Stephen Benson Email and Phone Number

Senior Credit Risk Officer responsible for the approval and ongoing monitoring of extensions of credit for: 1) Land development; 2) Residential construction loans; 3) Commercial construction lending activities ranging from apartment, condominium, shopping centers and hotels; and 4) Bank Holding Companies and Depository Institutions. •Manage credit officers located in Alabama, Florida, Georgia, North Carolina, Tennessee, and Washington. •Director of Credit Risk for hospitality subsidiary (SFG). Over $2 billion of assets under management. Portfolio consists of first mortgage, construction/mini-perm loans to top tier hotel brands by Hilton, Marriott, IHG, and Starwood.•In conjunction with Special Assets Manager, actively supervise and develop effective strategies to rehabilitate troubled credits or increase the amount of repayment ultimately collected. •Team member in Moody’s KMV development of a comprehensive set of risk rating models, financial spreading and rating system software for the bank.

•Managed commercial credit training activities for corporation.•Performed ongoing quality review of new loan approvals. Sample selected and presented to Credit Review Committee monthly. Members of committee included Chief Credit Officer, Senior Credit Officer – CRE and C&I, and Line of Business Managers. •Managed commercial training program for development and deployment of new underwriters.•Developed and administered ongoing seminar programs.•Managed the RMA Diagnostic Assessment process.•Administrator for financial statement spreading software as well as Loan Approval documents.