Garrett Ray Email & Phone Number

Denver

Responsible for working closely with branch personnel, Business Banking Officers and Relationship Managers to monitor the commercial loan portfolio through financial analysis and ongoing monitoring. In addition, handle loan requests of various types with high complexity.Main Job Functions include- Spreading and analyzing business and personal financial statements.- Responsible for underwriting new and renewing commercial loan requests including, but not limited to commercial and consumer real estate & construction, commercial and industrial, and SBA 7A and 504 loans.- Write detailed credit reviews and perform complex analyses, including analysis and drivers of cash flow, quality of assets and earnings, working capital, A/R Aging, A/P Aging, Inventory Turnover, potential liabilities and risks, and risk ratings.- Ensure regulatory compliance and covenant compliance of commercial loans with great exposure to Reg B- Maintain working knowledge of Bank's lending policies and procedures pursuant to credit analysis.- Ensure that internal personnel receive prompt, courteous, and accurate responses and resolves problems or complaints in a timely manner.- Meets service level agreements by completing analysis timely and accurately

Albuquerque, New Mexico Area

Lecturer for the undergraduate level Commercial Banking course where students analyze the inner operations of banks covering commercial/consumer loans, commercial bank financial statements, computations, and personal credit. Main teaching points cover the CAMELS analysis and understanding of UBPRs. Conduct Credit Analysis Cases on commercial business (C&I) and commercial real estate loans. Class revolves around financial literacy—reading, writing, and communication.Lecturer for the graduate level Management of Financial Institutions course where students learn to make managerial decisions involving the current/future operations of banks. Students analyze the safety and soundness of banking operations under the guise of a regulator using the UBPR and providing their own ratings to each of the CAMELS sections along with the composite rating of the bank. Students also compete in teams running a bank using American Banker Association’s BankExec Simulation program.Lecturer for the undergraduate level Financial Markets and Institutions course where students learn the flow of funds and how financial markets influence interest rates, credit conditions, lending, investment, and liquidity policies. Curriculum centers on money, financial instruments, financial markets, financial institutions, regulatory agencies, and central banks. Priority for the class, due to the credit bubble of 2008, focused on monetary policy and debt markets with respect to sovereignties, businesses, and consumers, as well as securitization and derivatives.Performed financial and commercial banking related research and conducted outreach for the New Mexico Bankers Association, as well, networked with depository institutions placing students in open positions.

Perform the full scope of the commercial loan process from business development and loan prospecting, credit analysis, underwriting, closing, and loan monitoring including more contact with borrowers and regulators during examinations.Directors Loan Committee minute-taker and secretary providing final signatory approval for approved credits.Spearheaded FNBSF’s Stress Testing program (Excel based) along with an innovative Early Warning Report to help proactively ascertain deteriorating credits in order to calculate the Allowance for Loan & Lease Loss report both for internal and regulatory purposes.Obtained a $23MM CRE and $3MM C&I portfolio, and while I was project manager for the Stress Test Program, I increased the C&I portion by $3MM and successfully managed a $2.4MM non-o/o CRE workout loan to full recovery.Regulatory Operations - Stress Testing, Early Warning Reporting

Perform cash flow analyses (as well as liquidity, profitability, and leverage analysis) of companies/individuals looking to obtain a commercial loan; determining their credit worthiness using corporate tax returns, statements from Accountants, company prepared financials, and other pertinent credit statements. Analysis of individuals included extensive understanding of consumer credit bureau reports and personal cash flow analyses. In all, I performed the financial analysis needed to determine the credit worthiness of the borrower and provided the proper risk rating should the credit be extended.Main activities include extensive use of Excel performing cash flow analysis of corporate and personal tax returns using RMA certified risk analysis programs and metrics, underwriting credit memorandums for loan committee meetings, industry analysis reports using eMentor/RMA, stress tests of individual loans and whole portfolios, and quarterly reports.

Personal BankerSourced and maintained relationships with customers in person and by phone. Special attention is focused on building rapport and assessing the clients’ financial situation, understanding their current and perceived financial needs and providing suggestions.Daily activities include data entry, funding, and processing new consumer and business DDA’s, trusts, and small time investments; providing excellent customer service maintaining customer accounts and resolving any discrepancies. Credit ManagerEducated customers on the various methods of establishing, and re-building their credit through the use of debt consolidation loans, FHA refinancing, and credit cards. Successfully utilized telemarketing sales techniques to ascertain credit applications for retail clients enabling the pulling of individuals’ credit reports and cash-flowing the customer, then performed the calculation for proper underwriting in order to consolidate and reduce monthly debt payments.Gained extensive knowledge of consumer credit and the credit process by analyzing credit reports and further research regarding the best ways to build credit, and the composition of how personal credit scores are calculated.

Bachelor Of Business Administration (B.B.A.), Finance

Master Of Business Administration (M.B.A.), Management Of Information Systems & Information Assurance