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 Committee. • 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 to credit quality and made recommendations on risk ratings.• 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.• Performed appraisals and recommendations on new hires.• Managed customer account relationships.• Used profiling analysis tools to identify cross sell opportunities. • Performed outbound sales calls to increase product per customer ratio.