Derek H Franklin Email & Phone Number

Rock Hill, Sc, Us

Charlotte, North Carolina, United States

Lead the underwriting, risk management and overall portfolio management efforts within the middle market book of business. Actively participate as part of the relationship coverage team and call actively with RM’s on prospects. Identify risks and other issues within the book of business and prospective clients.

Charlotte, North Carolina, United States

Charlotte, North Carolina, United States

Duties: Underwrite and structure credit commercial transactions to support other bank products. Responsible for the ongoing maintenance and management of portfolio, including quickly identifying deteriorating trends and elevating significant issues to CPO. Key member of Commercial Client Team. Deliver high quality financial, industry, and economic analysis to facilitate decision making. Adhere to credit policies, guidelines, and applicable regulatory requirements while understanding and observing all aspects of the overall Risk Framework.

Duties: Manage loan production office and grow bank profitability by working directly with the Chief Financial Officers and Chief Executive Officers of small to medium sized businesses to provide needed banking solutions including analyzing financial results, developing and measuring key company metrics, and assisting with short and long range forecasting. Request, monitor, and track the timely submittal and accuracy of all relevant client financial information on a monthly, quarterly, and annual basis. Interact with internal and external regulators to ensure all applicable bank regulations are satisfied. Generated loan portfolio of $15 million. Loan portfolio clients included real estate, retail, and manufacturing companies. Examined and analyzed financial data for clients and provide specific and appropriate strategies for financial transactions and the realization of company goals and objectives.Prepared reports to senior level bank managers for the purpose of making major decisions in the areas of loan approval, loan structure, and ongoing company financial monitoring.Provided periodic client reports to senior bank managers outlining all aspects of client financial operations related to performance and risk management.

Improve bank profits by relationship banking for small to medium sized businesses working directly with their Chief Financial Officers and Chief Executive Officers. Manage and provide banking solutions for bank clients including analyzing financial results, developing and measuring key company metrics, and assisting with short and long range forecasting. Serve on and prepare monthly comprehensive reports for the Bank's Board Loan Committee approving loan transactions in excess of $2.5 million. Request, monitor, and track the timely submittal and accuracy of all relevant client financial information on a monthly, quarterly, and annual basis. Interact with internal and external regulators to ensure all applicable bank regulations are met. Managed all aspects of the client relationship including financial analysis and ongoing risk management; provided advice for short and long range forecasting and problem resolution, and supplied proactive strategies for the realization of client goals and objectives. Developed loan client portfolio from $5 million to $35 million within four years. Loan portfolio clients include real estate, retail, and manufacturing companies. Prepared reports for senior level bank managers for the purpose of making major decisions in the area of company financial needs. Mentored, trained and developed inexperienced commercial lenders.Active participant on banking Site Committee that identified new branch sites.Derek H. Franklin Page 2Maintained close contact with problem clients as it relates to collections and the establishment of alternative payment and risk mitigation plans.

Provide comprehensive commercial banking services for small to medium sized businesses by working directly with their Chief Financial Officers and Chief Executive Officers. Provide ongoing client financial analysis as it relates to company performance and risk management. Assist clients in the development of short and long range forecasting. Requested, monitored, and tracked the timely submittal of all relevant client financial information on a monthly, quarterly, and annual basis. Managed $30 million account load representing 60 clients in the real estate, retail, and manufacturing industries.Analyzed financial data for clients for the provision of appropriate financial transactions and the realization of company goals and objectives.Provided on-going banking services to client base including loans, deposits, treasury insurance, investments, leasing, mortgage, and merchant services.Prepared eight to ten client financial synopsis reports per month for presentation to senior bank managers for the purpose of documenting company performance and aiding in risk management.

Provide commercial banking support for two commercial relationship managers by managing, gathering and analyzing all relevant financial information. Manage all administrative functions including underwriting loan requests and preparing loan renewals. Performed industry trend analyses and underwriting techniques within the areas of financial accounting, loan structuring, and commercial lending.Maintained customer contact to proactively increase business relationships.Made credit decisions - approved / rejected loans within credit policy standards.Supported Credit Products Officer with ongoing monitoring of client credit relationships and evaluation of new financing transactions.Developed and used analytical skills and knowledge of credit policies, operations, products, and services to lead Client Management Team in providing services to meet customer's financial needs.