Roland I. C. Email & Phone Number

Oklahoma City, Oklahoma Area

1. Responsible for the complete underwriting of complex new requests and servicing actions, such as renewals, annual reviews, partial releases, and covenant monitoring for relationship exposures up to and exceeding $30mln, while also serving as a coach and/or mentor to other Financial Analysts & Interns. 2. In 2016, served as a test user for company wide onboarding tool for Financial Analysts that remains in use to-date. Main duties included testing case studies, ensuring overall flow of the tool made sense, and measuring effectiveness in preparing a new employee to accomplish their daily work. 3. In 2018, served on company-wide analyst intern onboarding committee to help establish effective use of company software, key topics of learning, and skills needed to transition into an analyst role. 4. In 2018, nominated by peers and selected by “Celebrate Success” committee as the 2019, Extra Mile of the Year Award recipient. 5. In 2018, selected by the Mid-Plains Regional Management Team for the Customer TeamOf the Year Award. 6. In 2020, organized with two colleagues, two virtual step challenges to raise money for Feeding America while virtually engaging employees in a Work From Home environment. Combined, we raised nearly $10,000 and logged over 6 million steps. 7. In 2020, I was selected from a pool of 70 applicants to fill 1 of 26 open Rabobank North America Regional Cultural Ambassador roles.

Oklahoma City, Oklahoma

1. Primarily responsible for the development and communication of loan policies and procedures, as well as overall responsibility for the company's loan portfolio. 2. Provides advice/guidance to lending staff, including training, in all lending activities to ensure compliance to internal lending philosophy and policies, as well as external regulatory requirements. 3. Manage corresponding lending communication.

Oklahoma City, Oklahoma Area

Lubbock, Tx

1. Performs credit administration, financial analysis, monitoring and due diligence review of various financial packages and loan originations.2. Analyzes financial information including balance sheets, income statements, cash flow and tax returns to form an opinion of the strengths, weaknesses and risks associated with loan packages. 3. Determines probability of Default (PD) ratings as appropriate and makes recommendations for approval or denial of loans. 4. Ensures that all assigned loans are properly risk rated, assigned loss given defaults are correct and performance status assignments are proper. 5. Complies with proper credit administration practices as outlined in the association’s policies and procedures6. Acts upon association prior approval loans and loan servicing actions within personal delegated authority and prepares recommendations for loan committee on loans exceeding such delegated authority. 7. Interprets, communicates, and provides guidance to loan officers regarding association lending policies and procedures. 8. Interprets and acts upon various legal, title and other questions which may arise on loans.

Amarillo/Pampa/Floydada, Tx

1. Responsible for the financial analysis, monitoring, and due dilligence review of larger commercial, oil & gas, and agricultural related loan packages which often included same analysis of individual guarantors.2. Performed collateral inspections, appraisal reviews, and market evaluations of Single Family Residences and Commercial Real Estate (including Agricultural Farmland).3. Met with customers/prospects in order to develop & monitor consumer, commercial & agricultural loan relationships in the Pampa & Floydada, Texas markets.4. Provided credit counseling and determined whether to approve or deny credit requests.5. Oversaw preparation of loan documents and completed loan closings and credit files.6. Handled past due loan and bad debt collections which included contacting customers by phone and/or email, working out payment schedules, contracting collection agencies, and repossessing collateral (when necessary).7. Responsible for checking eligibility and underwriting SBA loan requests for over 30 branches within the bank while managing development of SBA directive from Senior Management.

Master Of Business Administration (M.B.A.), Business/Commerce, General

Bachelor Of Business Administration (B.B.A.), Economics

Activities and Societies: Kappa Alpha Order, Student Government, Attebury Honors Program Peer Mentor, Interfraternity Council, Residence.