Butch Miller

Butch Miller Email and Phone Number

SBA Underwriting Team Manager @ Regions Bank
birmingham, alabama, united states
Butch Miller's Location
Greenville, South Carolina, United States, United States
Butch Miller's Contact Details

Butch Miller personal email

n/a

Butch Miller phone numbers

About Butch Miller

Respected and experienced underwriting and credit professional with extensive knowledge leadingunderwriting teams through SBA Standing Operating Procedures. Expert trainer in SBA SOP, and strongcommitment to building relationships and teamwork with Business Development Officers to ensure strongportfolio growth while maintaining sound lending practices. Core competencies include:Credit Analysis ● Underwriting ● Risk Management ● Commercial LendingTraining Programs ● Process Management ● Team Building ● Relationship Management

Butch Miller's Current Company Details
Regions Bank

Regions Bank

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SBA Underwriting Team Manager
birmingham, alabama, united states
Website:
regions.com
Employees:
17786
Butch Miller Work Experience Details
  • Regions Bank
    Sba Underwriting Team Manager
    Regions Bank Nov 2023 - Present
    Greenville, South Carolina, United States
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  • Sba Complete, Inc.
    Underwriting Manager
    Sba Complete, Inc. Aug 2021 - Aug 2023
    Greenville, Sc
    Underwriting Manager for SBA Complete, a lender service provider for banking institutions nationwide. Handled all aspects of the underwriting process including initial applications, lender approval, and SBA approval. Worked closely with executives at partner banks to ensure the completion of SBA-compliant credit memos where key credit risks were identified and properly mitigated.● Effectively communicated with client banks on all aspects of the loan process.● Provided loan structuring, underwriting, and pre-flight review of new loans with lenders to ensureSOP compliance and to mitigate documented risks.● Maintained professional and technical knowledge of SBA SOP and technological changes.● Assisted client banks with SBA SOP training to educate their commercial teams on proper loanstructure and SOP compliance.● Responsible for hiring new underwriters and performing weekly one-on-one coaching, careerdevelopment, and annual performance reviews.● Assisted SBA Operations Manager as needed.
  • Td
    Small Business Credit Administration Manager - Sba
    Td Sep 2019 - Jul 2021
    Greenville, Sc
    Small Business Credit Administration Manager with the responsibility for ensuring credit quality andcompliance. Provided direct coaching to the team on credit skills, career, and performance development. Responsible for underwriting, compliance, and credit monitoring for new business development within the SBA portfolio. Worked closely with Senior Management to develop procedures for the implementation of Payment Protection Plan (PPP) loans company-wide.● Assessed all credit applications, ensuring they provided a high-quality risk assessment, creditstructure analysis, due diligence, and credit presentation.● Held signature approval authority on credits within delegated limits and made recommendationson others.● Ensured that all underwriters were knowledgeable and operated within the current SBA StandardOperating Procedures and bank credit policy.● Interpreted and applied the bank’s risk management strategy, both credit and operational.●Responsible for performing complex underwriting analysis of financial statements, industryinformation, management profiles, business/product cycles, cash flow, collateral, etc. oncustomers and prospects to identify trends, measure performance, assess financial strength, andanalyze and mitigate credit risk.● Actively participated in research, preparation, and execution of borrower calls.
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  • Td
    Vice President - Sba Credit Portfolio Manager
    Td Nov 2016 - Sep 2019
    Greenville, Sc
    • Complete due diligence on all credit requests in accordance with SBA Standard Operating Procedures and TD Bank credit policies. • Responsible for performing complex underwriting analysis of financial statements, industry information, management profiles, business/product cycles, cash flow, collateral, etc. on customers and prospects to identify trends, measure performance, assess financial strength and analyze/mitigate credit risk. • Manage a credit portfolio completing annual reviews and renewals while collaborating with Relationship Managers (RM), Business Development Officers (BDO), local senior management, Credit Management and Credit Risk to ensure compliance with SBA Standard Operating Procedures and TD Bank credit policies. • Actively participate in research, preparation and execution of borrower calls. • Partner with RM's, BDO's, Credit Management and Credit Risk to address exceptions identified by internal/external auditors and/or external examiners. • Ensure timeliness and efficiency in credit process and workflow. • Support commercial banking team and recommend credit solutions that will add value to the customer. • Serve in a credit leadership role by actively participating in the training and mentoring of junior teammates to help build a strong credit culture.
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  • Td
    Vice President - Small Business Credit Officer Iii
    Td Nov 2012 - Nov 2016
    Greenville, Sc
    • Act as the final decision authority in most business loan applications while following sound lending practices, policies and procedures.• Ensure compliance with established underwriting guidelines, quality and production guidelines as well as federal banking regulations and government reporting requirements. • Assess analysis prepared by other underwriters for accuracy and compliance with policy, guidelines and procedures in all prepared loan recommendations to arrive at the appropriate credit decision (including historical financials, business and personal cash flow analysis, application data, review of personal credit bureau and business bureau reports, management profiles, business and product cycles, industry information and projected operating performance). • Independently considers, recommends and discusses alternative structures and overall assessments with market and sales personnel. • Independently prepares clear, concise written summary of analysis supporting a respective decision for business loans to include identifying any deviations from loan policy, procedures and guidelines and identification/mitigation of key credit risks and supports structures to reduce credit risk. • Identify credit applications that require Small Business Administration or other agency credit enhancements and decision respective applications accordingly. • Sets conditions of lending and is involved with post approval review to ensure conditions of lending are met or appropriately mitigated prior to loan closing. • Meets turnaround requirements of a high loan volume production department. • Indirect supervisory authority over underwriter staff and develops and administers training for the underwriters.
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  • Td
    Vice President, Workout - Team Leader
