Stephen Hazuka Email & Phone Number

Bryan–College Station, Texas, United States

Bryan–College Station, Texas, United States

• Managed existing relationships through credit and other bank product offerings. • Developed customer base through prospective and existing clients. • Actively involved in multiple civic and community activities, while representing the Bank.

Lubbock, Texas, United States

• Managed multiple $20MM+ relationships for upcoming reporting and financial covenants, revolving or guidance line renewals, credit line advances and borrowing base reviews, and past dues. • Assisted in the management of loan approvals, reviewed loan closing documents, and tracked loan bookings. • Prepared and reviewed written loan terms and commitment letters. • Assisted Lenders and Credit Managers on client meetings, and conducted cold calls and structured/evaluated potential loan requests.

Lubbock, Texas, United States

• Prepared comprehensive loan memorandums detailing loan requests and credit quality for loan presentations and approval. • Underwrote and risk rated commercial real estate, C&I, or Ag loans exceeding $40MM; ensuring that procedures and credit requests comply with policy. • Mentored and trained credit analysts as well as coordinated and oversaw internal group trainings.

Lubbock, Texas, United States

• Performed reviews on loan relationships up to, and in excess, of $40MM by ascertaining the credit quality through analyzing and drawing conclusions on the relationships' history, financial position, and current servicing. • Ascertained applicability of current loan grades and made recommendations for grade changes by completing scorecards.• Identified and reported potential problem credits through reviews, past due reports, and other credit department reporting measures. • Prepared Problem Asset Reports for quarterly PAR meetings, and communicated with CCO and Servicing Officers regarding potential impairments and potential credit migration to Watch, Special Mention, or Substandard (potentially non accrual). • Worked with Transition Officer in monitoring and enhancing the Bank's position on problem credits by projecting cash flows, reviewing forbearance agreements, and assisting in potential foreclosures. • Assisted and lead in various Credit Department projects including but not limited to collateral and financial exception tracking, construction portfolio reviews, indirect lending portfolio reviews, scorecard reconfiguration, bank acquisition due diligence, etc.

Phoenix, Arizona Area

Bryan–College Station, Texas, United States

Bryan–College Station, Texas, United States