Michael Mizell Email and Phone Number

Manage a team of seven credit analysts that underwrite commercial loans for Kansas, Missouri & Arkansas.Manage underwriting workflow for my team and discuss deadlines with lenders and analysts.Underwrite small and middle market commercial loans ranging from $250M - $25MM for commercial real estate and commercial & industrial for a wide range of industries.Review credit underwriting submissions by my staff for clarity, accuracy and conformity with loan policy before review by senior management.

Manage $60 million portfolio of commercial lending clients with a focus on national real estate lending.Originated about $10 million in new business while in this role.Assisted national commercial lending clients with their day-to-day needs and networked with clients for potential new businesses.Consistently managed my portfolio with proficiency, with a focus on quickly resolving critical exceptions and accurate risk ratings.

-Perform analysis and underwriting for C&I, CRE and special asset loans ranging from $250K - $50 Million.-Gained additional experience analyzing commercial real estate, working capital, asset acquisition, residential construction and non-profit credits.-Calculate global cash flow analysis of guarantor and individual borrowers.-Spread financial statements in Moody's in a uniform format.-Review appraisals for smaller special asset or O.R.E.O credits.

-Spread various quality of financial statements in a uniform format in Moody’s in compliance with commercial credit policy-Monitor and update reporting and tested covenants for multiple commercial lending offices-Test financial covenants in accordance with loan documents and notify borrower of violations-Assist with training of new analysts

-Trained entry level analyst on the fundamentals of cash flow analysis and how to evaluate different financial statements-Assist commercial loan officers with tracking of financial statement exceptions-Analyzed personal and business level financial strength of existing and potential borrowers