Brent Stull Email & Phone Number

Dallas, Tx

Dallas, Tx

Oversaw the management and administration of MidSouth Bank’s commercial loan portfolio. Ensured that all existing and future credit risks were properly identified, taking the necessary steps to address and eliminate the risks in a timely manner.• Managed a $110 million commercial loan portfolio for the Baton Rouge region with responsibility for the credit quality, data integrity and process metrics of the portfolio.• Analyzed financial statement and tax return data to determine the merits of specific loan requests and recommended structures to help manage the client relationship.• Completed annual reviews and performed loan renewals, modifications, and extensions with strong attention to detail.• Partnered with the Relationship Manager as the point of contact for the client.• Performed duties required for client maintenance such as collection of financial information, covenant testing, risk rating assessment, and the reduction of credit and collateral exceptions.• Monitored draws, agings, and borrowing base agreements on Accounts Receivable secured facilities.

Irving, Tx

Contributed to the profitability and credit quality within a portfolio of high limit commercial credit cards. Actively involved in the approval of new accounts and annual judgmental reviews for large commercial credit exposures of six and seven figures.• Effectively determined risk and exposure levels in accordance with credit policies and procedures.• Skillfully identified key risks and mitigates with precision in a deadline driven environment.• Maintained accountability for my credit decisions and understood big-picture implications from experience.• Consistently improved credit cycle times.• Analyzed all aspects of an applicant’s business to determine credit worthiness and ability to pay under the terms and conditions set forth in the credit approval to minimize default risk and maximize the bank’s profitability. This included analysis of financial statements, cash flow statements, tax returns, bank statements, and commercial/consumer credit bureau reports.• Prepared detailed written credit summaries and packages for approval within prescribed timeframe to meet business partners and customer expectations.• Understood and employed all policies and procedures of the Bank and the Commercial Card line of business.• Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process.• Displayed excellent organizational skills, strong multi-tasking capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment.• Performed and verified compliance with loan policy, Anti-Money Laundering, Know Your Customer, and all other applicable regulatory requirements.

Coppell, Tx

Improved company cash flow performance and minimized credit risk by effectively leading teams in both Credit and Accounts Receivable. Established and supported credit policies and controls.• Managed a $500 million Accounts Receivable portfolio and reduced delinquencies below 6%.• Decreased Days Sales Outstanding by over three days.• Cleared aged credits by 90% from $2.4 million to $225,000 during the past year.• Developed effective action plans that reduced new sales order credit blocks by over 60%.• Enforced successful policies that prevented bad debt expense from exceeding .03% of the company’s $3.5 billion annual sales.• Collaborated with numerous cross-functional teams to develop new measures that better aligned to the company’s key objectives.• Chaired a committee that formulated a standard routine for communicating and escalating severe risk concerns and account issues.• Served as a primary liaison to internal and external auditors to ensure satisfactory compliance ratings were consistently obtained.• Built a solid understanding of commercial bankruptcy law that minimized losses and increased recoveries.• Coordinated a new paperless credit file conversion process that provided additional strength to company contingency plans. • Created less waste and stimulated 100% team engagement.

Coppell, Tx

Led team of Credit Analysts to ensure consistent credit reviews were performed and sales risk was minimized. Managed the sales order credit release process.• Managed the credit approval process for over 1,500 active retail accounts in a portfolio carrying over $600 million in credit line. Delegated the assignment of all credit evaluations. • Created numerous performance reports including a monthly risk account watch list that was communicated and distributed to the company CEO and CFO.

Coppell, Tx

Provided timely and responsible credit evaluations on all potential and existing customers. Communicated customer performance and industry trends to upper management.• Devised the original credit policy for Retail Customer Services that added clarity to the department’s culture, expectations and requirements.• Served as primary point of contact for Credit during assimilations with Sales.

Richardson, Tx

Division Collection Analyst • Directed delinquent account collections on a $190 million financed inventory portfolio while maintaining less than a 1.75% average delinquency.• Successfully negotiated workout solutions with clients.Credit/Account Manager • Managed a $12 million floor planned inventory portfolio and supervised a team of eight Field Service Representatives for timely audit coverage.• Prepared dealer credit file reviews including all documentation and UCC filings.Field Service Representative • Audited floor planned inventory and rental portfolios in three states.• Identified irregularities to Credit/Account Manager and resolved during audits.