Stephen Ryan Email & Phone Number

Crestview Hills, KY

• Develop, service and expand business relationships in portfolios of assigned Business Services Officer-Relationship Managers (BSO-RM). Support credit process by working opportunities through pipeline, underwriting.
• Provide support to assigned BSO-RMs through underwriting and processing of new loan requests and renewals while demonstrating a clear understanding of major technical aspects of lending and basics of credit and finance.
• Provide support of credit risk management through thorough underwriting, policy compliance and risk assessments on credit request packages to be submitted for co-approval or approved by Relationship Managers. Ensure.
• Work with City Executive, BSO-RMs and Credit Officers to develop skills in prospecting, client management, call execution, Integrated Relationship Management (IRM) and credit underwriting.
• Ensure commercial banking relationships are fully developed, including specific efforts to serve retail banking needs of clients' owners/management/employees by partnering with Wealth Management Advisors, Private.
• Support complex client servicing related to loans, payment solutions, deposits and other IRM products.

Ft. Mitchell, KY

• The Bank of Kentucky, Inc., Ft. Mitchell, KYSmall Business Underwriting Officer – Assistant Treasurer, 06/12-Present
• Analyze financial performance of borrowers in connection with new loan requests and continuous monitoring of existing borrowing customers with aggregate exposure up to $250,000 through interaction with Branch Managers.
• Perform financial analysis of historical and projected financial information, trend and ratio analysis and collateral analysis of respective borrowers.
• Prepare Credit Summary Requests on new loan/existing loan exposures in compliance with loan policy guidelines summarizing the strengths and weaknesses of each request culminating in an independent recommendation for.
• Track delinquencies and future maturities, prepare loan classification forms, prepare troubled debt restructure forms (TDR) on classified credits and attend quarterly classified asset meetings to report on classified.
• Prepare monthly reports denoting total applications received, new/renewed loans closed by branch, denials by branch and report to these items to the President/CEO, EVP’s and SVP’s of Commercial Banking/Retail Banking.

• Analyze financial performance of borrowers in connection with new loan requests and continuous monitoring of existing borrowing customers.
• Prepare Credit Summary write-ups on assigned new loan exposures in compliance with loan policy guidelines.
• Perform financial spreads of historical and projected financial information, trend and ratio analysis, collateral analysis, and summarizing the strengths and weaknesses of each request culminating in an independent.
• Assist the Credit Manager in maintaining credit files with current information, including financial spreads, credit summaries, and annual reviews.
• Aid in the training and development of new credit analysts and other department staff.

Covington

• Analytical skills to assist customers in managing and meeting financial needs
• Understanding of polices and procedures in security, operations, compliance, audit
• Comfortable selling the banks products and services
• Problem solving and effective communication with clients and employees

Crestview Hills, KY

• Flexibility and initiative to learn banking functions while moving around
• Learning the polices and procedures in security, operations, compliance, audit
• Assisting in sales calls by phone and by appointment
• Assuming management positions

Walton, KY

• Use Passport Teller software to perform banking tasks
• Problem solving and effective communication with customers
• Balancing the ATM Daily, Balancing the Vault
• Knowledgeable about products and services, quarterly referral goals met

Bachelor Of Science, Accounting

Education record