    Td Feb 2011 - Nov 2012
    Greenville, Sc
    Provide leadership support, advice and guidance to a team of four workout officers.Proactively manage a portfolio of approximately 175 workout loans in excess of $20,000,000.Analyze both credit and deposit relationships to assess risk and provide credit solutions that reduce risk to the bank.Continually monitor loans in portfolio while keeping past due loans to a minimum, proactively renewing maturing loans and managing collateral values to ensure compliance and reduce risk. Work closely with in-house and outside legal departments regarding personal and corporate bankruptcies, forbearance agreements, judgments, foreclosures, short sales and note sales
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  • Regions Financial Corporation
    Vice President
    Regions Financial Corporation Sep 2006 - Oct 2010
    Community Banking / Commercial BankingProactively developed and grew a loan portfolio from zero to 17 million dollars in four years by targeting companies with annual revenues from five to 30 million dollars.Developed banking relationships with value added services including deposit, cash management, and investment products while increasing non-interest revenue.Built and managed a portfolio of increasingly complex commercial loans and deposits while underwriting loans, obtaining approval from appropriate levels of credit administration. Managed past due credits to bank standards.Referred customers and prospects to line of business partners, including cash management, insurance, investment, trust, residential mortgage, merchant services and retail banking.Worked closely with Special Assets Department regarding problem credits and provided input and solutions.
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  • Carolina First Bank
    Vice President - Commercial Banking
    Carolina First Bank Jun 2003 - Sep 2006
    Commercial Banking Relationship Manager
  • Carolina First Bank
    Vice President
    Carolina First Bank Jun 2003 - Sep 2006
    Managed and grew a loan portfolio of 36 million dollars.Proactively called on customers and prospects to develop banking relationships for businesses with annual revenues from two to 20 million dollars.Built and managed a portfolio of commercial loans and deposits while underwriting loans, obtaining approval from appropriate levels of credit administration. Managed past due credits to bank standards (below .75% of loan portfolio).Cleared critical document and financial statement exceptions. Referred customers and prospects to line of business partners, including cash management, insurance, investment, trust, residential mortgage, merchant services and retail banking.Presented watch loan reports for problem credits and proposed solutions.
  • Southtrust Bank
    Assistant Vice President - Business Banking
    Southtrust Bank Oct 2000 - Jun 2003
    Business Banking Relationship Manager
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  • Southtrust Bank
    Assistant Vice President
    Southtrust Bank Oct 2000 - Jun 2003
    Business BankingProactively called on business customers and prospects with annual revenues up to ten million dollars.Closed various types of commercial loans, and opened both personal and business deposit accounts in a production role. Referred customers and prospects to line of business partners, including cash management, insurance, investment, trust, residential mortgage, merchant services and retail banking.
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  • Wachovia Bank
    Assistant Vice President
    Wachovia Bank Jun 1997 - Oct 2000
    Small Business BankingProactively called on customers and prospects to develop banking relationships.Developed and expanded banking relationships for businesses with annual revenues up to five million dollars.Sold all deposit and credit products including business credit cards, lines of credit, letters of credit, term loans and commercial real estate loans.Referred customers and prospects to various lines of business partners including cash management, investments, trust, residential mortgage, merchant services and retail banking.
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  • Wachovia Bank
    Assistant Vice President - Branch Manager
    Wachovia Bank Apr 1996 - Jun 1997
    Managed all daily branch sales and operations, served as branch's security officer, implemented and maintained policies and procedures, ensured compliance with federal banking regulations, resolved customer conflicts.Managed and supervised; and five tellers.Served as the branch's sales manager and responsible for expanding its portfolio of customers. Practiced consultative selling while handling complex customer relationships and borrowing needs. Proactively called on small business customers and prospects with annual revenues of less than two million dollars.Referred other business opportunities to line of business partners.
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  • Wachovia Bank
    Bank Officer - Assistant Branch Manager
    Wachovia Bank Aug 1994 - Apr 1996
    Managed all daily branch operations and served as branch's security officer.Practiced consultative selling while handling complex customer relationships and borrowing needs. Referred other business opportunities to line of business partners.
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  • Wachovia Bank
    Retail Management Training Associate
    Wachovia Bank Feb 1994 - Aug 1994
    Completed a comprehensive six month training program focusing on all components of retail branch management.
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  • Wachovia Bank
    Teller/Vault Teller
    Wachovia Bank Jul 1992 - Feb 1994
    Responsible for shipments of all branch currency to and from armored car vehicles.Responsible for accepting deposits, loan payments, cashing checks and various other consumer and business banking transactions.
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Butch Miller Skills

Credit Commercial Lending Commercial Banking Credit Analysis Portfolio Management Mortgage Lending Underwriting Lines Of Credit Cash Management Mergers And Acquisitions Credit Risk Finance Management Banking

Butch Miller Education Details

Frequently Asked Questions about Butch Miller

What company does Butch Miller work for?

Butch Miller works for Regions Bank

What is Butch Miller's role at the current company?

Butch Miller's current role is SBA Underwriting Team Manager.

What is Butch Miller's email address?

Butch Miller's email address is bu****@****ter.net

What is Butch Miller's direct phone number?

Butch Miller's direct phone number is +186490*****

What schools did Butch Miller attend?

Butch Miller attended Clemson University, Clemson University.

What skills is Butch Miller known for?

Butch Miller has skills like Credit, Commercial Lending, Commercial Banking, Credit Analysis, Portfolio Management, Mortgage Lending, Underwriting, Lines Of Credit, Cash Management, Mergers And Acquisitions, Credit Risk, Finance.

Who are Butch Miller's colleagues?

Butch Miller's colleagues are Freda Vann, Mariela Carter, Ann Grant, Felicity Bennett, Tammy Mclaughlin, Betty Gonzales, Chandra Mcghee.

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