Due to mortgage industry economic decline, appointed lead real estate workout specialist for Tarrant and surrounding counties. Managed run-off of over $80MM commercial builder loan portfolio. Work problem accounts in small business, real estate, and other credits. Work closely with all business units to proactively detect problem loans resulting in proper risk rating and reserve allocation resulting in lower losses for bank. • Responsible for monitoring Small Business/Middle Market watched and criticized assets over $1MM in Texas, Louisiana, as well as southern New York and New Jersey. Portfolio consistently exceeded $50-60MM.• Develop and execute workout strategies on various SBB loans from Real Estate, C&I, and Agricultural loans etc.• Work closely with mid/upper management to generate proper monthly and quarterly reporting. • Assure all documents and new workouts meet commercial credit policy.• Lead efforts to ready portfolio for OCC and internal loan reviews. • Maintain relationships with internal and outside legal counsel regarding foreclosure, Deeds in Lieu, Bankruptcies, and note sales.• Monitor and analyze customer financials for improvements to cure covenant violations and perform necessary due diligence before recommending upgrades.• Constantly worked to develop action plans to either rehabilitate the customer or push to move them out of the bank.

Hired into bank’s business banking area which handled commercial credits $20 million in revenue and down with credit needs up to $5 million, commercial real estate credits up to $3MM million as well as the banks private banking products. Heavily focused on cross selling depository, treasury and other non-lending products.• Appointed manager of homebuilder and other CRE lending increasing portfolio from $18 to $40 million while applying lending skills to begin focus on medical and commercial construction lending. • Generated and managed a large construction portfolio of $40 million, with over $10 million in collected DDA• During normalized economy, average closings per month of over $1MM, with pipeline sufficient to continue that rate.• Applied solid book of contacts from years of community banking in Tarrant County to originate, underwrite and close new relationships for this startup lending operation moving in from Dallas.• Assisted junior relationship managers with loan underwriting and subsequent approval and presentation of terms to prospects. Responsible for training all RM’s in credit, tax and cash flow analysis and loan structuring.• Generation and analysis of comprehensive net benefit/treasury proposals for commercial banking relationships.• Effectively negotiated credit facility terms and capturing deposit accounts for new relationships while diligently monitoring past dues, overdrafts and other delinquencies. • Utilized sociable personality and strong sense of professionalism to advance team building across business units.

• Residential construction lending• Bank participations• Mortgage loans (Set up wholesale accts with various Mortgage Lenders)• Commercial Loans and LOC’s

• Residential construction lending• SBA lending (504 and 7A) • Mortgage Loans (Wholesale and In-House)• Commercial Loans and LOC’s

• Branch Manager• Consumer Loans• Construction lending

• Mortgage Loans• Interim Construction Lending• Commercial teller