programs
CUES School of Business Lending I-III
CUBG Cash Flow Analysis School
UFCU Star Performer
UFCU Lending Employee of the Quarter
BCBank Presidents Award
Sr. Vice President, Chief Credit Officer January 2015 to CurrentBCBANK, INC － Philippi, WV
Responsible for the management of all loan origination/operations, reporting directly to the Chief Executive Officer.
Responsible for the management and oversight of all lending product offerings (consumer, mortgage, and commercial).
Member of the executive management team, reporting to the Board of Directors on a monthly basis.
Created new more dynamic consumer loan products increasing consumer lending by over 300% in the first year.
Implemented a risk based pricing strategy for all loan products, increasing overall yield, and interest income.
Increased commercial loan pipeline from $4-5MM to over $30MM in first year.
Overhauled mortgage product offering to include longer term fixed rate offerings through secondary market programs, in house ARM products, and new HELOC products.
Obtained SBA Express loan designation through the Small Business Administration to supplement C&I loan product offerings
Hired two additional experienced loan officers to increase pipeline of loans.
Opened a loan production office in a previously unserved market to increase loan volume and market penetration.
Implemented new credit culture and stricter underwriting standards for commercial loans, created more effective underwriting strategy and new risk rating matrix.
Overhauled the loan operations process to ensure effective separation of duties, more diligent checks and balances, and corrected compliance deficiencies.
Created new lending and OREO policies to ensure state, and federal regulatory compliance.
Implemented new collections process and procedures to resolve stagnant delinquent loan portfolio, decreased overall delinquency to under 1% by the second quarter 2016.
Hired portfolio specialist to manage collections, and annual loan review processes to ensure proper annual due diligence on the loan portfolio.
Business Lending Manager January 2012 to January 2015UNIVERSITY FEDERAL CREDIT UNION － Austin, TX
Responsible for the management of loan operations, reporting directly to the Sr. Vice President, Chief Lending Officer.
Manage commercial loan portfolio between $80 - $120 million.
Responsible for managing Sr. Business Credit Analyst, Portfolio Manager, Loan Processor, Loan Closer, Loan Servicer, CUSO relationship.
Responsible for overseeing the portfolio risk management process and annual compliance reviews of existing loans and collateral.
Responsible for the oversight of the loan closing process, and loan draw process.
Created loan pricing model, and responsible for establishing uniform underwriting standards as the loan underwriting function was moved in house from a third party CUSO provider.
Achieved designation as an SBA Preferred Lending Partner (PLP)
Responsible for the oversight of commercial real estate, C&I, and SBA loan origination and funding process.
Facilitate business loan committee meetings, presentation of reports, and proposed credit to committee of Credit Union executives.
Implementation, configuration, and administration of automated commercial loan origination software.
Project team member of implementation of enterprise wide customer relationship management software.
Interim CEO of CU Business Solutions during executive management transition of credit union owned CUSO.
Business Credit Analyst January 2008 to January 2011UNIVERSITY FEDERAL CREDIT UNION － Austin, TX
Responsible for the review and analysis of business loan applications.
Conduct full financial analysis of borrowers and guarantors repayment capacity, cash flows, liquidity, financial ratios and credit.
Responsible for drafting all credit presentations to be submitted to loan committee for loan approval.
Underwrote loan relationships in excess of $20 million
Performed annual compliance reviews of existing loans and collateral.
Performed SBA 7(a) loan packaging for applications for guaranty, managed relationship with SBA through authorization process.
Ensured effective communication between loan officers, third party clients, approving authority, and other departments involved in loan process.
Project team member of implementation of enterprise wide customer relationship management software (CRM).
Loan Service Advisor I - III January 2005 to January 2008UNIVERSITY FEDERAL CREDIT UNION － Austin, TX
Four years direct consumer lending experience.
Responsible for training and development
Responsible for monthly production, quality control, and audit reporting to Sr. Management
Managed quality control process and reported exceptions to other loan service advisers for resolution.
Primary help desk resource for operations management and staff.
Bachelor of Science in Business Administration : Finance , 2004AUBURN UNIVERSITY － Auburn, ALMinor in Economics, International Business