Keith Chalmers Email & Phone Number

Johnson City-Kingsport-Bristol Area

Ballantyne, North Carolina Area

Ballantyne, Nc

Established and enforced lending policies and procedures for all aspects of the Bank's credit productsEvaluated each credit request, analyzing personal and company information to assess and provide a comprehensive summary of the high risk components, salient information and recommended decision for lines of credit, loan extensions, commercial real estate loans, non-owner occupied real estate loans, consumer credit loans, construction loans and asset based lines of credit.Worked within approved loan authority parameters when approving credits. Worked directly with lending personnel on structure of loans, especially larger/more complex credit facilities and assist lenders with the management of the Bank’s most tenured borrowing relationships.Monitor risk profile of borrowers and groups of borrowers within assigned portfolios.

Lexington, North Carolina

Responsible for identifying, structuring and underwriting commercial credit facilities in a manner which achieves the bank's profitability goals while staying within risk parameters.Responsible for the Portfolio Management of a large C & I and CRE portfolio which includes completion of periodic reviews, interim financial analysis and associated due diligence. Obtaining all financial information necessary to properly monitor and assess the risk of the credit. Calculating and testing covenant compliance. Collection of past due accounts and overdue financial reporting/document requirements and reviewing appraisals and environmental reports.I also manage a multi-million dollar portfolio of complex commercial, private and business banking credit relationships for the Bank. These credit relationships are strategically negotiated to improve the bank's leverage position in order to maximize the economic outcome for the Bank.Proactively identify problem credits through past due management along with interaction among the retail, private and commercial banking teams. Develop, negotiate and implement creative workout, restructures, disposition and recovery strategies with a focus on risk management and credit quality.

Credit specialist with 23 years banking experience. Cultivated and retained banking relationships through various engagements including loan and deposit products, client consultations and value added service. Successfully structured and maintained a commercial loan portfolio and was responsible for analyzing financial data on each credit request presented for approval.

B.A., Business Administration

Activities and Societies: Senior Class President, Student Government Association, Business clubs.

Education record