commercial lending ♦ finance ♦ banking
finance & accounting
training & development
ø earned sales & service reward c top commercial lender southwest oklahoma (swo) region, arvest (2009); grew commercial portfolio from $25m to $83m since joining arvest in 2007.
ø hand-selected by senior management out of hundreds of candidates to spearheaded 4 critical loan review projects; completed 100+ complex reviews of 3 institutions in support of reviewing and grading portfolio of banks under consideration for acquisition by arvest bank.
ø appointed managing officer and key point of contact for lead bank on $30m complex healthcare funding project; entails 3 hospitals combining resources to form cancer centers of southwest oklahoma, with bankgroup consisting of 5 banks and arvest holding majority share of participation.
ø successfully presented to super loan committee to gain approval for $11m funding for federal government contractor financing request.
ø spearheaded sba 504 program encompassing $2.7m loan request for $3.5m project and entailing ownership by 6 partners.
ø facilitated sba 7a business purchase funding supporting $1.7m project costs in support of client attainment of entrepreneurial goals.
ø recognized with super star award, bank of america.
ø launched bank of america franchise banking division, capturing key clients including mcdonalds and burger king; drove portfolio growth to achieve 33% increase within 1 year, with up to $50m under management.
ø #1 in business lending, small business banking, chase.
ø consistently ranked in top 20% in production during tenure with chase.
ø reach for the stars-outstanding sales performance, robert half international.
vp-commercial relationship manager, arvest bank-lawton, ok 2007-present
as vp and commercial loan officer iii, drive commercial lending operations, increasing portfolio from $25m to $83m in exposure and $63m funded through aggressive prospecting and proactive relationship building; hold individual loan authority of up to $150k secured and $25k unsecured as well as joint authority for credits exceeding $150k and under $350k.
with majority of relationships under management exceeding $350k, present to loan subcommittee and senior loan committee for approval; deliver oral presentations to 12 voting members across 3 different markets of southwest oklahoma as well as field/address questions and objections.
managing highest volume of more complex relationships valued in excess of $5m, present to super loan committee consisting of senior credit management and effectively negotiate alternate structures to mitigate risk while providing client servicing and maintaining quality.
serve as member of senior loan committee as well as sub committee; actively participate in officer meetings, peer group sessions, seminars, training programs, etc.
relied upon to contribute extensive commercial lending background toward mentoring commercial lenders, credit analysts and bank personnel in support of overall company performance; oversee loan assistants and commercial lenders to ensure attainment of goals and internal/regulatory compliance.
expertly generate, analyze, structure, approve, close, and service complex commercial credit packages including participations, sba loans and additional commercial loan requests, including multi-million dollar construction and development funding; recognized as sba loan expert for market area.
proficiently underwrite loans for approval and strategically offer alternative structures for maximum business performance; personally assign grade and pricing to credit and prepare own analysis and credit memorandum.
successfully maintain technical exceptions and past dues at minimum concurrent with delivering superior client servicing; control risk to bank by continually monitoring loans and ensure critical compliance with internal and regulatory policies/procedures and standards.
steer civic/public relation initiatives vital to capturing new business, boosting market penetration and maintaining productive community presence; conduct thorough analysis of potential loan markets, consumer trends and competitor activities to identify and capitalize on opportunities for growth.
vp, client development manager, bank of america-el paso, tx 2003-2005/2006-2007
demonstrating prior value and contributions to company, re-recruited to launch internal franchise banking division in west texas and new mexico markets; focused on expanding market presence through strategic targeting of high-profile franchise businesses.
developed and managed average portfolio balance of $40-$50m.
subsequently tapped to oversee portfolio in midland odessa region
assistant vp-relationship manager, jp morgan chase-el paso, tx 2002-2003
successfully developed and managed portfolio of as many as 200 high-value business clients generating $25m-$30m in bank business.
strategically cross-sold products to expand revenue streams/market leveraging; included treasury management, investments, personal accounts, payroll services, merchant services, etc.
efficiently pre-screened business applications valued at over $1m, focusing on policy compliance.
contributed industry expertise as well as strong leadership qualities toward successfully training and developing a high-performance team of branch personnel.
financial services representative, metlife financial services-el paso, tx 2000-2002
actively consulted with clients to clearly define needs and delivered customized presentations of optimal financial/insurance solutions to capture high-volume business across broad financial/insurance and investment products and services.
bachelor of science in business management, university of phoenix-santa teresa, nm; 2000
series 6 & 63 and series 7 & 66 licensing
general lines insurance licensing, state of oklahoma (previously licensed in state of texas)
construction lending certification, western school of banking
supervisory school, arvest bank
advanced client focused banking foundations and prospecting deposit rich relationships, arvest bank
modern business writing, arvest bank
advanced/basic credit training and treasury management, chase & bank of america
trusted advisor training program, chase
cash flow management and buker tax analysis programs
various sales & relationship management courses
membership committee, lawton fort sill chamber of commerce; 2008-present
treasurer/board member, armed services ymca; 2007-present
treasurer/board member, lawton public school foundation; 2007-present
member, ambucs; 2007-present
executive committee, toastmasters; 2010
graduate class, leadership lawton; 2009
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