Richard Paryl Email & Phone Number

Texas, United States

Dallas/Fort Worth Area

Manage credit risk functions to maximize company revenues while mitigating exposure to potential losses for a commercial equipment portfolio with over $500 million in net receivables. * Lead a team of credit analysts in the underwriting of commercial and industrial loan and lease transactions ranging from $250 thousand to $25 million.* Assist executive management in establishing and upholding business-specific credit risk management practices for the decisioning, monitoring, reporting and control analysis involved in extending credit and lending money.

Dallas/Fort Worth Area

Former licensed agent for one of the oldest and largest mutual life insurance companies in America selling annuities, life and long-term care insurance, and mutual funds through the company’s subsidiary NYLIFE Securities, a registered broker-dealer.* Developed and implemented personal business and marketing plans. * Analyzed client needs to present a comprehensive plan for their financial future.* Provided on-going service to clients including periodic review sessions to meet their changing financial planning needs.

Dallas/Fort Worth Area

Led two separate teams of credit analysts in the underwriting of commercial loan and lease transactions to service specific vendor private-label program portfolios. Managed existing commercial accounts, prepared portfolio risk assessments, and performed consistent reviews of transactions to mitigate risk in the portfolios.* Implemented processes that improved departmental efficiency levels, ensuring final credit decisions on transactions were consistently rendered two hours or less on 90% of the applications received.* Key contributor to the development and implementation of an automated scoring model that greatly improved credit processing efficiency and simultaneously reduced risk in the portfolio compared to vintage analysis reports.* Developed a variable risk-based pricing strategy the increased return on loan assets by 100 basis points, thereby yielding an opportunity for the company to price less risky loans more competitively.

Orlando, Florida Area

A former leading source of financing for commercial and industrial equipment, The Associates provided loans, leasing, insurance, and other financial services nationwide.* Directed all facets of regional commercial transportation finance branch operations including, staffing, budget preparation, credit administration, sales, insurance, documentation and funding for all retail and wholesale business volume.* Performed detailed credit analysis on transportation dealers and related clients. Conducted reviews of financial information, prepared detailed credit transmittals, and reviewed legal documentation in preparation for funding.* Ensured timely liquidation of branch portfolio contracts, including collections, account modifications, and if necessary, repossession of collateral by consulting with legal advisors to facilitate contract resolution and loss prevention.