Brett Ayers Email & Phone Number

US

• Manage/direct Commercial and Consumer/Retail team. The team is made up of four members.
• Our responsibilities include underwriting all commercial credit opportunities that are brought to the bank. This includes making sure we have all of the information needed to underwrite and make a decision regarding.
• Our team starting in 2023 began the process of migrating all of the commercial underwriting from Wolters Kluwer to nCino.
• Execute all of the annual reviews on loan relationships over $1MM as well as designated percentages for loans between$500K and $1MM and loans under $500K. This process is designed to satisfy two things- Internal and.
• Engage with the relationship managers when asked to help out with a potential borrower and or in discussing aspects of commercial credit with current borrowers to provide a more complete experience for our current and.

Oak Ridge, NC, US

• Stepped into the role of Chief Credit Officer after the bank had been looking for nearly a year for a CCO. Manage the credit underwriting and risk analysis team as well as perform the CRA officer duties for the bank..
• Engaged in continuing efforts streamlining the loan approval process through credit quest as a larger part of the Finastra suite of commercial loan products.
• Partnered with the CEO to put on a range of alternative investments, primarily regional bank sub debt issuances with a dollar weighted rate of over 5%.
• Board approved an increase in CCO lending approval limit to $4 Million within the first two months of my tenure.
• Perform the duties of the banks Chief workout Officer as well as establishing a monthly CRA committee meeting.

Oak Ridge, NC, US

Chief Credit Officer and Chief Commercial Lending Officer- Lincoln 1st Bank was placed on consent order from the FDIC from an audit that took place four months before my arrival. Bank was engaged in monthly meetings with the FDIC as well as other regulatory bodies in the state of New Jersey. The bank had not effectively been lending commercially since.

Cupertino, California, US

LENDonate is a new nonprofit financial ecosystem, the next generation of impact investing. Our marketplace lending platform is a unique network where individuals, foundations, impact investors, banks, and nonprofits leverage their collective power for the greater good. Nonprofit borrowers can showcase their programs on LENDonate and efficiently receive.

Chicago, IL, US

Developed financial, cash flow, and data comparison analytics. Created two major group reports and client financial budget analysis. Worked with controller for quarterly reporting. Achievements:Prepared accurate reports for risk analysis and security for $115 million real estate portfolio. Assembled five data sources for imbedded excel formulas analysis..

Fuquay-Varina, NC, US

Performed monthly credit reviews for 90 to 120 loans. Analyzed credit soundness, collateral and documentation. Vetted third party vendors quarterly.Chaired monthly credit risk meeting with CEO/CCO, regional heads and one sitting board member. Achievements:Reduced monthly report processing time from three to five days to one. Worked with software vendors to.

Pittsburgh, Pennsylvania, US

Prepared quarterly reviews of large corporate loans. Designed targeted reviews to analyze risk. Provided independent oversight of the lending portfolio to ensure compliance with financial laws and regulations. Reviewed bank’s policies and procedures for lines of business including CRE, IRE, C&I, Leveraged Lending, Equity Sponsorship, Tax Based Lending.

Cincinnati, Ohio, US

Served as field underwriter and portfolio manager with lending authority up to $1 million. Worked with five business banking loan-officers producing revenues $500,000 to over $20 million annually. Achievements:Developed new loans within the greater Raleigh area expanding loan book from $2 million to $15 million within nine months.

Southern Pines, NC, US

Served on approval team underwriting $1 million plus exposure relationships. Performed annual reviews and worked with loan officers and regional directors to structure large loans. Provided monthly interest rate shock analysis for the loan portfolio and compiled county-by-county financial condition and movement reports and risk assessments..

New York, NY, US

Bachelor Of Arts, Double Major-Economics & History

Certificate Of Completion, Banking, Finance And Capital Preservation