Dwayne Leonard Email & Phone Number

Commercial Operations and Construction & Development Consultant, Tampa, Florida • Work with other Banks, Credit Unions, Local Government and Agencies to address the problems with affordable housing. • Perform an audit review of the Commercial Loan Operations. Improved processes in all aspects of the Commercial, Middle Market and SBA Underwriting, Loan Closing.• Provide guidance, training and support to Credit, Operations and Lending teams.• Broker, structure, and package new commercial loan requests for referral to banks, credit unions and investors.• Work with local developers seeking to acquire funding for affordable housing construction and development projects.

Tampa, Fl, Us

• Sr. Credit Officer overseeing the Commercial Loan Operations. Responsible for all administrative aspects of the Commercial, Middle Market and SBA Underwriting, Loan Closing, Portfolio Risk Management, and servicing teams within Business Lending Services, including Business Banking, Commercial Real Estate, C&I, SBA, and SBA PPP Lending.• Provide planning and oversight to all aspects of Commercial Lending activities.• Business credit manager / supervising the underwriting / credit analysts, administrative support workflow and credit policy.• Provide guidance, training and support to Credit and Sales teams.• Ensure product offerings are competitive within the market, as well as fuel company goals, supporting the business model. • Development and maintain credit policy and loan procedures.• Ensure compliance with Suncoast’s credit policy, NCUA and other recommended guidelines.• Evaluate and approve, or decline, credit requests within authority. • As a voting member of the Sr. Management Loan Committee, including the CFO, COO, Chief Business Development office, present recommendations to team on requests that exceed personal credit authority.• Oversee annual commercial lending portfolio loan reviews, credit analysis, loan covenant review and risk assessments.• Manage the Credit Underwriting, Closing, Portfolio Management and Business Deposit Teams.• Provide guidance and direction to supporting management and personnel.• Lead in the onboarding of new loans origination systems and work with other areas such as IT and Compliance departments.• Support Chief Business Development officer and the President/CEO.

Conway, Ar, Us

• Business credit manager / supervising the underwriting / credit analysts, administrative support workflow and credit policy.• Underwrite CRE, C & I, Construction & Development and Equipment loan requests on Conventional, SBA 504 / 7a / USDA loan products for corporate applicant requests ranging, in size, from $250M to $30MM. Ensure compliance within commercial and SBA credit policy.• Perform special financial statement analysis of business tax returns and CPA audited financial statements, typically involving complex and interlocking relationships.• Evaluate the breadth and depth of the applicant of the applicant’s financial condition.• Analyze businesses economic abilities and/or unproven or marginal management capabilities.• Ensure compliance with Bank and Governmental policies and recommended guidelines.• Evaluate and approve, or decline, credit requests within authority. • Present recommendations to executive team on requests that exceed personal credit authority.• Perform and oversee annual commercial lending portfolio loan reviews, credit analysis, loan covenant review and risk assessments.• Train personnel in the credit and financial analysis area.

Toronto, Ontario, Ca

• Underwrite CRE, C & I, Construction & Development and Equipment loan requests on Conventional, SBA 504 / 7a loan products for corporate applicant requests ranging, in size, from $101M to $4MM. Ensure compliance within commercial and SBA credit policy.• Perform special financial statement analysis typically involving complex and interlocking relationships.• Evaluate the breadth and depth of the applicant of the applicant’s financial condition.• Analyze businesses economic abilities and/or unproven or marginal management capabilities.• Determine acceptable quality of collateral and loan to value ratios.• Evaluate and approve, or decline, credit requests within authority. • Present recommendations to executive team on requests that exceed personal credit authority.• Credit risk management, including performing and overseeing annual commercial lending portfolio loan reviews, credit analysis, loan covenant review and risk assessments.• Train personnel in the credit and financial analysis area.

Orlando, Fl, Us

• Underwrite CRE, C & I, Construction & Development and Equipment loan requests on Conventional, SBA 504 / 7a loan products for corporate applicant requests ranging, in size, from $100M to $25MM, including participation loans more than $30MM.• Performs special financial statement analysis typically involving complex and interlocking relationships.• Determine acceptable quality of collateral and loan to value ratios.• Manages operations of the business lending department. Providing advice and guidance to lending management and staff.• Evaluate and approve, or decline, credit requests within authority. • Present recommendations to executive team on requests that exceed personal credit authority.• Develop, revise loan policy and procedures.• Develop new loan products, process, and marketing.• Coordinate executive meetings and scheduling, including important materials needed for Sr. Executive.• Meet with regulators, as needed, to address or resolve any concerns or issues that may arise.• Consult existing and potential borrowers on business loans and other banking products to meet their growing needs.• Develop new policies based on analysis and recommending, presenting, and obtaining approval of changes from the Sr. Executive Management Team.• Perform and oversee annual commercial lending portfolio loan reviews, credit analysis, loan covenant review and risk assessments.• Train personnel in the credit and financial analysis area and oversees the clerical department’s training.• Provide management with a verity of reports for the review and control of the loan portfolio.• Development credit information for use by lending officers or committee in the making of lending decisions.• Supervisory responsibilities according to policy, including interviewing, hiring, training, directing work, performance appraisals, reward and disciplining employees, addressing complaints, and resolving problems.

• Underwrite C & I loans, business banking loans for individuals and businesses up to $3MM.• Make final decision on all credits underwritten.• Credits over $3MM require working closely with the Sr. Credit Officer and Business Banker• Structure credit and negotiates loan terms.• Perform credit analysis on financial reports and tax returns on business loan applicants.• Evaluate the breadth and depth of the applicant of the applicants financial condition.• Analyze businesses economic abilities and/or unproven or marginal management capabilities.• Determine acceptable quality of collateral and loan to value ratios.• Prioritize work in a fast-paced, high-volume environment while maintaining accuracy and a quick turnaround.

• Underwrite federal emergency disaster assistance loans for individuals and businesses.• Make final decision on approvals.• Perform credit analysis on financial reports and tax returns on business loan applicants.• Evaluate the breadth and depth of the applicant of the applicants financial condition.• Review economic and physical injury disaster loans.• Analyze businesses with uncertain economic abilities and/or unproven or marginal management capabilities.• Calculate appropriate repayment terms.• Make recommendations on the amount and type of collateral.• Prepare loan officer report for each conclusion.