Frank Oberlin Email & Phone Number

Guthrie, OK, US

Responsible for the Loan Portfolio asset quality, loan administration, doc prep, credit underwriting, CECL ACL,, portfolio stress testing, Loan Policies and Procedures.

Laredo, TX, US

• Lead a team responsible for the credit quality, loan review, credit analysis and underwriting, companywide CECL calculation and supporting memo, note and document preparation, and policies and procedures for a $2.9B.
• Reduced overhead by 35%, while increasing underwriting and loan review through-put by 18%, and disposition of OREO assets.
• Instilled a culture of credit support for the production loan officer staff, while tightening credit standards based on current position in the economic cycle.
• Formulated, designed and implemented the SBA PPP lending and forgiveness programs for the entire holding company.
• Train 6 credit analysts in finance, risk analysis, collateral evaluation, underwriting, and loan documentation and presentation for the future of the bank.

• Provided executive and operational leadership for a multi-disciplined custom steel, aluminum and stainless fabricator specializing in water and wastewater treatment plants and structural steel for commercial projects..
• Instituted a lean manufacturing program that cut cost of goods sold by 7%, shop supplies by 22%, overhead by 11% and improved production through-put by 50%.
• Directed all aspects of the business including but not limited to: bidding, estimating, sales, vendor and project management and contract negotiations.
• Led and grew the business from $780K in revenue at acquisition in 2011 to $4M in gross revenue with a 72% compound annual growth rate.
• Proceduralized the entire process from A to Z bringing order and predictability to both the revenue stream and expense cost control.
• Implemented a company-wide safety and safety training and monitoring program that dropped the work comp modifier to.70.

• Directed and managed all business units for the Hilton Head Island, SC and Savannah, GA markets. This included full P&L responsibility, start-up, staffing and operational activities including management and.
• Maintained stakeholder communication and buy-in via regular reporting to the company’s investment committee, equity partners, and lenders.
• Oversaw zoning, land development agreement, entitlements, platting, land planning and due diligence.
• Acquired and developed 230 lots in the Hampton Lake MPC, including a $16M acquisition component and $90M total capital budget, at a 14.52% net profit margin.
• Acquired a 187-acre parcel in Savannah’s Southbridge MPC, turning around staunch NIMBY opposition by working with the residents, gaining their buy-in and support.

• Responsible for the $382MMM strategic capital plan to shift Taylor Woodrow, Texas from an MPC land developer to a homebuilder, increasing closings from 52 to 296 and revenue from $26.7MM to $97.4MM in under three.
• Developed over 400 residential lots, major entry roadway expansion, multi-million-dollar amenity center, the University of Texas Golf Course, and expansions of the water and wastewater treatment plants while.
• As Director of Sales and Marketing escalated Steiner Ranch’s stature from the 13th ranked subdivision in the Austin market selling fewer than 80 homes per year to the #1 position, holding that position for 8 of 10.

Bachelor Of Science (B.S.), Construction Management

Masters, Accounting