• Initiate, prepare and send legal packets to outside counsel to begin legal action to include replevin or foreclosure action to recover bank assets.• Oversee legal process from start to finish.• Maintain and manage legal spreadsheets of all current legal accounts with current legal status. • Coordinate, track, and drive the recovery process internally and through outside counsel in a variety of states.• Recognize details, patterns, and trends that indicate the best avenue for recovery on an account. • Maintain, review, and report data monthly and quarterly to senior management.

• Brought in to establish a Special Assets department and act as only retail special assets officer for the bank.• Work with distressed businesses and individuals to determine loan work out plans and restructure payments • Underwrite Loss Mitigation Loan Applications and recommend loans for workout scenarios and loan charge offs. • Partner with loan officers to reduce the number of criticized and classified loans. • Develop action plans for criticized and classified loans over $500,000 and coordinate plan with clients and internal team.• Led monthly Problem Asset Committee meetings with bank president and others to address difficult loans.• Responsible for collections and counseling for all criticized and classified retail loans over $100,000.

• Initiated collection action according to Loan Policy and reviewed watch list, non-accruals, OREO and charge off reports. • Recommended workout loan plans and charge offs to Special Assets Manager. • Initiated repossession action when necessary, held public or private sales for repossessions, and bid on behalf of the bank. • Assigned charged off loans/credit cards to credit management services for collection and legal counsel to obtain judgments.• Oversaw collection effort of delinquent loans; maintained an overall delinquency ratio at or below our peer group and oversaw the foreclosure process from start to finish.

• Handled customer questions, complaints, and billing inquiries with the goal of one call resolution.• Educated customer on loan type, insurance and tax obligations, and payment options.

• Reviewed and evaluated underwriting for the credit application system and verified credit quality of loan portfolio.• Advised management on trends and workflow issues and assisted team leaders with projects/tasks as assigned.

• Managed branch staff providing training, coaching, development and keys to success for the team.• Developed and maintained Small Business, Consumer, Mortgage, Trust, Investment and Commercial Banking relationships.• Managed all aspects of branch sales and operations while regularly meeting and exceeding goals set by bank management.• Promoted First Tennessee Bank through involvement in local community and civic organizations.

• Directed daily operations for the loan center, including business development, potential loan upsells, and customer service.• Specialized in consumer lending with an emphasis on real estate.• Cross-sold banking services and products to clientele and counseled clients with regard to their borrowing needs.