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, driving closing process and providing complex servicing. Work with BSO-RM to offer a full range of loan, deposit and non-credit services to existing and prospective business clients.• 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 packages are complete, accurate and thoroughly documented.• 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 Bankers and Relationship Managers.• Support complex client servicing related to loans, payment solutions, deposits and other IRM products.• Support consistent, effective communication of Client Service Unit (includes: BSO-RM, Sales and Service Officer (SSO), Portfolio Risk Officer (PRO), and Business Services Assistant (BSA)) to provide superior revenue generation, client service and risk management. Lead weekly meetings to discuss new loan requests, renewals, loan reviews, past dues, etc.

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 each credit request for approval/denial.• 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 credits with total exposure less than $250,000. • 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.• Aid in the training and development of Branch Managers to improve their commercial loan skills and structuring loan requests for various types of borrowers.• Assist the SVP of Commercial Banking in maintaining credit files with current information, including financial spreads, credit summaries, and annual reviews.

• 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 recommendation for each credit request.• 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