Ken Waller Email & Phone Number

Alpharetta, Ga

Manage a portfolio of SBA and conventional real estate accounts, handling renewals and extensions (about 2-3 renewals per month. Perform annual reviews on one-third of the bank’s portfolio - 52 in 2019 and 38 through 7/2020. Track past dues and financial statement exceptions. Manage the construction draw process for several hotel projects and a specialty hospital.Continuing Education: SBA Servicing and Liquidation course; USDA Loan Guaranty Program training; +/- NAGGL webinars on various topics in the last eighteen months.

Duluth, Ga

Managed a portfolio of sixty community banking clients totaling $29 million in loan outstandings. The portfolio consists largely of owner-occupied and investor real estate loans plus a number of C&I lending opportunities. The primary focus is portfolio management - renewals, restructures, annual reviews and extensions, as well as occasional new opportunities, downgrades/upgrades. Other duties include supporting the commercial banking group as needed in structuring and underwriting new and renewal opportunities.

Alpharetta, Ga

Atlanta, Georgia

Supported credit risk management by ensuring integrity in underwriting, policy compliance and risk assessment on credit packages > $2 million. Completed annual loan review packages and new and renewal loan reviews. Consistently met deadlines on execution of special project assignments, to include Comprehensive Capital Analysis and Review (CCAR) validation, liquid collateral verification, CRA revenues and Owner Occupied CRE, provided to senior credit management and ultimately to regulators. Met with lending team partners monthly/bimonthly to discuss policy changes, new and renewal deal flow and follow-up on post-closing/covenant compliance matters.

Alpharetta, Ga

1. I was responsible for credit quality management and administration of the (growth, timely renewals, past due and non-performing loan management). Acted as liason with NYC head office for lending and operations functions of NAB. Coached and developed lending staff and loan operations staff. 2. Managed a portfolio of forty business banking, SBA and real estate clients totaling $21million in loan commitments. Successfully guided portfolio through conversion from Fiserv platform to Aither, a Shinhan Korea platform summer 2010. Primary focus was portfolio management - renewals, restructures, extensions in the performing portfolio and watch list, downgrades and the occasional charge-off and follow collection efforts with outside counsel. Presented on average 2-3 credits per month to Shinhan America credit committee in New York via conference.

Alpharetta, Ga

Closed $3.1 million in new loans, $9 million in renewals and generated $31M in fee income during the first six months at the bank. Managed a portfolio of thirty-five commercial, SBA and real estate clients totaling $30 million in loan commitments. Successfully restructured $4.6 million in exposure formerly comprised of sixteen different loans into a single loan and four guarantors. SBNF took over the lead in this relationship. Coached several junior lenders in credit structuring, underwriting and loan presentation skills. Negotiated workout strategies with bank attorneys and clients whose businesses had ceased operations.

Directed credit process for private banking teams involving eight bankers in Duluth, Cumberland and Buckhead wealth offices. Underwrote, structured, negotiated and closed 77 loans to private banking clients and businesses they owned representing $40 million in funding during 2006. Had credit approval authority of up to $5MM liquid secured. Target clients were medical/legal practice acquisition/expansion, self-employed high net worth individuals, as well as owner-occupied and investment real estate projects. Successfully managed a wealth team loan portfolio in excess of $180 million with past dues less than .25% of total loans (goal was <1%).

Masters, Business Administration; Finance

Activities and Societies: Summer Program in International Banking & Finance, London, England

Bs, Economics

Activities and Societies: Chi Phi Fraternity, Treasurer & Vice President; AIESEC (International Assoc. of Students in Econ. & Management).