Ryan Wicker Email & Phone Number

Covington,Georgia

• Provide training and guidance to lower level group underwriters.• Coordinate underwriting activities on proposals, new cases, renewals, and amendments. • Ensure that the company can administer the client’s proposed benefit plan design and funding method. • Develop and maintain relationships with field personnel and clients by answering general questions and obtaining information on which to base decisions. • Document and communicate decisions to necessary areas in the division. • Reviews cases exceeding underwriter’s review level.• Represent underwriting/service team perspective based on personal knowledge and experience• Gather and evaluate small business financial information to determine applicant creditworthiness, ensuring loan compliance with company and regulatory requirements.

Conyers,Georgia

• Analyze customer’s financial status, credit and collateral to determine feasibility of loan request.• Perform analysis of complex business and personal financial statements. • Establish Dealer relationships by building rapport through telephone calls.• Participate in the analysis, evaluation, and underwriting of proposed credit facilities for prospects and customers. • Work with Relationship Managers and Credit Officers to assess credit opportunities, identify key risks and structure alternatives.• Prepare in-depth credit packages. • Conduct research on borrowers and industries.• Make decisions based on the best interest of the customer and bank.

Baton Rouge, Louisiana Area

• Perform in-depth analysis in partnership with Relationship Managers on potential and existing customers to determine alignment with Bank products/structure and underwriting guidelines. • Ensure new credit opportunities are managed within timelines mandated by RFP’s. • Administer assigned loans to ensure customer adherence to financial reporting, financial covenants and timely renewal of all maturities. • Manage the underwriting of credit exposure to single credit groups. • Mentor to Loan Analysts for enhancing skills of financial analysis and the impact of new credit standards. • Administer assigned loans to ensure customer adherence to financial reporting, financial covenants and timely renewal of all maturities.• Complete loan contracts, explain provisions to applicant and obtain signatures to complete request.• Attain sales goals on a monthly and annual basis.