Eric Cave Email & Phone Number

Columbus, IN, US

Indianaplis

• Coach analyst team for C&I underwriting for Indianapolis region on spreads, cash flow, and credit decision summary (CDS) write ups.
• Leading portfolio monitoring of past due covenants, annual credit reviews, and grid rate pricing.
• Responsible for reviews of all CDSs from direct reports prior to submission to adjudicators.
• Approval of Annual Credit Reviews of aggregate exposure $5 million and under.
• Grid Rate Pricing Team Manager - responsible for management for all grid rate priced loans for the bank. Responsible for ensuring all analysts complete covenant tests for grid rate pricing accurately and in a timely.
• Responsible for hiring/interviewing all new incoming analysts as “talent pipeline” for the commercial sales team for the Indy region.

Columbus, IN

• Review and approve commercial loan requests up to $1,000,000 in credit approval authority.
• Experience underwriting loans up to $10,000,000 in aggregate credit exposure.
• General Underwriting in C&I and small business for: owner occupied real estate, working capital lines, and term equipment loans.
• Specialization in SBA underwriting experience with understanding in structure and qualifications of loans for 7A, Express, and 504 programs.
• Experience in Ag Underwriting with knowledge in accrual adjustments for cash flow analysis, FSA program reviews, and general Ag industry lending.

Columbus, Indiana

• Guiding banking center to consistently achieve monthly sales quota in consumer accounts, credit cards, loans, and annuity production.
• Monthly external sales calls profiling prospect/current clients for bank's work life program, personal banking, business banking, and wealth management opportunities.
• Daily coaching of associates to achieve and exceed sales and referral goals.
• Review of financial reports, loan applications, client accounts, to manage risk and maintenance existing clients.
• Excellent client relations by acting as an advisor with bank and annuity products, meeting with clients to identify financial needs, and help guide them to financial success.

Seymour, IN

• Analysis of daily financial reports, loan applications, client accounts, to manage risk and identify existing clients’ banking needs.
• Monthly external sales calls with Business Banking Center Manager profiling prospect/current clients for personal banking, business banking, and wealth management.
• Daily coaching of associates to achieve and exceed referral goals and guiding banking center to consistently achieve monthly sales quota.
• Excellent client relations by acting as an advisor with bank and annuity products, meeting with clients to identify financial needs, and help guide them to financial success.

Consistently achieving monthly sales quota for Retail Compass Program.Coaching of tellers to meet & exceed compass sales criteriaDaily telesales contactsClient/prospect client profilingExcellent client relationsNew deposit relationshipsLoan Officer: Home Equity Loans, Personal Loans, Vehicle Loans, and Credit Cards

Daily cash managementClient courtesy callingCheck orderingExcellent client relationsAnalysis of daily Banking Center report activityPerformance of monthly audits

Daily cash managementCustomer courtesy callsProduct ordering for: Checks, Debit CardsConsistently achieving quarterly sales/referral quota.Excellent customer service.

Masters, Business Administration

B.S. In Business, Finance

Activities and Societies: IUPUC Business Society