Dennis Smith Email & Phone Number

Birmingham, Alabama, United States

Assessed and reviewed SBA loan applications, ensuring compliance with SBA regulations, policies, and guidelines. Conducted thorough financial analysis, including cash flow analysis, balance sheet review, and financial statement analysis, to evaluate the creditworthiness of borrowers. Collaborated with relationship managers to gather necessary documentation and information for loan applications. Prepared credit memos providing detailed analysis and was also responsible for comparing projections to industryaverages, making adjustments to projections as needed to align with industry averages. Maintained up-to-date knowledge of lending policies, regulations, and market trends. Monitored SBA loan portfolio conducting annual reviews to assess risk, identify trends, and recommend appropriate actions.

Birmingham, Alabama, United States

Assessed and reviewed SBA loan applications, ensuring compliance with SBA regulations, policies, and guidelines. Conducted thorough financial analysis, including cash flow analysis, balance sheet review, and financial statement analysis, to evaluate the creditworthiness of borrowers. Collaborated with relationship managers to gather necessary documentation and information for loan applications. Prepared credit memos providing detailed analysis and was also responsible for comparing projections to industryaverages, making adjustments to projections as needed to align with industry averages. Maintained up-to-date knowledge of lending policies, regulations, and market trends.

Hoover Alabama

Analyzed and evaluated commercial loan applications, assessing the creditworthiness of borrowers and the financial viability of their businesses. Conducted thorough financial analysis, including cash flowanalysis, balance sheet review, and financial statement analysis, to evaluate the creditworthiness of borrowers. Assessed risk factors and determined appropriate loan structures, terms, and conditions. Collaborated with relationship managers to gather necessary documentation and information for loan applications. Maintained up-to-date knowledge of lending policies, regulations, and market trends. Collaborated with other departments, such as compliance and legal, to ensure compliance with regulatory requirements. The Commercial Credit Loan Center Manager requested that I move to this position to assist in cleaning up the portfolio. Assured that strong quality loans were only being approved through this newly formed group.

Birmingham, Alabama, United States

The primary tasks were to assure quality spreading of financials in a timely manner, then hand off to underwriting to make a decision. The new process shortened the decision time from approximately 9 days to approximately 3 days. Collaborated with relationship managers to gather necessary documentation and information for loan applications. Maintained up-to-date knowledge of lending policies, regulations, and market trends. Collaborated with other departments, such as compliance andlegal, to ensure compliance with regulatory requirements. Commercial Credit Loan Center Manager requested that I move to this position to implement the new pre-adjudication process.

Birmingham, Alabama, United States

The primary task was to spread the financials provided and make an informed decision on whether to approve or decline a loan request. Collaborated with branch managers to gather necessary ocumentation and information for loan applications. Reviewed commercial loan requests submitted by branches throughout the Regions footprint. Maintained up-to-date knowledge of lending policies, regulations, and market trends. Collaborated with other departments, such as compliance and legal, to ensure compliance with regulatory requirements. Assisted with training new underwriters as requested by team leader.

Birmingham, Alabama, United States

Reviewed maturing commercial loan requests via score only analysis and cash flowed maturing loans when required. Collaborated with relationship managers to gather necessary documentation and information for loan applications. Maintained up-to-date knowledge of lending policies, regulations, and market trends. Collaborated with other departments, such as compliance and legal, to ensure compliance with regulatory requirements. Assisted with training new underwriters as requested by team leader.

Decatur, Alabama, United States

Reviewed consumer loan requests and made informed decisions based on credit and credit scores. The primary job was reviewing indirect lending loans and establishing strong relationships with auto dealerships that were part of the indirect lending program. Maintained up-to-date knowledge of lending policies, regulations, and market trends. Served on loan committee with 3 other people who reviewed loans with sub-600 beacon scores and made decisions on requests. Also, reviewed employee loans as submitted

B.S. Corporate Finance, Investments And Securities

Activities and Societies: Lambda Chi Alpha Fraternity- University of Alabama

Education record

Huntsville, Alabama

Education record

Brandon, Mississippi