Candidate Profile #316577

Indiana – Marshall County Area – Sr. Commercial Credit Officer

• Years of Related Experience: 20
• Minimum Salary: $125K 
• Work Area:  Marshall County, Indiana
• Experience:
  • Experience in CRE, C&I, and SBA loans.
  • Manage a team of six credit analysts and four documentation specialists.
  • Underwrite complex, multi-player deals up to $20MM.
  • Average commercial deal size was $2MM to $5MM.
  • The largest commercial deal size was $35MM.
  • Has a single loan authority of $2MM.
  • Negotiate and structure deals.
  • Exercise individual loan authority of $350M and a voting member of the committee that approves up to $4MM.
  • Redesigned credit memo and risk rating system.
  • Reduced turnaround time by 15 days by creating extension, courtesy (10%) approval, credit limit (pre-approved amount), and credit scoring (small business) approval processes.
  • Implemented a credit pipeline, borrowing base, and financial tracking reports to monitor the $400M portfolio.
  • Created a training program for analysts and lenders to grow their skills and make better lending decisions.
  • Instituted appraisal-related compliance processes.
  • Re-wrote the commercial guidelines.
  • Re-aligned job duties with the appropriate job function.
  • Reduced the time spent ordering and reviewing appraisals from days to minutes by engaging a third-party appraisal service.
  • Led successful implementation of the Baker Hill loan origination system for the commercial lending group.
  • Serve as administrator and troubleshooter for users.
  • Developed the testing plan and coordinated user testing of the system.
  • Wrote procedures for Baker Hill.
  • Develop reports and documents using Web Intelligence and Windward.
• Other Attributes:  Credit Risk Certified (CRC).
• Education: Bachelor’s degrees in Economics and a Master’s degree in Business Administration in Accounting
• Reference #:  316577
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