Jonathan Arnold Email & Phone Number

Similar duties to those of Portfolio Manager with the addition of some enterprise risk management. Including, but not limited to; capital adequacy stress testing, ORE/Repo work outs, unfunded commitment forecasting, seasonal RLOC draw analyses, industry concentration analyses. Compilation of senior management reports, spreadsheets, and enterprise analysis.

-Responsible for the ongoing Loan Loss Reserve provision and maintenance including asset management on the commercial and consumer loan portfolios. Preparation for CECL Implemenation-Conduct regular loan monitoring reviews to ensure overall asset quality, including performance against original underwriting, in-house evaluations, appraisal reviews, site inspections, management/ownership evaluations, and customer financial data review to gauge borrower and bank exposure-Document and report on the overall portfolio assessing asset quality, stress testing, industry and market analysis, asset allocation, reserves and non-performing loan analysis-Enforce adherence to loan policy and tracks, identifies, and makes recommendations on both Loan File and Financial Documentation Technical Exceptions through the credit review and new loan review process-Manage all aspects of credit administration and portfolio management departments and reports to the Board of Directors to ensure compliance with FDIC and DOF regulations in all areas related to the loan portfolio-Supervise the Credit Analyst position, providing steady workflow and training while overseeing and supporting the developmental growth of the Credit Analyst’s abilities

-Analyze credit data and financial statements to determine degree of risk involved in extending credit and communicate bank’s potential exposure and profitability margins to officers and directors-Manage Loan Loss Reserve and ensure all loan transactions occur within applicable policy-Prepare detailed customer analyses and reviews of financial positions, asset quality, and portfolio management in excess of $100 million annually-Underwrite all commercial loan applications, evaluate customer records, and gather economic trend information and customer data for analyzing, ensuring accuracy, and adherence to policy-Inspect businesses, interview management/ownership, and review customer financial data with the customer-Compare liquidity, profitability, and credit histories of commercial entities and individuals being evaluated with those of similar establishments in the same industries and geographic locations

-Served as mediator, authority figure, and friend to the upperclassman dorm of 120 residents-Encouraged and mentored peers through the struggles of academic and personal life-Strategized dorm events with co-RA’s from concept to final product-Achieved highest ratings on resident evaluations every semester

-Tracked sales trends and conversion percentages to meet daily, weekly, and monthly goals set by Corporate-Tracked personal key performance indicators (KPI) to exceed store goals-Third highest grossing producer for the store throughout employment-Tailored each sale to create maximum profit for the company while also satisfying customer needs

Master Of Business Administration - Mba, Organizational Behavior Studies, 4.0 Cumulative Gpa

Bachelor Of Arts - Ba, Business Administration And Management, General, 3.8 Cumulative Gpa

Activities and Societies: Sigma Beta Delta