David Bybee Email & Phone Number

Fishers, Indiana, United States

Senior credit officer over a growing Government Guaranteed Lending (GGL) platform located in Fishers, Indiana, but with a national reach. In this role. Credit authority and decision making over all SBA 7a lending opportunities and strong voice in supporting any SBA 504 and USDA loans that exceed my credit authority directly to the top of the house. Responsible for ensuring that credit decisions are well documented, supported and meet the requirements of the various governmental organizations providing guarantees. The role requires leadership and support of credit personnel within the group and representing credit in the overall management decisions of the GGL group. Interaction with other leadership positions within the GGL to improve policy and procedure to scale the business model to support the growing environment. Also, interaction with the top of the house in setting the proper direction and goals of the department to meet the strategic direction and expectation of the GGL group.

Atlanta, Georgia, United States

Credit approval authority over SBA 7a lending.

Atlanta, Georgia, United States

Serve as the Team Lead over the credit underwriting and approval function of government-guaranteed loans, primarily SBA. This role includes the management of four full-time credit officers and also of the portfolio management aspects of the current GGL portfolio. Credit authority in this position is $5,000,000. This group routinely handles the underwriting and approval of approximately $100+ million in originations annually. Credit quality has remained strong despite the heavy volumes being produced. The role also serves as the intermediary between the lending function and the back-end closing function requiring communication with not only internal partners, but clients, third-party professionals and the SBA. Communication up and down the reporting chain is required with direct interaction with the Chief Credit Officer and production leads.

Alpharetta, Georgia

Management of the overall credit function of a $400,000,000 bank including credit underwriting, credit approval, loan closings, loan operations, and portfolio management. The lending function heavily emphasizes SBA and USDA lending generating over $80,000,000 annually and a portfolio that approximates $600,000,000. Managed identification, measurement, monitoring, and control of credit risk dealing with the entire loan portfolio including preparation of the ALLL. Work closely with the board of directors and the executive team to establish appropriate strategic directions and risk parameters in the lending function. Provide detailed reporting on credit conditions of the loan portfolio to the board of directors also serve as an executive management representative on all board committees.

Lawrenceville, Ga

Oversaw loan approval up to $7,500,000 and served as a co-signer with authority over bank’s legal lending limit. Provided approvals for all areas of lending function, including commercial real estate, community banking, consumer lending, private banking, SBA, C&I, and purchases of consumer and mortgage paper. In addition, oversaw the management of third-party relationship with Fintech firm, annual financial reviews of third-party vendors, and approval of indirect auto relationships, as well as assisted with ALLL analysis. Ensured credit decisions complied with bank’s risk parameters, underwriting clearly- documented reasons for credit decisions and appropriate grading of loans. Worked with frontline lenders to ensure structure, terms, collateral, and underwriting met bank’s approved policies and procedures.Collaborated with lenders in finding solutions to meet needs of customers while still ensuring soundness of credit decisions. Developed, implemented, and enforced loan policies and procedures consistent with risk parameters established by board and executive management. Managed identification, measurement, monitoring, and control of credit risk dealing with entire loan portfolio. Set appropriate risk parameters to govern mix of loan portfolio and ensured no single segment caused undue stress on bank, reporting of concentrations and risks, and informing board and executive management of information to enable establishment of appropriate strategic direction.

Lawrenceville, Ga

Chief Risk Management Officer of a $1.5 billion financial institution in the greater Atlanta metropolitan area. In this executive management position I Held direct responsibility for audit, compliance, community reinvestment, anti-money laundering, and loan review functions of the organization. Built effective enterprise-wide risk management function to ensure proper monitoring, measurement, and control of all significant risks, as well as effective communication to directorate and senior management. Managed direct regulatory relationship during troubled period, as determined by regulators. Provided progress reports and maintained good working relationship with regulators. In this role I moved bank forward on plans to improve regulatory relations and its overall condition and increased profile of risk management function, as well as board and executive awareness of function’s importance.

Responsibilities centered on resolving the special assets portfolio of the bank. Other responsibilities consist of the general oversight and reporting of regulatory requirements associated with CharterBank's recent purchase and assumption of the assets of the former Neighborhood Community Bank.

Responsible for the overall credit risk in a $225 million community bank located about 45 miles southeast of Atlanta, GA. Responsibilities include reporting to the board of directors, internal reporting requirements, coordinating external reviews and approval and review of significant credit exposures to the bank.

Greater Atlanta Area

As a Senior Examiner I was responsible for leading examination and inspections of community banks located in the Southeast. In this role I was responsible for evaluating the overall financial condition and risk management practices of financial institutions. At the conclusion of these examinations a succinct written and oral presentation direct to internal parties and institutions' management and directors was provided.

Dallas/Fort Worth Area

Successively promoted to positions of increased responsibility based on consistently exceeding goals and expectations. Oversee examinations of bank holding companies and banks ranging in size from $10 million to $10 billion in assets across the Southwest. Challenged in each case to meet aggressive deadlines and produce a thorough and insightful examination.These examination included defining/sharing best practices to improve productivity, accuracy and risk management of the institution. Reviews included all operating areas of bank including Accounting, Organizational Structure, Internal Controls, Liquidity, Credit Risk Management, Reputational Risk, and Foreign Transactions. Provided succinct oral and written reports to numerous stakeholders regarding regulatory compliance, process improvements and overall bank condition. Earned a reputation for delivering reports within guidelines and generally early.