Vice President, Small Business Credit Underwriting Manager Resume

EMPLOYMENT HISTORY:

Confidential, Richmond, Virginia

Vice President, Small Business Credit Underwriting Manager

Responsibilities:

Created the small business culture and instilled passion for this profitable line of business at the bank.
Refined the pre - underwriting verification mode, which improved the quality of applications submitted, resulting n quicker loan decisions.
SME on investment and owner-occupied real estate lending, medical and dental lending, lending to law firms, and underwriting high dollar private banking wealth clients.
Successfully underwrite to high concentrations of large dollar medical, dental, Confidential 504 & Confidential and religious organization lending.
Created the portfolio/renewal division, concentrating on upselling the existing client base while improving the quality of the existing portfolio.
Exercise loan authority up to $2mm, on secured and unsecured credits.
Lead and mentor the Small Business underwriting team, consisting of a team lead senior underwriter and six underwriters. This has resulted in four consecutive 15-20% annual loan volume growth years.
Lead and mentor the Consumer underwriting team, consisting of a team leader and four consumer underwriters to consecutive years of sustained growth. Cross-trained the underwriters to seek opportunities to upsell additional loan products.
Conducted effective on-going credit and sales bankwide to Business Banking/Small Business RM’s, and to all retail branch loan officers within the bank's Virginia footprint.
Successfully improved and strengthened the bankers' ability to gain additional business through better understanding of financial statements, cash flow, risk analysis; understanding manufacturing entity business cycles, and improving the credit write-ups, which has proven to greatly impact and improve loan approval percentages and loans closed/booked.
Propelled the small business application volume to new levels, from 300 applications per year to the present 1,400 applications per year in less than three years.
Achieved a greater loan approval percentage, from 67% to 80%, while reducing past due loans to less than 1% and charge off to less than .05%.
Loans booked has blossomed from 38% to 67%.
Rocketed loan approval volume from $13mm per year to the present $155mm in 2017.
Instilled passion for the small business segement of the bank into the underwriters and fostered a positive, upbeat drive in all bankers. The bankers understand the underwriters and the underwriters are receiving quality applications from which to maker better decisions.

Confidential, Richmond, Virginia.

Vice President, Centralized Underwriting Manager

Responsibilities:

Created and led the Small Business centralized underwriting division. The merger of three legacy banks formed Confidential in 2008, and formed the infancy of small business underwriting.
Created the credit and sales culture within the bank to equipment small business relationship managers and branch managers with information and technology to improve the small business culture throughout the bank's Virginia footprint.
Worked in tandem with tech support to modify the Baker Hill software to better accomodate small business lending, bank personnel and a new underwriting team of three. This resulted in improved quality of the applications submitted and quadrupled loan growth in less than three years.
Confidential was acquired by Confidential in 2014, I ascended to the same position at Confidential to begin transformation of its Small Business culture.

Confidential, Richmond, Virginia

Senior Commercial, Consumer, Small Business and Confidential Underwriter

Responsibilities:

Strong emphasis on real estate lending; high dollar wealth management lending Confidential 7 (A), (504), Express and Patriot Express program products, NFP and religious organization lending. SME on Confidential and church lending for the regional credit center.
Exercised lending authority to $1mmm underwriting small business loans up to $3mm in total credit exposure.
Experienced in aircraft and watercraft underwriting. SME for coastal region watercraft financing (perfecting ship’s mortgages).
Successfully underwrote new money and portfolio renewal and review loans.
Led and mentored seven junior underwriters.

Confidential, Lansing, Michigan.

VP, Senior Commercial Lender

Responsibilities:

Concentration on investment and owner-occupied real estate (including new construction) and COI lending: attorneys, medical, dental.
Lending authority to $1mm.
Religious organization SME for the regional bank, underwriting church lending up to $7mm.
Large concentration of municipality lending and commensurate experience.
Responsible for 3 junior lenders in addition to my portfolio.

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