Mallory Russell Email & Phone Number

United States

Greenville, South Carolina, Us

- Lead a team of SBA portfolio manager loan officers, overseeing the quality, accuracy, and timeliness of credit risk assessments, annual reviews, and servicing actions, and ensuring compliance with SBA guidelines, federal regulations, and internal bank policies.- Provide guidance and mentorship to team members on a variety of complex servicing actions, promoting teamwork and problem-solving.- Develop and implement process improvements to streamline servicing workflows, resulting in increased efficiency and faster turnaround times for borrower requests.- Serve as a key point of contact for cross-functional teams, including credit, risk, and compliance departments, facilitating clear communication and alignment of goals across the SBA portfolio.- Support team members in identifying and managing portfolio risks, advising on strategies for mitigating emerging risks and maintaining the overall health of a $800MM portfolio.- Conduct regular reviews and feedback sessions with team members to maintain high performance standards and support their professional growth, while focusing on portfolio quality.- Mentor and guide portfolio managers in credit analysis processes, fostering a culture of continuous learning and skill enhancement within the team.- Lead training sessions for portfolio managers on credit risk management best practices and loan review techniques.- Monitor economic and industry trends to anticipate impacts on portfolio performance, advising team members and management on strategic adjustments.

Greenville, South Carolina, Us

- Managed a $150MM portfolio of nearly 200 SBA borrowers across a nationwide footprint. Built and maintained strong relationships with clients and stakeholders, ensuring exceptional service and proactive communication regarding loan terms and conditions.- Conducted in-depth analysis of financial and credit data to assess appropriate risk rating in conjunction with servicing requests, annual reviews, and yearly financial monitoring.- Evaluated servicing action requests in accordance with the SBA Standard Operating Procedures (SOPs) and bank policy, including modifications to the collateral pool and guarantor releases and substitutions.- Acted as a trusted advisor to clients, guiding them through loan-related processes and providing insights on credit structures.- Actively managed portfolio risk by monitoring key segments in response to regional and national economic trends, engaging with borrowers and evaluating changes in risk profile.- Conducted thorough loan file reviews and risk assessments.- Monitored payment performance and manage past due accounts.- Mentored, guided, and served as a resource for team members in credit analysis and portfolio management.

Greenville, South Carolina, Us

- Led internal audit projects, focusing on the areas of credit risk management, lending operations, and specialized lending functions including SBA and mortgage production to assess the design and adequacy of internal controls and the effectiveness and efficiency of key processes.- Provided expert analysis and recommendations on credit risk strategies, influencing the audit approach.- Directed and supervising assigned staff auditors during audit projects.- Represent the internal audit department in an advisory capacity to assist line of business management in the assessment of internal controls, procedures, and systems.- Performed risk analysis, identify internal controls, and design and execute audit tests of controls and transactions.- Recommended, developed and implemented internal audit department policies and procedures.

Greenville, Sc, Us

- Developed a portfolio-wide internal loan review system to ensure appropriate risk identification and risk grading, including annual large relationship reviews, quarterly segment-specific reviews, and special targeted reviews.- Tasked with creating and updating monthly and quarterly segmentation analyses for the loan portfolio as a whole as well as individual pool analysis and stress testing based on various risk factors.- Analyzed portfolio-wide trends on a periodic basis, including originations, paid out loans, and market-specific pricing trends to enable executive management to react to the changing portfolio in real time.- Created a problem asset management and tracking system, including resolution and workout planning, asset quality review, and periodic reporting and action plans.- Developed an enhanced loan coding system to enable more granular segmentation of the loan portfolio as well as the improved tracking of underwriting and policy exceptions.- Supported the bank’s efforts to incorporate CECL guidelines into the ALLL methodology with enhanced loan coding along with the identification and implementation of data point collection.- Tasked with creating and updating monthly and quarterly credit packages and special reports for presentation to executive management and the board.- Managed key aspects of loan portfolio projects, from planning to completion, ensuring adherence to deadlines and quality standards.- Regularly presented analysis findings and credit recommendations to senior leadership, driving informed decision-making.- Led other large-scale departmental projects on behalf of the credit department necessary for the achievement of the bank’s strategic goals.

