Derek Tuttle Email & Phone Number

Chubbuck, ID

• Decisioned or recommended over $500 million in commercial loans.
• Analyzed various loan types such as owner-occupied and investment real estate, lines of credit, equipment, auto, credit cards, and cash secured.
• Worked as credit administration/underwriter to approve loans in a wide range of industries. This includes the construction, agriculture, restaurant, health care, accommodation, assisted living, retail, manufacturing.
• Successfully approved and closed SBA 7(a), express, and 504 loans. Obtained a government guaranty from the USDA when appropriate.
• Extensive knowledge of construction lending practices, documentation, and regulatory requirements. Participated in the construction process for professional office buildings, large apartment complexes, warehouses.
• Experience analyzing private client relationships. Products offered included various secured (real estate, cash value life insurance, marketable securities, aircraft, and specialized equipment) and unsecured loans.

Pocatello, Idaho Area

• Managed 29 customer relationships with combined commitments of over $13 million.
• Referred customers to the PCG, retail, trust, treasury management, and merchant groups.
• Gathered and analyzed credit information for customers in various industries, including mining, retail, commercial real estate, construction, farming, utilities, food service, government, manufacturing, business.
• Used underwriting standards within US Bank’s credit policy to generate appropriate risk ratings
• Collaborated with various lines of business such as leasing, foreign exchange, treasury, corporate payments, and wealth management to gather the necessary information to perform an analysis
• Analyzed settlement and return item risk for customers that used ACH services; included these findings in the underwriting analysis

- Produced advanced financial reports to present to senior management, including forecasts; used operational and statistical data provided by internal departments and business partners to create the reports- Coordinated contingency procedures with internal business units and bank contacts when ACH/wire transfers of up to $4B could not initially be.

- Worked with the Treasurer and Controller to create Sarbanes-Oxley compliant internal controls for the Treasury Department; met with auditors on a quarterly basis to assure compliance with those controls- Acted as a liaison between banks and accounting to reduce the average account reconciliation time from two weeks to five days- Developed strategic.

Master Of Business Administration, Finance Concentration

- Selected as one of only 19 students out of 100 to provide consulting services to Catholic Relief Services in Kenya; developed a.

Bs, Finance