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As a VP - Credit Analyst Manager at TexasBank, I oversee the credit quality and underwriting of various types of loans, ranging from commercial real estate to C&I. I have previously managed a team of up to 13 professionals, primarily made up of Credit Analysts, providing them with mentorship, guidance, and support.With over 11 years of experience in the banking industry, I have developed and refined my skills in financial analysis, credit underwriting, identifying problem loans, and policy formulation. I have also led and participated in several strategic initiatives, such as transitioning the bank to a centralized consumer lending department, implementing a new loan origination software, and conducting due diligence for a potential acquisition target. My mission is to deliver sound and prudent credit decisions that align with the bank's vision and values.
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Vp - Credit Analyst ManagerTexasbankKrum, Tx, Us
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Vice President - Credit Analyst ManagerTexasbank Sep 2024 - PresentFort Worth, Texas, Us
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Vice President - Credit OfficerFirst State Bank Mar 2022 - Sep 2024Gainesville, Tx, Us-Attained SVP-level credit approval authority as well as joined Officer's Loan Committee (up to $3MM) as a voting member-Developed new and refined existing commercial loan policies which were approved by the Board of Directors-Participated and led collection efforts for both commercial and consumer loans -
Credit OfficerFirst State Bank Nov 2020 - Mar 2022Gainesville, Tx, Us-Led a high-performing team of up to 13 professionals, primarily comprising of Credit Analysts, in consistently exceeding organizational goals and objectives-Decreased underwriting pipeline days to assign by 71% and days to underwrite by 45% within 6 months through providing support and guidance to all Credit Analysts as well as streamlining processes within the Bank's underwriting templates-Reviewed all loan packages prior to being submitted to their respective Loan Committees and alerted Executive Management of potential problem credits-Created and adjusted job descriptions and growth paths for the Credit Analyst and Consumer Lending Departments to align with Executive Management's vision-Completed Next Level Leadership training (5 classes) by Trey Ramsey of Evolve Coaching Group
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Senior Credit AnalystHappy State Bank Jul 2020 - Nov 2020Amarillo, Tx, Us-Compiled credit packages, predominantly comprising of loans exceeding $10 million, with committed exposure reaching up to $60 million, for presentation to the Super Executive and Metroplex Executive Loan Committees-Managed a team of four interns by assigning tasks, reviewing work, and providing mentorship -Selected to be on a due diligence team of individuals which evaluated credit quality of a potential acquisition target-Monitored, reviewed, and compiled reports for Senior Officers on $400+ Million in loans impacted by the COVID-19 Pandemic for multifamily, hospitality, restaurant, and entertainment industry segments-Mentored and developed less experienced Credit Analysts-Gained experience editing complex formulas and macros within Microsoft Excel which included light to moderate use in Microsoft Visual Basic for Applications by creating and implementing new underwriting templates -
Credit Analyst IiHappy State Bank Dec 2019 - Jul 2020Amarillo, Tx, Us
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Credit Analyst I - Banking OfficerFirst United Bank Aug 2016 - Dec 2019Durant, Ok, Us-Compiled credit packages for presentation to Credit Committee for loans in upwards of $13MM+ and $30MM+ committed exposure-Quickly and accurately spreads tax returns and company prepared, reviewed, and audited financial statements -Managed past due and maturing reports -Prepared and analyzed balance sheet, income statement, indirect cash flow, ratio & trends, and global cash flow spreads to ensure proper debt service coverage and borrower health-Analyzed guarantor financial capacity, ownership structure, guarantors background, relevant market research, collateral value and environmental risk-Experienced working with customers on obtaining information for credit memorandums and analysis-Utilized CASH software to track and monitor clients’ compliance with covenants-Worked towards satisfying all technical exceptions for the lender-Knowledgeable about the banks internal risk grading system and maintaining a $56MM+ scorecard portfolio -
Credit Risk Summer Intern (Credit Analyst Assistant)First United Bank Jun 2016 - Aug 2016Durant, Ok, Us-Supported Senior Credit Analysts by building memorandum credit packages for presentation to Credit Committee-Developed skill set to accurately spread customer financial statements and tax returns in CASH spreading software-Analyzed financial statement spreads (income statement, balance sheet, global cash flow, etc.) -Experience working with Loan Officers on obtaining information for memorandums and analysis-Managed and updated analyst pipeline-Updated the existing scorecard portfolio for two Senior Credit Analysts
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Bank Teller I Grade 2First United Bank Aug 2013 - Jun 2016Durant, Ok, Us-Processed various transactions ranging from checking deposits to loan payments-Head ATM Teller for balancing ATM drawer and handling ATM complications-Answered questions about the banks products and services-Trained to balance all vault drawers along with own drawer-Answers customer inquiries regarding service charges and account histories, while adhering to all policies-Access to debit cards and their individual transactions -Ability to place holds on accounts for uncollected funds, unless pre-approval is obtained from Officer/Supervisor-Responsible for good judgment and ability to make on-the-spot decisions regarding customer transactions, and weighing customer satisfaction with bank exposure to loss or fraud
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Front End SupervisorRoss Stores, Inc. Jun 2012 - Apr 2013Dublin, Ca, Us
Austin Hughes Skills
Austin Hughes Education Details
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University Of North TexasFinance -
Texas Tech UniversitySchool Of Banking
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Weatherford CollegeGeneral
Frequently Asked Questions about Austin Hughes
What company does Austin Hughes work for?
Austin Hughes works for Texasbank
What is Austin Hughes's role at the current company?
Austin Hughes's current role is VP - Credit Analyst Manager.
What is Austin Hughes's email address?
Austin Hughes's email address is au****@****ank.com
What is Austin Hughes's direct phone number?
Austin Hughes's direct phone number is +158092*****
What schools did Austin Hughes attend?
Austin Hughes attended University Of North Texas, Texas Tech University, Weatherford College.
What skills is Austin Hughes known for?
Austin Hughes has skills like Customer Service, Time Management, Data Entry, Teamwork, Sales, Retail, Microsoft Excel, Inventory Management, Microsoft Word, Microsoft Office, C.a.s.h. Bank Software, Creating Credit Packages For Presentation At Credit Committee.
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