Ryan Thomas, Crc, Mba, Cebo Email & Phone Number

Bossier City, Louisiana, United States

• Analyze financial documents to provide recommendations to the Chief Credit Officer regarding extensions of credit for new and existing customers• Assist Chief Credit Officer in updating the bank’s policies responsible for safeguarding the bank’s risk profile • Conduct monthly loan reviews on the bank’s larger and more complex debt relationships ensuring that borrowers/guarantors were performing within loan covenants detailed in loan origination documents• Report monthly to the Chief Credit Officer any loan policy violations, which included, but not limited to, technical violations, regulatory violations, policy violations, and any additional deviations from prudent lending standards• Work with and mentor junior analysts to develop sound analytical skills necessary for a diverse and robust loan and collateral portfolio• Identifying mitigating factors for debt requests to help target strengths and weaknesses when developing risk profiles for new or existing credit relationships• Reviewing loan documents for precision and accuracy allowing for the stratification between the bank’s Credit team, Loan Processing team, and the Compliance department• Measure collateral concentrations to develop risk profiles to help Senior Management plan for contingency operations in the face of unexpected volatility

Our job requires us to find your competitors' weaknesses, scale your profits driven by industry data analytics, and target which customers will make you thrive.

Mansfield, La

*Manage the Loan Review Department that is responsible for the safety and soundness of the banks total loan portfolio*Create reports using the bank’s operating platform for data analytics to help isolate asset quality weaknesses, as well as identify drivers of competitive advantages using statistical models (e.g. liner/exponential/logarithmic regression models, ANOVA, Pearson Correlation Coefficient, etc.)*Categorize qualitative, quantitative, and macroeconomic trends to help formulate strategies for improving the bank’s Risk-Adjusted Return on Equity (RAROE) and Risk-Adjusted Return on Capital (RAROC) to grow shareholder wealth*Identify fast-growing industries to recommend for targeted loan growth to help diversify the bank’s loan portfolio and further drive Return on Invested Capital (ROIC) to maximize firm value*Responsible for presenting loan reviews, commercial and consumer underwriting, loan extension monitoring, past due performance, and loan policy adjustments to the Board of Directors*Work with SVP of Risk Management on ALLL with the use of statistical modeling developed for mining industry and economic data (both national and local) to help maintain proper reserves to meet regulatory standards and minimize impacts on ROAA and ROAE through the latest CECL model*Voting member of the Officer's Loan Approval Committee with a combined lending authority of $2,000,000*Developed a training program for future credit analysts/loan officers to properly research the financial statements of small business, oil/gas, construction, and many other commercial customers throughout various industries*Using FDIC guidance, built a risk rating cross matrix to reduce subjectivity in loan classification and introduce consistency when measuring the borrowers risk score*Led the installation team responsible for integrating a professional, web-based underwriting software to the bank's core system to optimize the loan review process and reduce processing time

Bossier City, La

*Established a centralized Cash Management Sales process that involved our Bookkeeping, Information Technology, Information Systems, and Operations departments*Oversaw policy renewals and updates regarding Remote Deposit Capture (RDC) and Automated Clearinghouse (ACH)*Developed a Corporate Account Takeover (CATO) Awareness program for our commercial customers utilizing online banking and electronic banking features*Created and issued RDC and ACH Risk-Assessment tools to help customers remain vigilant against cyber criminals*Increased the number of RDC customers from 28 to 53 and began charging fees for the first time since the bank began offering remote deposit capture*Increased the number of ACH customers from 49 to 78 and began charging fees for the first time since the bank began offering automated clearinghouse*Worked closely with our customers and our IT department for RDC installations and ongoing customer satisfaction*Worked closely with our customers and Bookkeeping department for ACH installations and ongoing customer satisfaction*Provided Cash Management support to the Business Banking department by identifying and engaging customers that would benefit from Electronic Banking and Cash Management services

Bossier City, La

* Helped establish and fully manage CNB’s first Credit Analysis Department* Responsible for teaching new credit analysts specific skills such as trend analysis, ratio analysis, borrowingcapacity and loan pricing* Lead the department team that underwrote an average of $545 million per yearloans presented to the Officer’s Loan Approval Committee* Successfully managed the Credit Analysis team in underwriting and identifying risk concentrations of the bank's sizable portfolio growth from $275 million to $545 million during the bank's acquisition of another community bank * Designed a financial tracking system to help lenders determine if financial data on file is current or outdated* Elected by Director’s Loan Committee to be Secretary to Director’s Loan Approval Committee* Elected by Officer’s Loan Committee to be Secretary to Officer’s Loan Approval Committee* Experienced in dealing with business bankers and retail bankers to help provide proper loan structure for their customers and the bank* Worked with the Marketing Director over a 10-month period to successfully redesign the CNB website* Created the CNB LinkedIn account and directed three promotional contests to generate interest in the bank

Bossier City, La

* Worked closely with the business and retail bankers to help prepare loan committee packages for approval* Went on loan calls with business bankers to gain a better knowledge of their roles* Called past due customers to arrange payments between customers and their business or retail banker* Participated with the Senior Loan Officer in repossessions, foreclosures, and bankruptcies

Bossier City, La

* Spent 15 months training with the Loan Review Officer learning how to analyze financial statements, taxreturns, real estate appraisals, and various other documents to determine a customer’s continuing ability torepay their debt* Learned the foundations of banking in the operations and bookkeeping center by running teller’s creditsand debits at the end of each day* Cashed checks, made deposits and withdrawals, and applied loan payments for customers during my tellertraining* Filled out loan worksheets for lenders that detailed which loan documents were needed for loan processing* Worked with insurance companies, keyed new loans, and checked to ensure all loan documents were signedand correct

Banking

Activities and Societies: Vice President of 2017 Class Over 15,000 executives have successfully completed the program which is held each.

Master Of Business Administration (Mba), Business Administration And Management, General, 4.0 Gpa

Activities and Societies: Sigma Iota Epsilon Management Society and Beta Gamma Sigma Professional Honor Society

Bachelor Of Science (Bs), Aerospace Studies

Minor - Air Traffic Management - Psychology - Humanities

Biology/Pre-Med

High School, 3.8

Activities and Societies: National Honor Society