Kenneth F. Mcmichael, Sr. Email and Phone Number

Manage $3.2MM - Commercial Real Estate Portfolio - Partner with Market Leadership, Regional Presidents, and Regional Credit Officers in support of Relationship Managers to promote growth and strong asset quality and to deliver a high quality FirstBank service experience. Possess a sound knowledge of credit policy and its application to credit requests. Produce independent analysis of credit requests and provide an effective challenge in loan approval and grading utilizing credit polity. Ensure source documenation and credit analysis are accurate and timely supported. Perform the analysis of key financial performance metrics for input in commercial loan risk rating matrices to ensure accurate stratification of the bank's commercial loan grading portfolio. Maintain current knowledge of industry and economic trends and regulatory impacts on borrowers that may affect the ability to repay a loan in their respective portfolio and alerting Market Leadership and Relationship Managers to those trends and potential impacts. Review pre-post closing documents for completeness and accuracy including the submission of pre-requisite credit source documentation to the bank's image system. Review and monitor reports to ensure the bank's guidelines for portfolio and credit monitoring are being met to include loan commitments, past due loans, maturing loans, renewals, modifications, and new to bank, etc.

Managed a $150MM - Commercial Real Estate and Commercial & Industrial Portfolio. Partnered with Market Leadership, Regional Presidents and Regional Credit Officers in support of Relationship Managers to promote growth and strong asset quality Collaborated with multiple Relationship Managers to complete credit memos (new to bank and renewals) providing accurate historical and risk mitigation strategies supported by credit policy and regulatory guidelines. Identified and communicated cross-sell opportunities discovered during the underwriting process. Performed independent/joint analysis of key financial metrics for input in commercial loan risk rating matrices to ensure accurate stratification of the bank's commercial loan grading portfolio. Reviewed documents for pre/post closing including the submission of pre-requisite and recurring credit source documentation to the bank's imaging system. Ensured sourced documentation and credit analysis were accurate and timely supported.

Completed credit memos (new to bank/renewals), on-going loan quality and covenant monitoring, collateral/probability of default grades, and required legal documentation and loan agreements for 3 - Portfolio Managers across Middle Tennessee footprints. Identified and communicated cross-sell opportunities discovered during the underwriting process. Responsible for historical and projected financial statement/cash flow analysis. Provided creditworthiness and structural recommendations to portfolio managers supported by credit policy.

Managed chassis, pool bailment, and daily rental portfolio encompassing 35 operations across North America totaling $200MM in receivables. Identified risk, growth opportunities and under performance in conjunction with sales, legal partners, and service level agreements, through financial-trend level analysis utilizing internal mitigation reporting tools.Implemented financial statement receipt log and dashboard/watch report procedural updates in collaboration with Wholesale Center of Excellence Team, streamlining departmental employee work processes.Developed and maintained monthly pool bailment over-line/aged reporting tools, identifying trend-levels aiding in development of more timely risk mitigation strategies.Received Global Diversity and Inclusion Summit Award Nomination for achievements in building diverse and inclusive culture.

Managed wholesale and loan processing activities for 125 dealerships within Houston and Kansas City Regions. Supervised teams on wholesale direct/transfer floorings, incentive rebate issuance, dealer cash management, cash disbursements, and third party lender wholesale takeover/takeout processes leveraged by procedural compliance, targeted wholesale processing objectives, and customer satisfaction index goals. Managed assigned portion of Six Sigma Black Belt Project - Dealer Proceeds Withheld Walkaway, contributing to total estimated cost savings of $255M.

Managed wholesale and loan portfolios encompassing 55 dealerships within Atlanta and Memphis Regions totaling $125MM in receivables. Identified risk, growth opportunities and under performance in conjunction with sales and legal partners, through financial-trend level analysis utilizing internal mitigation reporting tools.Created Leadership Development Employee Profile PowerPoint presentation and coordinated/conducted departmental presentations, educating employees how to prepare internal resumes for future job postings. Standardized presentation into electronic Knowledge Burst tutorial in collaboration with Learning and Development Team, empowering/educating employees across North America Business Centers. Received Ford-Employee African-Ancestry Network Member of the Year Award for coordinating/conducting various workshops, benefiting Nashville Business Center employees.Received Global Diversity and Inclusion Summit Award Nomination for achievements in building diverse and inclusive culture.

Managed retail and lease customer application approval processes leveraged by procedural compliance, targeted purchase policy objectives, and customer satisfaction index goals. Sold benefit of company's value proposition to dealers maintaining consistent purchase policy based on portfolio support, liquidation experience, and rate concession budgets.

Lead teams charged with successful delinquent account (> 45 days) inside collection resolutions leveraged by procedural compliance, targeted collection policy objectives, and customer satisfaction index goals. Managed team that ranked 1st in Gross Credit Loss Budget Performance - 2003 ($2.1MM or 85%) - 2002 ($1.7MM or 80%)Created Employee Satisfaction PowerPoint presentation and coordinated/conducted departmental presentations, educating employees on impact of various questions in questionnaire leading to improved team leader/manager assessment scores. Average scores improved from low to mid-70’s to upper 80’s or lower 90’s.

Directed teams charged with effective delinquent account (< 45 days) inside collection resolutions leveraged by procedural compliance, targeted collection policy objectives, and customer satisfaction index goals. Managed team that ranked 1st in Account Clearance Percentage - 2001 (92%) - 2000 (94%)Received Young Black Achievers Award Nomination for coordinating/conducting various workshops, benefiting Nashville Business Center employees and works related to Mercy Children’s Clinic and YW Domestic Violence Center.