Robert Irons, Mba Email & Phone Number

Dallas-Fort Worth Metroplex

Performs portfolio management for the Retail Business banking segment by conducting moderate to complex credit/financial analysis and underwriting with focus on Credit Requests and Portfolio Reviews for clients with up to $5 Million in debt exposure in standard loan products, while ensuring compliance with policies, procedures and regulations and the achievement of performance and budget targets.

Dallas/Fort Worth Area

• Evaluated and managed business risks to drive growth, profitability, and performance.• Provided strategy for budget construction, forecasting, and client selection.• Collaborated with Senior Management on contract bids/negotiation and finance policy.• Performed financial trend analysis to support correlating reporting metrics• Provided Phase-In/Out Cost Models. • Used Pivot tables and VLOOKUP to manipulate large data sets to resolve cost inquiries.• Performed month-end… Show more • Evaluated and managed business risks to drive growth, profitability, and performance.• Provided strategy for budget construction, forecasting, and client selection.• Collaborated with Senior Management on contract bids/negotiation and finance policy.• Performed financial trend analysis to support correlating reporting metrics• Provided Phase-In/Out Cost Models. • Used Pivot tables and VLOOKUP to manipulate large data sets to resolve cost inquiries.• Performed month-end close to track actual vs budget cost. Show less

Dallas/Fort Worth Area

Senior officer with approval authority of loans for borrowers with up to $20MM in annual revenue; evaluated credit applications and made decisions to approved or declined loan requests, or approve requests subject to specified conditions. Diligently underwrote new loan requests and maturing loans in an extremely fast paced environment. Independently analyzed and evaluated the risk of adding a particular transaction to the bank's loan portfolio. Performed trend financial analysis of internal… Show more Senior officer with approval authority of loans for borrowers with up to $20MM in annual revenue; evaluated credit applications and made decisions to approved or declined loan requests, or approve requests subject to specified conditions. Diligently underwrote new loan requests and maturing loans in an extremely fast paced environment. Independently analyzed and evaluated the risk of adding a particular transaction to the bank's loan portfolio. Performed trend financial analysis of internal F/S, tax returns, and CPA audited/reviewed F/S to assess risk for liquidity, profitability, leverage, EBITDA cash flow and activity ratiosIdentified additional information requirements needed to properly assess risks of the transaction. Considered alternative credit structures to mitigate risk where appropriate, including SBA structures. Either approve the request as presented, decline it, or approve it subject to conditions. Collaborated with other business units to identify key risks and information requirements. Ensures that credit facilities presented for approval are properly graded. Meet with customers/prospects of the bank where the industry or credit structure is unusual or unique. Produced Microsoft Excel financial model reports to support concluding resolutions. Frequently managed rush requests for competitive purposes and client satisfaction resulting in a 98% approval rating from 42 lenders in an 8-state market region. Show less

Plano, Tx

• Performed in a credit management capacity with a minimum of $500,000 in loan approval authority, while executing daily pipeline review maintenance on a 41-customer portfolio with lending exposure totaling over $150 million. • Underwrote credit transactions up to $5 million in lending exposure (with some larger amounts) in accordance with loan policy and portfolio performance objectives. • Connected with borrowers to negotiate approval terms, fees, and pricing. • Ranked in… Show more • Performed in a credit management capacity with a minimum of $500,000 in loan approval authority, while executing daily pipeline review maintenance on a 41-customer portfolio with lending exposure totaling over $150 million. • Underwrote credit transactions up to $5 million in lending exposure (with some larger amounts) in accordance with loan policy and portfolio performance objectives. • Connected with borrowers to negotiate approval terms, fees, and pricing. • Ranked in the top 2 of 7 Portfolio Manager IIs in completing loan renewals.• Conducted complex credit reviews for the Interim, Early Warning, or Annual basis and provided risk adverse and risk curing alternatives. • Partnered with Bankers, Credit Risk Management, and Special Assets to advise them of inherent credit risks and recommended appropriate intervention strategies to sustain and improve portfolio asset quality. • Managed Special Mention credits, including completion of quarterly Watch and –Criticized Assets Reports and presenting those reports in quarterly meeting conferences. • Facilitated credit review process from initial application to booking & loan documentation Show less

