Cayleb Kirkpatrick Email & Phone Number

Hazel Green, Al, Us

Huntsville, Alabama, United States

• Analyze moderately to most complex SBLU credits with loan amounts typically $250M or more.• Develop credit information for use by the SBLU in making lending decisions on new, renewal and prospective loans by:o Review and analyze all pertinent credit and financial information including business and personal financial statements, business and personal tax returns, and business and personal credit reports to determine credit worthiness ofborrowers and guarantors.o Prepare all financial spreads and other financial modeling.o Determine the need for a more thorough investigation or additional information and completes that investigation.o Prepare written summary, gives oral feedback, present facts, and offer opinions concerning credit worthiness to the SBLU.• Manage pipeline workflow communicating accordingly with manager as needed.• Ensure high quality production and turnaround standards are achieved.• Assume ownership of assigned credits with little or no direct supervision• Complete nCino responsibilities including loading credit information into doc man, adding additional information, following department nCino steps, and understanding total exposure.• Monitor and help maintain the Bank’s Credit Scoring systems by calculating debt service ratios and monitoring application accuracy.• Work with loan officers over the telephone to assist them in qualifying loans.• Calculate the pricing on SBLU requests.• Apply Renasant Bank’s Loan Policies and Department Procedures consistently in the performance of assigned duties and responsibilities. • Perform other related duties as assigned

Huntsville, Alabama, United States

• Developing credit information for use by the lending officers or senior management in making lending decisions on new, renewal and extension loans.o Reviews all pertinent credit and financial information, including reporting services, credit bureaus, other companies and main office files.o Prepares all calculations for income to determine the debt service. o Determines the need for more thorough investigation or additional information and completes that investigation.o Analyses income, debt obligations and related material to determine the credit worthiness of the request.o Prepares summary, presents facts and offers opinions concerning creditworthiness to loan officers or senior management in written decisions and or in oral presentations.• Monitors and helps maintain the Bank’s Credit Scoring systems by calculating debt service ratio and monitoring application accuracy.• Works with loan officers over the phone to assist them in qualifying loans.• Keeping informed of current practices in loan underwriting, accounting, economics and credit analysis.• Assumes ownership of assigned credits with little or no direct supervision. Works independently on most credits.• Analyses the ATR credits in the bank with some assistance from the ATR manager.• Insures that all loan requests meet the Ability-to-Repay regulation implemented January 10, 2014.• Monitors and prepares all ATR consumer credit denials.

Huntsville, Alabama, United States

Developing credit information for use by the lending officers or senior management in making lending decisions on new, renewal and extension loans.o Reviews all pertinent credit and financial information, including reporting services, credit bureaus, other companies and main office files.o Prepares all calculations for income to determine the debt service. o Determines the need for more thorough investigation or additional information and completes that investigation.o Analyses income, debt obligations and related material to determine the credit worthiness of the request.o Prepares summary, presents facts and offers opinions concerning creditworthiness to loan officers or senior management in written decisions and or in oral presentations.• Monitors and helps maintain the Bank’s Credit Scoring systems by calculating debt service ratio and monitoring application accuracy.• Works with loan officers over the phone to assist them in qualifying loans.• Keeping informed of current practices in loan underwriting, accounting, economics and credit analysis.• Enforcing the override policies and process all requests for consumer overrides.• Performs other duties as assigned.

Huntsville, Alabama, United States

Provide Customer relations and services• Assist Management with management duties• Quality Assurance of UN 3291 Regulated Medical Waste n.o.s 6.2 PGII rendered sterilized for disposal.• Maintained autoclave logs by State of Alabama regulations• Signed Certificate of Destruction for clients• Supervised materials handling onsite• Supervised Pharmaceutical/ Hazardous Material Control Area• Managed Hazardous Waste Manifests for transportation from the client and to a disposal site• Performed routing of customers with Route Optix software• Managed fleet through Fleetmatics software• Assisted in Account Receivable• Supported in Vendor Registration• Managed employee time cards• Training other employees

Huntsville, Alabama, United States

Provide Customer relations and services• Assist Manager with management duties• Sell products efficiently with a monthly goal to meet• Stock merchandise• Neatly organize product• Manage to ship and receiving• Store key holder, responsible for opening and closing of the store• Responsible for bank deposit• Training other employees

Huntsville, Alabama, United States

Provide Customer relations and services• Sell products efficiently with a monthly goal to meet• Stock merchandise• Neatly organize product• Manage to ship and receiving• Store key holder, responsible for opening and closing of the store• Responsible for bank deposit

Huntsville, Alabama, United States

Huntsville, Alabama, United States

Huntsville, Alabama, United States