Joe Shade Email and Phone Number

I work with prospective customers on consumer, commercial (business) or commercial real estate lending needs as well other banking products. I offer a wide range of products and with being located at a community bank, I can tailor a product (s) to meet the client's needs.

As a Relationship Manager, I work with prospective customers on consumer, commercial (business) or commercial real estate lending needs as well other banking products.

December 2012 - December 2014 Commercial Officer in the Commercial Real Estate Division at The Bank of Nashville. As a Commercial Officer, I offer commercial loans for retail, office, industrial, and multi-family real estate projects for all phases of development, from land acquisition through construction and term facilities. Various banking financing options include: (1) new and rehab construction, office buildings, apartments, retail and industrial construction, among other projects. (2) term financing income properties, including office buildings, apartments, retail and industrial. (3) non-credit banking services to include cash management, treasury management (expedite cash flow and reduce payment fraud, including remote deposit, lockbox, and positive pay) and other services for developers and property managers.Current Membership:NAIOP NashvilleCCIM Middle TennesseeULI Nashville, Programming CommitteeMiddle Tennessee RMA Board, 1st President 2015Related Training:CCIM Class 101Cash Flow AnalysisCommercial Loan StructuringReal Estate Appraisal Review Credit Risk Identification Credit Analysis for Moody UsersNovember 2010 - December 2012 Commercial Lender who developed and maintained relationships with middle market commercial clients with an average revenue greater than $10 million. Provided and serviced a wide variety of commercial loans and lines of credit, both secured and unsecured. Provided commercial loans to fund acquisitions, real estate, equipment and other related company needs.

Prepared in-depth, front-end analysis of credits for the purposes of approval. This included gathering all necessary financial information, discussing credit request and financial information with customer in conjunction with underwriting, initial preparation of credit approval documents for LO review, and allocation of the credit request through the appropriate channels. Provided front-line portfolio maintenance including, but not limited to, preparation of annual credit reviews, monitoring of monthly reporting and loan covenant compliance.