Executive responsible for designing and implementing the lending and credit side of the bank. Wrote lending policies, guidelines, and credit risk appetites. Assessed multiple Loan-Origination Systems. Selected and implemented Baker Hill Loan Origination System. Helped design the banks Precious Metal Loan Program (B2C & B2B2C), which will be one of the first precious metals lending program in the banking industry. Interacted with investors, PE Firms, Regulators (FDIC & OCC) and board members to obtain capital and regulatory approval.

Responsible for the overall credit culture, credit policy, credit administration, and credit quality of the Bank’s loan portfolio. Org includes 270+ employees in credit administration, loan underwriting, SBA Lending Division, loan documentation, loan coordinators, loan review, resolution management (Special Assets), appraisal management, construction management, and portfolio analysis functions. Formulate strategies and business plans to achieve the Company’s long-range objectives. Develops, updates, implements, executes, and oversees the Credit policy, the Bank’s risk appetite, and ensures an effective risk rating system/process. Additional responsibilities include oversight of all credit analyses and credit support functions, the detection of any deterioration of loan quality, and the loan portfolio concentration. Voting member, Credit Committee of the Board of Directors. • Credit approval limit is the highest possible authority level at the bank.• Oversee the SBA group both from a production (Fee/Income, Originations of $350MM/YR) and back-office side.• Lead the Due Diligence and Integration of M&A activities as it relates to the credit/lending side of the Bank. This contribution has aided in the bank growing from $3B in 2013 to approximately $13B.• Created Wholesale loan strategy which originated $85MM+ per year in loan volume in 2019/2020 and $100MM in 1H2021.• Robust regulator relations with the FDIC and the Missouri Division of Finance (primary state regulator).• Tasked with supervising Credit Administration including Loan Policy, CECL, Portfolio Monitoring, Board Reporting, Credit Portfolio Reporting, and Problem Credit Monitoring.• Project Sponsor for the commercial loan origination system replacement(Ncino).• Revamped the consumer lending and small business platforms based on risk-based scoring, allowing the bank to go from manual underwriting to auto-decisioning.• Revamped stress-testing procedures, saving 3,200 person hours.

Hired to revive the Internal Loan Review, Stress Testing, and Portfolio Analytics departments for the bank.• Reported directly to the Board of Directors, assisted in setting board’s Credit Risk Appetite Statement.• Revised the board’s credit committee reports, cutting production time from 1 month to 2 days, while giving the reader more useful information.• Within four months had the department fully staffed and functional, implemented all new methods.• Responsible for maintaining the bank’s lending policy, guidelines, and procedures.• Member of Problem Credit, Business Alignment, and Operational Risk Committees.

Vice President - Credit Officer August 2011 - September 2013Promoted to Credit Officer for the Retail/Consumer divisions, Specialty Consumer Lending (Marine, RV, and Aircraft), Indirect Auto, Mortgage, and Business Banking divisions of the bank with over $600 Million in loans.• Loan Approval Authority of $7.5MM .• Assisted and supported the lending staff with matters of credit policy, guidelines and procedures.• Monitored the quality of the loan portfolio.• Lead team of five for 30+ onsite due diligences for both open bank and FDIC transactions. Transitioned/trained seven failed bank credit/lending departments into bank.• Member of the ALLL Committee and the Problem Loan Committee.

Manager of two departments (Loan Review and Loan Administration).• Grew departments from zero to six employees. Created all new processes and procedures.• Managed the internal and external loan review process.• Member of the Problem Loan Committee; provided direction/approved actions for the special assets officers to take on troubled loans.• Managed the credit analytics department, creating reports for the Board of Directors.• Monitored and managed the ALLL and charge-off process.

Contractor for the FDIC to help with the liquidation of Specialty Finance Group, a Silverton Bank subsidiary. Led team managing $600MM Hotel portfolio. Worked with the bank staff to locate, identify, review and compile reports on the $45.6MM unfunded commitments relating to the loan portfolio.

New Millennium Banking Solutions was a consulting firm formed by the new leadership of Integrity Bank after its failure. The purpose of the firm was to work with state and federal regulators to assist troubled banks. Provided consulting services to banks in the southeast to assist with all areas of Credit Administration. This included, but was not limited to, reviewing and writing credit policies, performing loan reviews, analyzing the allowance for loan and lease losses and analyzing the problem loan management practices of the bank.

Recruited by the Chief Credit Officer to be part of the newly established senior management team to help restore troubled bank to a sound and profitable condition.• Implemented and conducted internal loan review program on $1,000MM+ portfolio.• Assessed the compliance of loans with the institution's written policies and regarding regulatory and lending-related laws and regulations.• Retained as contract employee by the FDIC as Loan Workout Specialist to assist in the liquidation of assets of Integrity Bank.

• Moved to the Atlanta, GA area for family reasons.• Responsible for identifying, developing, and managing commercial banking relationships from start to finish, including all underwriting, analysis, and monitoring of credit. Provided portfolio management assistance to the Executive Vice President.• Primary CRA Officer and IT Administrator. Prepared and analyzed monthly Directors Board reports.

Established and maintained a strong clientele base. Served as a key player in decisions relating to NSF checks and community donations. Select Accomplishments and Responsibilities:• Exceeded 2005 Loan Origination goals by 350%, originated, underwrote, and closed commercial loans ranging from $20M to the banks internal lending limit of $1,615M.• Presented loan credits up to $1,615M to Executive Loan Committee for approval.• Brought participation contact promising $10-$15MM per year.• Responsible for tracking bank’s special assets, participations, and SBA loans.

Promoted to Associate Commercial Relationship Manager. Responsible for identifying, developing and managing commercial banking relationships. Completed formal Commercial Banker Trainee Program, which included analyzing complex financial information and loan requests, Omega Credit Skills curriculum, Business-to-Business Sales and Negotiation Skills program, and conducting sales calls. Select Accomplishments and Responsibilities:• Underwrote credits from $50M to $9MM. Participated in credit reviews up to $20MM.• Prepared relationship approval presentations on new and existing credits.• Qualified and pursued approximately 150 candidate companies whose sales exceeded $5MM. • Pinpointed over $10MM in new loan opportunities through networking, D&B and Sales Genie.• Responsible for the tracking of loan covenants and top customers in Iowa.

Internship with real estate, commercial lending, and retail banking exposure.