Richardson, Tx

Underwrote complex financial transactions up to $20 million (with some larger amounts), including the financing of automotive dealerships, real estate (IRE & owner-occupied), working capital, equipment and LBO/Acquisitions to support the Business Banking Division. • Performed full analysis of cash flow, collateral, liquidity and leverage to determine borrowers’/guarantors’ debt repayment ability according to lending policy guidelines. • Analyzed consumer credit bureau reports, Dunn &… Show more Underwrote complex financial transactions up to $20 million (with some larger amounts), including the financing of automotive dealerships, real estate (IRE & owner-occupied), working capital, equipment and LBO/Acquisitions to support the Business Banking Division. • Performed full analysis of cash flow, collateral, liquidity and leverage to determine borrowers’/guarantors’ debt repayment ability according to lending policy guidelines. • Analyzed consumer credit bureau reports, Dunn & Bradstreet and Experian business reports. • Structured loans with financial covenants and verify loans are documented appropriately. • Visited existing/prospective borrowers to gather key information for proper credit analysis. • Provided risk assessment recommendations to Relationship Managers and Credit Risk Managers. Show less

Jackson, Mississippi

Commercial Real Estate / Residential Construction Was the Coach and Mentor of Trustmark’s most vital underwriting division with direct guidance to 5 credit analysts. After 18 months in position, given increased responsibility including solely supporting Commercial/Residential Real Estate Lending with a loan portfolio totaling over $4 billion. Performed contract analysis for municipality funding. Was the lead Officer for constructing cash flow models, cash metrics, and stress test for budget… Show more Commercial Real Estate / Residential Construction Was the Coach and Mentor of Trustmark’s most vital underwriting division with direct guidance to 5 credit analysts. After 18 months in position, given increased responsibility including solely supporting Commercial/Residential Real Estate Lending with a loan portfolio totaling over $4 billion. Performed contract analysis for municipality funding. Was the lead Officer for constructing cash flow models, cash metrics, and stress test for budget cost overruns. Show less

Jackson, Mississippi

Consistently initiated new business for the bank by identifying customer needs for additional products and services. Conducted business development calls. Successfully sustained retention while reducing attrition through problem resolution with 100% satisfaction, when in contact with customers, either face-to-face or by telephone. Attained performance goals through selling, servicing, and cross-selling deposit accounts, investment products, loan products, transaction accounts, insurance… Show more Consistently initiated new business for the bank by identifying customer needs for additional products and services. Conducted business development calls. Successfully sustained retention while reducing attrition through problem resolution with 100% satisfaction, when in contact with customers, either face-to-face or by telephone. Attained performance goals through selling, servicing, and cross-selling deposit accounts, investment products, loan products, transaction accounts, insurance products, and by appropriately referring customers to bank specialty departments. Show less

Jackson, Mississippi

Ranked #1 of 11 credit analysts in completing 116 of 264 approved loan presentation memoranda, representing 44%. Underwrote commercial specialty lending (Road/Construction Contractors, hospitals, & nursing homes facilities) with a total loan portfolio of over $860 million. Trained and supervised credit analysts, portfolio managers, junior commercial relationship managers, and management development associates. Responsible for the workflow coordination/training of 9 Credit Analysts and 12… Show more Ranked #1 of 11 credit analysts in completing 116 of 264 approved loan presentation memoranda, representing 44%. Underwrote commercial specialty lending (Road/Construction Contractors, hospitals, & nursing homes facilities) with a total loan portfolio of over $860 million. Trained and supervised credit analysts, portfolio managers, junior commercial relationship managers, and management development associates. Responsible for the workflow coordination/training of 9 Credit Analysts and 12 Management Development Associates. Show less

Jackson, Mississippi

Developed general banking skills including loan operations, retail banking, commercial lending, and mortgage systems. Analyzed credit and financial risks of commercial credits and prepared technical reports for executive bank management.

Memphis, Tn

Served as contract negotiator and direct communicator for current and potential distribution clients. Achieved 130% of goals by obtaining and sustaining quality assurance levels of inbound/outbound logistics for 4 national retailers, while reducing distribution center shrinkage by 35%. Was the lead liaison for distribution personnel, retailer correspondents, and call center representatives in resolving daily logistic process issues effectively.

Master Of Business Administration (Mba), Business Administration And Management, General

Activities and Societies: Alpha Phi Alpha Fraternity, Inc.; Students In Free Enterprise (SIFE) - Charter Member; Investment Club - Charter.

Bachelor Of Business Administration (Bba), Marketing, Magna Cum Laude

Activities and Societies: Alpha Phi Alpha Fraternity, Inc.; Students In Free Enterprise (SIFE) - Charter Member; Investment Club - Charter.