Nickolas Jackson Email & Phone Number

Dallas, Tx, Us

• Ensuring thorough and complete analysis of lending opportunities as well as monitoring ongoing credit risk & health of the existing portfolio, while ensuring compliance with risk appetite, credit policy, credit terms and adherence to regulatory guidance•Manage a team of 8 - 10 Underwriters and supports of one or more assigned Lines of Business (LOBs)•Ensure quality of underwriting including identification of strengths, weaknesses, and appropriate mitigation strategies for lending opportunities•Ensure appropriate application of credit policy in analysis and address escalations to Relationship Manager, Portfolio Manager and/or Credit Administration Officer (RM/PM/CAO)•Review Underwriting and Credit analysis to ensure thorough and complete underwriting prior to submission to Relationship Manager, Portfolio Manager and/or Credit Administration Officer (RM/PM/CAO)•Review simple underwriting tasks completed by Credit Specialists for completeness and underwriting quality•Identify and elevate underwriting credit concerns as soon as detected•Make recommendations on credit approval items to improve or enhance deal structure when appropriate•Participate as requested/needed in deal discussions prior to submission to Underwriting center•Efficient Credit Process Management•Assign and manage workload for Underwriting team in conjunction with Group Manager and Credit Administration Officer for prioritization•Ensure adherence to standardized credit processes and credit policy•Continuous review of procedures, processes, and credit policy with a keen focus on process improvement and efficiency•Monitor and review credit underwriting to ensure product is "Right the First Time"•Recruit, manage, develop, train, and retain underwriting staff•Ensure development of underwriting staff.•Ensure appropriate Talent Management activities and development plans are in place for staff•Achieve satisfactory or better ratings on compliance, AQR (administration) and internal audits

Dallas, Tx, Us

Dallas, Tx, Us

• Prepare RECAP documentation complex requests on Middle Market Borrower revenues up to $1B.• Ensure complete, thorough, and succinct analytical narrative and commentary in RECAP.• Assist in management responsibilities when needed (attending the assignment queue, leading weekly meetings with the Loan Groups, leading Underwriting team weekly meetings).• Train and mentor a team of up to 10 Analysts/Underwriters.• Navigate the growth and development for new employees in the Underwriting Center.• Assist in the growth and development of Credit Specialists that support our Middle Market team. • Meet monthly with Credit Support Center Managers to bridge gaps and uphold partnerships.• Partner with loan groups on structure and participate in customer/prospect calls.• Review risk ratings with approval authority up to $1MM.• Make recommendations to CAO/RM/PM on structural enhancements to mitigate risk.• Adhere to Bank’s compliance, credit policies & procedures.

Detroit, Michigan, Us

• Prepare written analysis for complex C&I and CRE loan renewals and new requests for borrower's with revenues up to $1B.• Compliance and thorough understanding of credit policies and procedures.• Assess company financial statements to identify and limit credit risks within loan portfolio.• Participate in customer calls/visits to determine borrowing needs and structuring of loans.• Partner with key officers to determine borrower's financial condition, offer guidance, and identify opportunities.• Monitor outstanding financial information and loan documentation.• Train/mentor new and less experienced analysts for growth and development opportunities. • Review work of less experienced analysts.

Columbus, Ohio, Us

• Prepare written analysis of financial condition, and future outlook, for 25+ borrowers with revenues up to $500MM. • Work directly with sales and credit personnel in generating approval documents that adhere to the Bank’s credit policies, guidelines, and regulatory requirements.• Analyze financial statements, business plans, projections, variances, break-even, and industry information to determine borrowers operating performance and risk.• Partner with key officers to discuss borrower’s financial metrics, make recommendations, and identify prospects. • Partner with Relationship Manager in structuring of commercial loan deals with total loan exposure up to $50MM. • Monitor receipt of financial reporting requirements, and test covenant compliance in a timely manner. • Maintain accurate loan and borrower information on various systems of record. • Efficiently manage daily portfolio workflow for a group of 4 junior level analysts. • Contribute to the onboarding and training of new employees/analysts.

Charlotte, Nc, Us

Six month rotations in each of the following departments: Middle Market, Business Banking, Special Assets, and HIG (Healthcare, Institutions, and Government)• Prepare written analysis for complex renewals and amendments on 30+ borrowers with revenues up to $2B. • Prepare Financial Analysis Summary reports (FAS) and Annual Exposure Review reports (AER), with approval authority on relationships rated 5 or better. • Prepare risk rating scorecard and determine borrower’s operational performance and risk. • Partner with client team in structuring of commercial loan deals with aggregate exposure of $200M - $500MM. • Monitor borrowers operating performance and proactively identify issues and opportunities. • Review borrowing base certificates and update systems of record to ensure appropriate collateral coverage. • Evaluate borrowers covenant compliance certificate for accuracy and conformity to loan agreement terms.

• Safely operate wide range of heavy machinery and packaging equipment. • Set production molds into 1000 ton, 950 ton, 725 ton, and 250 ton machines. • Keep equipment running smoothly with routine maintenance. • Managed weekly material, finished goods, packaging, and work in process inventory totaling $5MM. • Transport goods between receiving, storage, and shipping areas. • Pick stock during daily operational times to satisfy customer orders. • Perform local pick-up and delivery of heavy production molds.