Austin Kershaw Email & Phone Number

Houston, Texas, United States

Promoted to Senior role after demonstrating in-depth process knowledge for performing and assembling periodic collateral reviews for various financial institutions.• Determine the accuracy of client applications and identify red flags by developing improved processes to review and analyze client financial statements, general ledgers, agings and perpetual reports.• Make prudent recommendations by evaluating collateral and determining if the advance rates reflect a reasonable conversion… Show more Promoted to Senior role after demonstrating in-depth process knowledge for performing and assembling periodic collateral reviews for various financial institutions.• Determine the accuracy of client applications and identify red flags by developing improved processes to review and analyze client financial statements, general ledgers, agings and perpetual reports.• Make prudent recommendations by evaluating collateral and determining if the advance rates reflect a reasonable conversion probability to cover the loan balance.• Collaborate cross-functionally with Relationship Managers, Portfolio Managers and Collateral Support Manager before each assignment to define exam objectives.• Conduct variance analyses to track time and expenses spent on each assignment to ensure proper and accurate billing.• Facilitate the prevention of fraud and risk mitigation by verifying collateral perfection and monitoring compliance within credit guidelines. Show less

Houston, Texas Area

Promoted to deliver safe and compliant lending decisions by providing credible commercial and residential real estate valuations and market data while adhering and enforcing regulatory policies.• Earned a reputation for reducing lending risks by leading and conducting field examinations on pledged collateral and generating necessary ad-hoc analyses to make recommendations.• Ensured operational success for field examinations by scheduling internal field examiners and third-party… Show more Promoted to deliver safe and compliant lending decisions by providing credible commercial and residential real estate valuations and market data while adhering and enforcing regulatory policies.• Earned a reputation for reducing lending risks by leading and conducting field examinations on pledged collateral and generating necessary ad-hoc analyses to make recommendations.• Ensured operational success for field examinations by scheduling internal field examiners and third-party contracting firms for upcoming reviews.• Implemented industry best practices by hiring, training and managing the field examiner staff to standardize processes and ensure projects finish within stringent deadlines.• Increased efficiency and reduced redundancy by redesigning the collateral review report and worksheets.• Established and documented procedures for the Collateral Review Department, including determining adequate sampling sizes and variance exception handling procedures• Implemented an efficient and secure way to transmit files between the Bank and third-party contractors by collaborating with the IT department. Show less

Houston, Texas

Promoted to perform and generate periodic collateral reviews of Frost Capital Group and Frost Bank clients while providing independent verification of pledged collateral.• Identified and highlighted areas of collateral weakness or deterioration by performing in-depth testing, evaluation and analysis of collateral to secure the loans to existing borrowers to verify existence. • Evaluated accounting system controls, data integrity and managerial control oversight. • Verified that… Show more Promoted to perform and generate periodic collateral reviews of Frost Capital Group and Frost Bank clients while providing independent verification of pledged collateral.• Identified and highlighted areas of collateral weakness or deterioration by performing in-depth testing, evaluation and analysis of collateral to secure the loans to existing borrowers to verify existence. • Evaluated accounting system controls, data integrity and managerial control oversight. • Verified that collateral was being reported and managed per the terms and conditions stipulated per the Loan Agreement while reviewing and evaluating borrowers’ accounting personnel and history.• Commended for communicating and escalating significant exam findings, concerns, delays, or borrower limitations to lending and credit personnel while identifying and reporting matters related to collateral risk. Show less

Nasa - Webster

Promoted for outstanding client building skills to develop and manage a client and prospect portfolio.• Ensured compliance with reporting requirements while monitoring daily client activity.• Reviewed and determined which additional products may benefit a client based on their personal financial goals and situations. • Boosted client satisfaction by applying critical thinking and problem-solving skills to resolve client-related issues efficiently and effectively and mobilize… Show more Promoted for outstanding client building skills to develop and manage a client and prospect portfolio.• Ensured compliance with reporting requirements while monitoring daily client activity.• Reviewed and determined which additional products may benefit a client based on their personal financial goals and situations. • Boosted client satisfaction by applying critical thinking and problem-solving skills to resolve client-related issues efficiently and effectively and mobilize internal teams necessary to solve escalated issues.• Recognized for demonstrating efficiency and flexibility in performing detailed transactions in a fast-paced work environment with frequent interruptions and changing priorities. Show less

Houston, Texas Area