Debra Strait Email & Phone Number

Dallas Tx

Dallas, Texas

Plano, Tx

-Responsible for assessing credit risk in small business banking and commercial real estate.-Validate the accuracy of internal “Probability of Default” and “Loss Given Default” risk ratings; authorized by Risk Management to direct changes to inaccurate or imprudent risk ratings.-Assessed the quality of the identification, measurement, management and reporting of risk in the portfolio and transaction.-Evaluated the adequacy of and adherence to credit policy, credit underwriting standards and procedures, and regulatory guidance. Identified any material gaps that would require a corrective action plan by the portfolio and business management.

Dallas, Tx

-Performed in depth underwriting and credit analysis for the Private Bank Service Group.

Plano Tx

-Managed the Small Business Portfolio inclusive of lending and deposit relationships for growth and retention.-Performed in depth underwriting and credit analysis for existing portfolio and new relationships.-Assisted in development of sales process training and coaching across retail branch network.

Dallas, Tx

-Small Business Relationship Manager-Business Development working with Direct Sales Officers to grow and retain assigned small business portfolio.-Performed in depth underwriting and credit analysis in Business Resource Center with focus on SBA start-up businesses and 7(a) loan products.-Successfully managed high traffic branch location at Parker and Dallas Parkway, Plano, TX and met growth goals.

-Developed and managed Asset/Liability Policy and Procedures for monthly reporting on holding company and subsidiaries.-Liaison with FDIC and State Bank Examiners during on-site audits and provided monthly reporting to the State Bank Department.-Worked directly with regulators to establish Trust Powers for the holding company.-Managed investment portfolio for holding company subsidiaries and high net worth shareholders.-Prepared monthly reporting for Board of Directors.-Successfully managed first branch location in Hot Springs Village, AR meeting growth goals in the second year of operation.

Bachelor Of Business Administration - Bba, Business Adminstration

Banking And Financial Support Services

Three year program for Senior Managers held at SMU for two weeks in bank management.