David Frances Email & Phone Number

Provo, Utah, US

• At CCBank, I serve as the Chief Credit Officer / Executive Vice President, and am entrusted with spearheading the credit strategy and loan production for a growth-driven community bank. In this capacity, I focus on.
• Serving as the Credit Officer for Bank Fintech Partnerships, fostering collaborations that enhance lending capabilities and customer experience.
• Championing the successful implementation of the Paycheck Protection Program (“PPP”), orchestrating the processing of approximately 500 loans totaling $70MM. Innovatively, I facilitated automated forgiveness through.
• Directly interfacing with auditors and regulatory bodies such as the FDIC and Utah Division of Finance, ensuring compliance and fostering transparency.
• Delivering impactful presentations to the organization’s Board of Directors and serving as the Chairman of the Loan Committee, effectively communicating strategic initiatives and driving consensus.Key Achievements:
• Successfully navigated the challenges posed by the COVID-19 pandemic, proactively responding to borrower deferral requests and implementing lending programs to support the PPP under the CARES Act.

Orem, Utah, US

As a Board Member at Security Home Mortgage, I leverage my expertise to guide the strategic direction and growth of this leading residential mortgage company. My role involves overseeing key initiatives, ensuring compliance with industry regulations, and fostering innovation to enhance customer experience and operational efficiency. I am committed to.

Willamette Community Bank is a community bank founded in Albany by citizens and businesspeople to preserve local decision-making and support the community. We remain true to our founding principles in all the communities we serve.

• Recruited to assist the Federal Deposit Insurance Corporation (FDIC) with a Receivership for a failed bank in New Orleans, LA. Responsibilities include:
• Led a team of Receivership Assistance Contractors charged with the management of the assets of a failed Insured Depository Institution (IDI) in accordance with statutory mandates.
• Provided expertise in the management of Maritime assets for resolution in a fair and cost effective manner.
• Advised FDIC’s Post Closing Asset Managers (PCAM’s) on complex receivership assets.
• Drafted Large Assets Status Reports (LASR’s), Cases, and responses to Congressional Inquiries. Key Achievements:Subject matter expert on complex Maritime assets and workout loans. Drafted responses to Congressional.

Goodyear, AZ, US

• Recruited to lead and rehabilitate the credit culture at a $50MM+ community bank. Responsibilities include drafting policies and procedures, managing lending staff, developing new business prospects and leading risk.
• Analyzed commercial and consumer loan requests for viability and extension of credit.
• Completed credit analysis and approved loans within assigned authority limits.
• Monitored daily credit operations and mentored junior officers.
• Presenting monthly to Board of Directors and subcommittees of the Board.
• Interfacing with Regulators.

• Provided financial expertise on credit information, loan policies, and procedures to commercial banks, credit unions, and finance companies while improving portfolio quality. Key Achievements:
• Contributed to improving commercial and consumer credit administration, underwriting, commercial loan workouts, leasing management, and Other Real Estate Owned (OREO) sales efforts.

Provides day to day supervision of the Credit Administration process. Oversight includes duties such as ensuring new loans adhere to Credit Policy, ensuring credit and monitoring exceptions are kept at or below Board-approved levels, providing guidance on new lending opportunities, and assisting the Chief Credit Officer wherever needed in the managing and.

• Spearheaded efforts to develop a workout culture de-novo for a $5B+ bank holding company. Created risk-based pricing model. Participated in the development and revision of Loan Policies, Procedures, and concentration.
• Directed commercial loan restructuring and workout activities including OREO disposition.
• Played a key role in improving credit quality metrics resulting in a favorable termination of the institution’s Consent Order.
• Served as a voting member of Executive Credit Committee.
• Championed efforts to reduce NPAs / Capital.
• Reduced Classified Assets / Capital.

• Played a key role in driving growth from $2.5B in 2000 to >$15B by 2008. Established the bank’s workout culture de novo including watch loan process, early warning system, and workout philosophy. Supervised and.
• Contributed to the implementation of a dual risk rating system.
• Developed Loan Policies and Procedures.
• Liaised with audit (internal and external), credit, risk, loan policy, and regulatory officials.
• Directed due diligence teams on acquisitions to evaluate loan portfolios of target institutions.
• Introduced sub and nonperforming loan sale transactions, which improved balance sheet.

US

• Tenure with Bank One Corporation represented a very successful career spanning almost ten (10) years in positions of ever increasing responsibility and authority. Relocated several times to accept challenging positions.
• High volume business banking environments;
• Specific, directed efforts on large $100mm+ real estate, commercial and industrial credits;
• Commercial Mortgage Backed Securities (CMBS) portfolios;
• Developed three (3) de novo commercial loan workout departments;
• During my last three (3) years I was involved in the de novo implementation of a Portfolio Management Center located in Akron, Ohio, and ultimately staffed up to approximately 120 credit quality professionals.

New York, New York, US

Assistant Manager of a commercial and small business workout and recovery unit for Citicorp National Services. Participated in the consolidation of the Boston and Atlanta remote sites into the Columbus, Ohio facility. Developed a collection agency out-sourcing placement model for commercial and small business charge offs to 3rd party collection agencies.

Cincinnati, Ohio, US

Responsible for the collection of delinquent commercial loans

Master'S Of Science Data Science, Data Science, Analytics, And Machine Learning

Master Of Science - Ms, Management And Leadership

The Wharton Leadership School Certificate, Banking

Master Of Business Administration (Mba), Business Administration And Management, General

Bachelor Of Science (B.S.), Business Administration And Management, General

Education record

Leadership Development