Chief Credit Officer or Senior Credit Administrator | Edmond, OK
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| OBJECTIVE
To be active contributor in the endeavor to sustain excellent profitability of a community bank and a person whom also provides quality leadership to the organization in order to promote sustainable and quality growth. | | | RELOCATE
AZ CO IA OK |
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*****Partial listing of resume.*******
******Please sign up for full access.****** anaged the quality growth of the bank´s loan portfolio. The attainment of this was accomplished via (a) the final review and recommendation of the overall credit-worthiness and financial capacity of large and/or more complex loan requests for presentation to Director´s Loan Committee (b) providing instruction and direction to loan officers in gathering and analyzing information including verbal discussions with borrower (c) senior management of the Commercial Credit Dept. staffed with 8 persons (including Dept. Manager) and 2 credit analysts with no turnover (d) serving as Board Compliance Chairman (high compliance rating) and CRA Officer (satisfactory rating) as well as being a member of bank´s Strategic Planning Committee (e) liaison with OCC regulators during examinations
* During period of employment bank´s annual net income improved 21% to $7.8M at 12/31/07. The size of the total loan portfolio increased 32% while the overall asset size of the bank increased 37%. Net charge offs remained very low in relation to portfolio growth rate. ROAA for 2007 was 2.22 with an ROE of 27.36. Net income and capital reached the highest level in the history of the bank since being chartered (1927).
* Collaborated with all commercial lending officers in the underwriting and presentation of loan requests of $500K (+/-). Detailed borrower´s strengths, weaknesses and repayment capacities in order to make a correct lending decision.
* Accomplished overall streamlining of Commercial Credit Dept. with Dept. Manager which resulted in 20% annual departmental expense savings.
Alamo Bank of Texas (now Frost NB) - Alamo, Texas 1994 - 2003
SVP / Commercial Credit Review Officer
Reported to President / CEO
Headquartered in South Texas with 6 branch locations including McAllen, the bank had total assets of $313M including a diversified $225M loan portfolio centered in commercial business activity and $62M in securities.
Produced loan underwriting for commercial borrowers for presentation to President and Director´s Loan Committee. Devised the consolidated analyses of business cash flow utilizing Baker Hill software and guarantor personal cash flow. Supervised 1 full-time analyst in conjunction with analyst/commercial loan officer-in-training. Board Compliance Chairman (high compliance rating). Member of bank´s Credit Policy Committee.
* During employment only one loan charged off which was not identified on internal WL. Bank historically had low annual loan portfolio net charge-offs.
* Loan review total portfolio penetration (monitored monthly) consistently was 45% or greater with tiered review levels of all WL, >$75K, >$200K and >$400K aggregate dollar credits. Highest portfolio penetration level was 59% in seventh year of employme
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