Grant Wells Email and Phone Number

-Underwrote CRE and C&I renewals for real estate developers, businesses, and corporations to assist the bank in better understanding the borrower’s risk associated with debt financing and to forecast potential returns- Formulated Credit Approval Reports (CAR) evaluating exposure levels, examination of guarantors’ wealth, global cash flow models, borrowers' repayment sources, and valuations/current condition of collateral for approval by credit officers and lenders- Analyzed commercial real estate using Co-Star reports, capitalization rates, absorption rates, current/projected tenant occupancy, & economic growth data to understand and calculate property valuation, loan-to-value, risk grades, and opportunity for investments- Conducted research on current/projected market conditions, industry analysis, real estate investments, and borrowing interest rates to efficiently price loans and set term conditions in a volatile market environment - Constructed cash flow projections for businesses and real estate developers to forecast the profitability of land improvements- Presented CAR to loan/credit officers for approval and effectively communicating borrowers' financial condition to mitigate risk

-Formulated financial reports and spreads from tax returns, personal financial statements, company-prepared statements, and audits-Created cash flow models for high net-worth individuals, businesses, and real estate properties to obtain & project creditworthiness-Examined financial reports using CreditQuest to evaluate company liquidity, profitability, and global debt service -Facilitated a stress testing project on commercial portfolios for loans priced on a variable/fixed index in a rising rate environment to obtain a deeper understanding of the existing risk credits carry upon maturity-Assisted in credit monitoring on existing portfolios using covenant compliance tests and annual reviews to ensure loan compliance

-Managed a successful team of 20 to 30 employees during high customer volume through effective communication and leadership-Developed new efficient customer flow systems to improve day-to-day store operations leading to a higher growth in sales-Assisted in leading employee development and training resulting in higher employee productivity-Maintained top 20% for overall customer satisfaction company-wide by ensuring proper implementation of corporate policy

- Customer Service (Implementation of the CORE 4 and the HEARD model)- Efficient in identifying and resolving bottlenecks- Led the order-taking team to improve order accuracy- Engaged in leadership training