VP Chief Credit Officer Resume Springfield, IL - Hire IT People

SUMMARY:

Personable, Analytical, and Success Driven Senior - Level Executive offering 15+ years of commercial credit and commercial lending experience spanning commercial and consumer loan portfolio management. Highly analytical, detail oriented, and dependable individual with significant experience with complex loan structuring and in depth loan analysis.Superior skills on identifying credit risks within a Bank’s portfolio, offering options to minimize those risks, streamline implementation of solutions, follow-up, and monitoring of results.
Developed and implemented new commercial loan underwriting templates that were properly formatted, detailed, and organized resulting in higher quality write ups and a more streamlined process.
Developed an internal risk rating system in conjunction with a pricing worksheet which allowed for more informed pricing discussions resulting in increased pricing margins for the Bank s overall portfolio.
Overall revision of the Bank s loan policy to further minimize risks and adhere to regulatory guidelines while still allowing the institution to be responsive and provide favorable service to the customer.
Application of stress testing analytics at the transaction level and at the portfolio level to identify potential risks that could result from changes in micro and macroeconomic conditions. This allowed the Bank to ensure proper capital adequacy.
Implemented a pre loan and post loan documentation process which resulted in the thorough collection of documents for underwriting and the thorough collection and monitoring of closing and post - closing documentation.
Established numerous tracking systems and spreadsheets which streamlined the Commercial Credit and Lending Departments resulting in reduced exceptions and more efficient turnaround times.

CORE COMPETENCIES:

Effective structuring of complex loans to minimize risk High quality credit analysis with emphasis on detail
Notable experience with all types of financial documents Excellent portfolio management skills at desired risk levels
Strong knowledge of commercial loan documentation Skilled in management & work out of problem credits
Personable, dependable, & strong team player Ensures compliance with regulatory & internal policies
Solid verbal and written communication High level of professionalism & integrity
Extensive experience in mentoring junior associates Strong organizational & multitasking skills

PROFESSIONAL EXPERIENCE:

VP Chief Credit Officer

Confidential, Springfield, IL

Responsibilities:

Created synergies between the Credit, Collections, and Lending Departments through implementation of tracking spreadsheets, open lines of communication, and accountability resulting in a more efficient loan production department.
Emphasized the importance of quality control of the Bank’s overall portfolio by continuous monitoring resulting in proactive decisions. Classified loans decreased from $12,948M at YE 2015 down to $5,418M as of 08/31/16.
Application of stress testing analytics at the transaction level and at the portfolio level to identify potential risks that could result from changes in micro and macroeconomic conditions. This allowed the Bank to ensure proper capital adequacy.
Created pre closing and post-closing checklists and procedures which resulted in more complete analysis packages and reduced loan file documentation exceptions from 62% down to 29%.
Expanded the Bank’s portfolio by focusing on the Agricultural sector resulting in an increase in the farm portfolio from $14.5MM to $26MM in just over 15 months.

AVP Credit Risk Manager

Confidential, Springfield, IL

Responsibilities:

Streamlined the underwriting process producing average turn-around time of 30 minutes on consumer loans and 3 days on commercial loans.
Developed and implemented new commercial loan underwriting templates that were highly detailed and organized resulting in higher quality write ups and a more streamlined process.

Senior Credit Analyst

Confidential, Springfield, IL

Responsibilities:

Improved the quality and depth of the Bank’s overall commercial loan write ups allowing the Bank to make more informed & accurate loan decisions resulting in a decline in the loss ratio for loans booked during my tenure.
Facilitated increased involvement from the underwriter in loan committee meetings to generate discussion so that all risks were identified and addressed.

Senior Credit Products Underwriter

Confidential, Concord, CA

Responsibilities:

Produced a considerable amount of write ups in the abbreviated period to allow the department to catch up with back logged write ups and provide increased customer service and turnaround.

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Vp Chief Credit Officer Resume

Springfield, IL

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