Matt Matthews Email & Phone Number

Nashville, Tn, Us

Nashville, Tennessee, United States

Greater Nashville Area, Tn

Starkville, Ms

Continue to perform all responsibilities of Community Banking Relationship Officer with increased goals and advanced policy override authority

Starkville, Ms

• Develop portfolio of loans and deposits by calling on prospects• Calculate accrued interest, fees, and payoff amounts for loans• Determine acceptable debt loads and maximum loan amounts for businesses• Identify solutions for businesses with liquidity shortages• Compute and monitor loan covenants on an ongoing basis for portfolio of over 180 loans• Conduct variance analyses on borrower financials to identify concerning trends• Construct projections and pro forma financials for use in estimating future profitability of loan applicants• Proactively contact customers and local CPAs to obtain necessary financials/documents• Prepare comprehensive reports used by senior management to decide whether to “approve” or “decline” a loan• Prepare PowerPoint presentation “sales pitches” and binding “commitment letters” for customers • Track upcoming maturing loans (and initiate process of renewing loans in timely manner, if applicable) • Create and maintain organized electronic filing system for storage of loan agreements and financial records • Utilize Excel to calculate debt service coverage ratios, stress tests, leverage ratios, etc. • Utilize formulas to calculate profit margin, ROA, and RAROC • Counsel customers on fraud prevention and cash management best practices • Analyze pro forma financials and the underlying assumptions to assess applicants’ likelihood of achieving stated goals • Monitor relevant federal and state regulations and compliance issues • Perform ad hoc analysis as needed

Waco, Tx

· Performed advanced financial analyses on client balance sheets and income statements· Constructed debt service models and sensitivity analyses using financial statements, tax returns, and Excel formulas· Monitored bank’s largest relationships to ensure outstanding loan balances were within prescribed legal lending limits· Assessed and evaluated feasibility of loan applicants’ various business ventures· Pulled credit reports on individuals and interpreted data found on said reports· Provided data to facilitate strategic discussions among upper management regarding decisions to upgrade/downgrade loans, charge off loans, and increase loan loss provisions· Monitored adherence to internal controls and processes· Prepared all loan files for annual OCC examination· Prepared reports used to identify trends in past due loan payments to proactively identify problem loans

Starkville, Ms

• Created and managed various financial models and forecasts in Excel, including balance sheets, income statements, and cash flow statements• Implemented and managed procedures and documentation for new Brokered CD software• Advised Regional Presidents, CEO and other executives regarding cash management and investment strategies• Utilized “IF” functions and other financial formulas to generate bank-wide liquidity reports for key executives• Tabulated, organized, and prepared various data for use in annual reports and shareholder meetings• Utilized advanced skills in OnBase, BankWay, Connections, and Excel software

Master Of Business Administration (M.B.A.)

Bachelor Of Business Administration (Bba), Banking And Finance

Education record

Leadership Mississippi is an annual program of the Mississippi Economic Council conducted by the M.B. Swayze Foundation. Participants.

Banking And Finance

The ABA National Commercial Lending School offers a 360 degree immersion into commercial lending best practices. A prestigious, nationally.