Cory Gates Email & Phone Number

Florida, United States

Jacksonville, Florida, United States

Cleveland, Tn

- Primary responsibility is to develop, service and expand business relationships of a $120 million +/- commercial banking portfolio for the Cleveland, TN market.- Work to lead the local credit process by working loan opportunities through the pipeline, underwriting, and managing the loan closing process. - Provide support of credit risk management through policy compliance and risk assessments on credit request packages- Support complex client servicing related to loans, payment solutions, deposits, and other business products.- Keep abreast of changing business and economic developments which impact the loan portfolio, profitability of bank and the industry in general.- Routinely enter, analyze and report client business and personal data in bank financial statement spreading models to ascertain risk. - Provide efficient analytical support to credit officers and the commercial lenders. - Update and test loan agreement covenants for credit relationships. - Calculate borrowing bases and value collateral. - Analyze business financial statements and tax returns in order to perform cash flow analysis and assess financial ratios. - Analyze and prepare credit memos on both companies and individuals for review by higher authorities within bank.- Conduct and perform research on specific industries, companies, and related trends. - Create, maintain and monitor all loan credit files within portfolio.- Worked as a team with peers to achieve status as number one region in the bank based on various credit scorecard metrics.

Cleveland, Tn

- Worke in tandem with several commercial lenders to service anddevelop a commercial loan portfolio in excess of $120 million. - Analyzed commercial credit and debt of privately held middle-market companies.- Prepared annual loan reviews of complex credit relationships in excess of $1 million total credit exposure.- Underwrote commercial debt while maintaining a focus on quality, profitability, and growth for bank.- Spearheaded a Healthcare industry project that helped influenced bank strategy on lending. - Assisted with FDIC and various other audits and projects for the local portfolio.

Cleveland, Tn

- Handled loan requests from $50,000 up to a total credit relationship of $10 million.- Utilized individual lending authority of $150,000 as needed.- Managed a $40 million +/- commercial loan portfolio.- Evaluated and extended credit and terms in accordance with policy and lending authority.- Prepared and presented to higher authority any loans in excess of individual authority.- Monitored loans to ensure complete conformity with terms and to ascertain any developing trends.- Aggressively called on potential and existing clients to maintain productivity and profitability in portfolio.- Maintained an average prospect list of 25 +/- companies/individuals through networking and cold calling efforts.- Monitored, maintained and updated sales activity, pipeline, and other pertinent information utilizing the banks contact management system.- Serviced delinquent accounts utilizing legal counsel when necessary for litigation purposes.- Developed knowledge of analyzing impact for loan pricing and structure. - Gained experience around repossessions, foreclosures, and processing of bankruptcies through workout situations.

Winston-Salem, Nc

- Completed BB&T's Leadership Development Program, a training program which was ranked "Top 20" by Training Magazine. - Program structure revolved around six months intensive training which combined on the job training and classroom instruction.- Selected for the business banking concentration which provided a foundation in understanding the core principles of commercial banking and business development.- Received formal credit training through Omega Performance with a focus on risk analysis, commercial lending, and financial analysis.

Cleveland, Tennessee, United States

Oversee credit operations via team leadership and portfolio management/ownership for assigned region.

Wilmington, Nc And Lincolnton, Nc

Master Of Business Administration (M.B.A.)

Completed MBA program. Also took several undergraduate accounting classes to enhance my understanding of basics of accounting.

Bachelor'S Degree, Finance

Activities and Societies: Delta Tau Delta FraternityStudied finance, accounting and real estate as part of obtaining my Bachelor.