Robin Thomas Email & Phone Number

• Established and maintained financial reporting for the company.
• Created spreadsheets to transfer revenue streams into formatted balance sheets / income statements.
• Corresponded with CPA for monthly accounting records and bookkeeping.
• Trained new employees for daily accounting operations and controls.
• Maintained ongoing relationships with vendors for inventory control.

Houston, Texas, United States

• Served as Team Lead which included Portfolio Manager, Relationship Manager Associates and Lending Assistants.
• Reviewed and revised junior staff loan packages for new loans, syndicated loans and participated loans with average loan size of $75 million.
• Responsible for servicing assigned loan portfolio including draw requests, modifications, maintaining compliance with loan agreements, etc.
• Corresponded with borrowers and banks to ensure the client received excellent customer service and seamless loan closings.
• Detailed annual reviews to view loan performance and compliance with all financial reporting requirements.

Houston, Texas, United States

• Reviewed new / renewal requests and provided loan officer a list of all needed financials along with additional questions after the initial review is completed regarding the Borrower and Guarantors.
• Analyzed financial statements including balance sheets, income statements, cash flow statements, A/R & A/P agings and supplementary information.
• Created detailed loan packages once credit evaluation was complete. Highlighted the overall risk exposure, collateral coverage, current market data within the area and presented to loan officer and Executive Loan.
• Conducted annual loan reviews as assigned to measure the overall performance of the existing credit, ensure all compliance requirements were in good standing, spread current financials, document any significant changes.
• Collaborated with the team to discuss current processes and potential improvements to be made going forward.

• Originated, managed, and developed a commercial loan portfolio.
• Increased overall portfolio from $13MM up to $80MM.
• Worked with all levels of departments, management and staff to ensure continuity of service and performance.
• Developed and managed junior staff members on various aspects of lending and underwriting.
• Reviewed and revised credits underwritten by analysts to ensure optimal quality of loan portfolio.

• Prepared ongoing monthly Board reports including credit risk concentrations, new & renewed loans, watch list loans, net loan growth and pipeline reports.
• Lead internal loan reviews on select sample of commercial and consumer loans to measure credit quality, historical performance, material changes in borrower’s financial condition and recommendations on risk ratings.
• Reviewed denials to ensure credit requests are evaluated appropriately, adverse action notices are distributed in a timely manner and maintain supporting documentation on denied applications.
• Trained and mentored junior analysts to develop comprehensive, detailed and accurate credit presentations.
• Analyzed financial statements and supplementary information, perform a detailed evaluation of the client’s credit capacities, and present detailed packages outlining the client’s financial condition.
• Engaged real estate appraisal companies, review completed appraisals for accuracy / errors and complete real estate evaluations on collateral properties.

Houston, TX

• Managed structured finance vehicles with debt and equity liabilities including syndicated bank loans, corporate bonds, asset-backed securities and mortgage-backed securities.
• Maintained controls of cash movement through daily reconciliations, settling trades and payment distributions.
• Actively reviewed portfolio asset attributes and report results to comply with the governing indenture of the deal.
• Submitted daily, monthly and quarterly reports to collateral manager, clients and potential investors on performance.

• Originated, managed, and developed commercial loan portfolio and increase DDA business.
• Analyzed financial and related data to establish credit worthiness and reveal risk exposure.
• Created spreads of balance sheets, income statements, cash flow statements, and A/R aging utilizing MS Excel / Sageworks Analyst to determine financial soundness and strength.
• Continued to monitor credit worthiness and performance on each credit facility.
• Reviewed and revised credits underwritten by analysts to ensure optimal quality of loan portfolio.

• Performed financial analysis by evaluating financial statements of credit applicants to determine credit risks and establish credit limits.
• Prepared complete credit presentations – evaluating financial strength, adequacy of cash flow, collateral analysis, risk assessments, loan terms and pricing, and financial reporting requirements.
• Reviewed and maintained credit files assessing financial informational needs.
• Maintained adequate controls to ensure enforcement of commercial credit underwriting policies.

• Provided broad base of financial and credit services.
• Managed and reviewed monthly compliance documents.
• Conducted detailed transaction analyses.
• Completed monetary instrument sales reports.
• Monitored branch profitability reports.
• Lead and train new staff members.