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..

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.

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.

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.

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.

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.

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.