Jon Flickinger Email & Phone Number

Fresno, Ca, Us

Analyze complex financial information of existing and prospective business loan customers including balance sheets, income statements, accounts receivable agings, accounts payable agings, work in process reports and projections. Prepare detailed memorandum recommending approval to credit administration. Perform regular reports on problem loan portfolio, loan covenant violations and required financial reporting requirements by customers. Make client/prospect visits to either maintain or solicit new business.

Utrecht, Utrecht, Nl

Analyze complex financial information of business loan customers in special asset portfolio including balance sheets, income statements, accounts receivable agings, accounts payable agings and projections. Determine best course of action to either rehabilitate loan or liquidate assets to repay customer's debt obligations to bank. Prepare detailed report describing recommended course of action and submit for approval.

Solicit new business banking relationships primarily by attracting new loans & deposits. Determine viability of prospective loan applicants & produce credit approval write-ups for presentation to loan committee or area manager. Approve or decline loans within my authority. Loans include SBA, commercial construction, commercial real estate, working capital lines of credit and equipment loans. Assist in the management of the branch loan portfolio including processing loan renewals, payment collections & loan workouts.

Solicit, analyze & submit for approval to committee all varieties of commercial loans including construction and permanent real estate, income property, working capital lines of credit, equipment and general purpose loans. Approve or decline loans within my authority. Also familiar with SBA, USDA and CEDLI loan programs. Supervise & oversee consumer loan operations, including underwriting, and entire loan operations when senior credit officer is out of the office. Assist senior credit officer in any administrative functions of loan department. Manage loan collections & workouts in all areas. Prepare documents on loans I have received approval. Also experienced in aircraft lending as well.

Analyze and review financial information on business clients and prospects with sales between $10-250 million.Approve foreign and domestic wire transfer requests up to $1 million. Run credit reports on business clients/prospects, make recommendations on appropriate course of action regarding client/prospect, review loan documents and terms, perform credit approval writeups as requested, attend occasional meetings with clients/prospects and provide general assistance to clients with relationship officer. Service loan portfolio for tickler items, verify client’s compliance with loan covenants and make appropriate course of action. Prepare regular monthly and bi-monthly reports.

Analyzed balance sheets, income statements, cash flow, credit reports, accounts receivable, accounts payable, and personal financial information of the individual owners. Established loan files including ordering appraisals, title reports, asset and income verifications. Prepared weekly and monthly reports as required by management, serviced loan portfolio for required financial information, followed for delinquent payments and prepared demand letters as directed by loan officers. Performed credit writeups as directed by Credit Administration, completed special assignments and projects as directed by management.

Developed and updated monthly computerized production reports on a weekly basis utilizing internal paperwork. These reports were generated to calculate royalties and other statistical information. Produced monthly rig revenue accrual and rig hour reports used for the chief financial officer’s reference while reviewing profit and loss statements and to ensure production standards were met. Prepared 401K income and profit sharing reports. Broke income report down by description, dollar amount and category. Ensured accuracy and thoroughness of each project for dependable data and audit reports for any discrepancies against the information provided from the 401K administrator.

Reviewed & decisioned an average of 25 loan requests per day which required determining the business client’s needs, risk temperament, loan amount and occasionally loan negotiations. Worked in conjunction with the loan team leader when amounts exceeded my lending limits and when loans were in jeopardy of being declined to determine if the bank would accept the deal. Primarily provided final decisions on loan requests to branch officers, however, dealt with clients in one-on-one situations whenever necessary. Assisted branch representatives in understanding the lending process and how to pre-qualify their prospective clients to ultimately improve their productivity.

Bachelor Of Business Administration (Bba), Managerial & Investments Finance

Associate Of Arts (A.A.), Business Administration

Education record