Greenville, Sc, Us

- Reported the results of financial and credit analysis in a narrative format, focusing on the most pertinent facts, key risks, and risk mitigants that related to the relationship and loan request.- Developed a recommendation for approval or denial of loan requests as presented or contingent approval with proposed modifications and communicating that recommendation clearly within the narrative document to inform the approval authority’s decision.- Negotiated credit terms and successfully influenced credit decisions internally and externally at senior levels.- Spread financial information collected from a wide variety of sources into a uniform format via spreading software and internal workbooks for standardization and multi-period comparison.- Calculated borrower, guarantor, and global cash flow and debt service coverage, making reasonable adjustments and assumptions as necessary based on expert judgment to ensure uniformity and accurate representation of financial condition, repayment capacity of personal and contingent debts, and support available for further extensions of credit.- Analyzed cash flow and operational trends, comparing to peers and industry averages and performance ratios as appropriate, including both horizontal and vertical analysis.- Assessed the need for financial and performance covenants on new and existing relationships, and performing periodic testing of covenants to ensure ongoing compliance.- Performed periodic loan reviews to reaffirm risk grading and provide an update on relationships that exhibit some weakness with cash flow, collateral, payment performance, or other risk factors. - Attended customer meetings and participated in customer calls with lending staff.- Obtained information and explanations from customers including principals, CFOs, and other employees as well as related third parties including CPAs, legal representatives, and others as appropriate.

Toronto, Ontario, Ca

- Performed detailed credit analysis on businesses and personal guarantors for SBA 7(a) and 504 commercial loans and lines of credit for a variety of purposes, including construction, business acquisition, expansion, and working capital, among others.- Accumulated information from a wide variety of internal and external sources, analyzing financial trends and various risk factors and preparing detailed credit memos and loan packages for consideration by approval authorities.- Adhered to internal loan and credit policies and the SBA's SOP in all aspects of credit underwriting.- Assessed borrower and facility risk, considering a variety of performance metrics and other indicators.- Completed borrower interviews to investigate financial performance and credit request details, including analysis of assumptions used in projections.- Presented loan packages for approval to senior leadership.

Alpharetta, Georgia, Us

- Combination new business and portfolio management lender, originating a wide variety of commercial and consumer credit facilities.- Provided exceptional client service by identifying and addressing client needs with a demonstrated ability to develop and maintain client relationships.- Negotiated credit terms, completed underwriting including financial spreads, and prepared and presented credit approval packages.- Monitored and collected past due accounts.- Prepared and implemented workout and improvement strategies for credits with demonstrated weaknesses.- Served as an active member of ALCO.

Franklin, North Carolina, Us

- Responsible for commercial and consumer credit analysis, internal loan reviews, and significant relationship annual reviews.- Responsible for third party appraisal reviews and internal evaluation review and validation, including the development of policies and procedures related to real estate valuation.- Ongoing monitoring of portfolio quality, including loan-level credit quality migration analysis and potential loss projections, credit concentrations, and criticized/classified assets.- Established the bank's special assets monitoring and reporting program, including the creation of policies and procedures relating to workout plans and quarterly updates for all criticized assets as well as individual workout plans and board-level reporting and trend analysis.- Developed, implemented, and actively participated in the bank's internal loan review program alongside the chief credit officer, including the creation of the program's policies and procedures.- Invented and automated multiple dashboards for the Board of Directors and regulatory agencies that contained a rolling 12-month history of more than 175 key CAMELS indicators across all areas of bank operations.- Automated preparation of the monthly credit department board reports, eliminating the need for 20 manually-updated spreadsheets.- Created and managed reports for ongoing analysis and of bank’s loan portfolio quality, including loan-level credit quality analysis.- Prepared and implemented the credit department strategic plan.- Developed and presented credit and compliance training programs for loan officers and members of the Directors Loan Committee.- Developed policies, procedures, forms, and templates to ensure lending and loan operations departments maintained compliance and operated efficiently.

Franklin, North Carolina, Us

- Top contributor to the development of the bank's vendor/third party risk management and enterprise risk management programs.- Researched and presented analyses of potential new products and third party vendors, including due diligence.- Played a key role in enforcement action remediation by creating reports, performing analyses, and coordinating efforts across all departments to document and monitor ongoing compliance with regulatory order provisions.- Responsible for all advertising design, copy, and placement. - Developed and presented the marketing strategic plan.- Drafted official corporate correspondence to shareholders, regulatory agencies including the FDIC and NC Commissioner of Banks, and the public.- Designed and composed quarterly and annual financial reports, marketing collateral, and brochures.

Managed new home sales for two communities in the greater Savannah, GA area, selling new home construction packages as well as pre-built spec homes. Broke company record for the most sales in a one-month period in January 2008.

Created marketing materials, developed special promotions, maintained inventory database, established point-of-sale program, managed relationships with more than one dozen vendors, and provided excellent customer service.

North Carolina Bankers Association

Bachelor Of Arts (B.A.)

Education record