Structure, underwrite and approve small business loans, lines of credit and owner-occupied real estate loans.

Saint Louis, MO

Develop new commercial real estate loans and increase other business opportunities in the small business community.

Developing new owner-occupied and commercial investment real estate loans, as well as traditional business lines of credit, primarily in the greater St. Louis area.

Develop new business, determine debt capacity, analyze cash flow and manage a portfolio of 50 commercial mortgage and C&I relationships totaling $25 million. Analyze financial condition and determine credit repayment ability on complex credits. Oversee file documentation and collateral exceptions. Developed new loans of $15 million and managed portfolio of $25 million.Approved new business credit card accounts company-wide.Established relationships with numerous financial institutions to increase loan participations by $1 million.Reduced past dues to $0 of portfolio.Appointed to Executive Management Success Sharing Team

Marketed and sold life & pension loans and commercial mortgage-backed security loans of more than $50 million annually. Developed financial budgets and analytical spreadsheets. Managed loan closing and documentation. Performed asset management on $20 million in loans annually.Managed client relationships on commercial real estate loans ranging from $1.5 million to $50 million each that produced more than $200,000 in fee income.Successfully developed discounted cash flow models and NPV statements on loans up to $50 million that resulted in more than $200 million in new loans.Managed and performed annual property asset evaluations on more than $500 million in commercial real estate loans that generated more than $150,000 in annual servicing revenue.

•Develop annual revenue and expense budgets for parish•Monitor monthly financial condition of parish•Prepare capital budgets and analyze cash flow•Assist pastor in managing parish resources

Structured and underwrote life & pension loans and commercial mortgage backed security loans. Presented loan proposals to Credit Committee on loans totaling more than $200 million. Marketed commercial real estate loans to life insurance companies. Managed closing and loan documentation process.• Managed credit risk on commercial real estate loans ranging from $1.5 million to $20 million.• Developed credit enhancements to mitigate repayment risk and protect collateral position.• Underwrote and securitized more than $250 million in commercial real estate loans.