Kevin Lacy Email & Phone Number

Lake Charles, La, Us

Southwest Louisiana

Manage a team of Commercial Relationship Managers calling on accounts to develop new relationships with prospective customers, retain existing business and promote additional bank services to current customers in the assigned region. Assist team members with complex account relationships. Provide guidance relating to credit policy and complex financing. Primary Focus in the C&I Sector along with clientele that expect high end service not provided elsewhere. Hire talented bankers and give them the opportunity. Cultivate and development a strong retail presence in the ever expanding SWLA footprint.

Lake Charles, Louisiana Area

Solicited new and prospective loan & deposit relationships for the Bank. Underwrote and analyzed financial statements of prospective borrowers and made recommendations to Senior Lenders/Credit Officers regarding approvals. Was responsible for loan recommendation and structuring negotiations with the borrower and internal officers. Maintained credit quality within the current and prospective loan portfolio. Fostered and developed relationships to include the cross-selling of private banking and wealth management and cash management products. Was responsible for assembling financial information and generating complete loan packages for approval presentation. Was responsible for managing risk within the loan and deposit portfolios by closely monitoring delinquencies, overdrafts, documentation and other signs of credit deterioration. Worked closely with clients to identify financial service needs and provide appropriate solutions. Was held accountable for attainment of goals set forth by management for growth in loans, deposits and fee income. Provided assistance to Team Leaders with strategic planning projects including budgeting, process improvement, growth and quality initiatives. Had significant Involvement in community organizations, networking and development of centers of influence.

Lake Charles, Louisiana Area

Contacted prospective customers in order to develop new cash management business. Met periodically with existing customers to ensure proper servicing of accounts and to expand existing business relationships. Prepared sales presentations, explained services offered, and recommended those services which would have been of value to the customer. Ensured that company officers were aware of cash management sales activities and assisted officers in promoting the cash management sales program. Assisted in designing and ensured proper installation of cash management services. Assisted department heads in developing a marketing strategy and in setting sales objectives. Assisted management in developing new services or modifying existing services.

Houma, Louisiana

Provided key support in working with the Lenders to structure new loan requests. Underwrote basic extensions, modifications and renewals with limited assistance. Presented loan requests as needed to Credit Officers/ Loan Committee. Worked directly with the Lenders to obtain all necessary financial statements and transaction information in order to analyze credit requests. Tracked Loan Agreement Compliance ensuring that relationships within their portfolio were monitored per the terms of the Loan Agreement. Monitored and worked with the Lenders to clear payment Past Dues. Prepared risk rating scorecards and related forms/reports to verify that ratings were accurately reflected and documented. Completed due diligence processes by ordering appropriate reports. Conducted company, industry and market analyses to further assess borrower’s credit quality. Monitored credit status and quality of loans on a regularly scheduled basis, including assessment of current risk ratings. Tested borrower operating performance against original underwriting and projections upon receipt of required reporting information (i.e. monthly, quarterly, semi-annual, or annual financial statements, etc.). Performed, at a minimum, annual reviews to assess borrower performance and risks associated with the loan, borrower and guarantors.

Houma, Louisiana

Worked under direct supervision of the Senior Commercial Lender and as a partner with Commercial Lenders/Business Bankers. Supported and assisted other Commercial Lenders/Business Bankers as team workload dictated. Kept the Lenders informed of current economic conditions and legislation which may have affected customer relationships and the Commercial Lending Department. Worked as a member of the customer’s Credit Deliver Team in conjunction with the Lenders and Senior Credit Analyst, etc.

Greater New Orleans Area

Detailed Training in all aspects of Banking (Trust, Retail, Commercial, Ops, etc.). Advanced Certification in Financial Statement Analysis Spreading and Analyzing of Financial Statements. Advanced Training in Ratio AnalysisComposition of Credit Packages that were presented to the Executive Committee. Worked with OCC Regulators on accurate Risk Rating Techniques. Presented Credit Packages for approval to the Executive Committee.

Bachelor Of Science (B.S.), Accounting And Finance

Activities and Societies: Intramural Softball & SoccerGraduated with a Cumulative GPA of 3.1 with a specific Concentration GPA of 3.5.

Accounting And Finance

Activities and Societies: 1L Soccer from 99-00